Renaud Laplanche

**Renaud Laplanche** (an haife shi a shekara ta 1970) ɗan kasuwa ne ɗan asalin ƙasar Faransa kuma babban jami'in kasuwanci . Shi ne wanda ya kafa kuma ya jagoranci kamfanin fintech, Upgrade, Inc.  Kafin ya kafa kamfanin, Laplanche ya kafa tare kuma ya yi aiki a matsayin Shugaba na Lending Club, wani kamfanin ba da rance na Amurka, tsawon shekaru goma. Kafin ya yi aiki a Lending Club, ya kuma kafa tare da jagorantar TripleHop Technologies, wanda ya ƙera manhajar MatchPoint, wadda Oracle Corporation ta saya daga baya. 

## Rayuwar farko da ilimi
An haifi Renaud Laplanche a shekarar 1970 kuma ya girma a Faransa .    Yana da sha'awar yin tukin jirgin ruwa kuma ya yi tsere a matakin ƙasa,  ya lashe gasar tseren jiragen ruwa ta Faransa a kan Lasers, 13.5&nbsp;jiragen ruwa na mutum ɗaya, ƙafa, a cikin 1988 da 1990. 

Laplanche ya yi karatun kasuwanci da shari'a. Ya sami digiri na DESS-DJCE ( JD ) bayan kammala karatunsa a fannin Haraji da Shari'ar Kamfanoni daga Jami'ar Montpellier, Montpellier, Faransa, da kuma digiri na MBA daga Makarantar Kasuwanci ta HEC da ke Paris, Faransa, da Makarantar Kasuwanci ta London .   

### Cleary Gottlieb da Hamilton
Daga 1995 zuwa 1999, Laplanche ya yi aiki a matsayin lauya mai kula da harkokin tsaro da kuma babban jami'in tsaro a ofisoshin lauyoyi na Cleary Gottlieb Steen &amp;amp; Hamilton . Da farko ya yi aiki a Paris sannan daga baya ya koma New York.    A lokacin mulkinsa, Laplanche ya gudanar da shari'o'i daban-daban da suka shafi hadewa, saye-saye, hadin gwiwa, da kuma mu'amalar saka hannun jari da suka shafi kamfanonin fasaha. 

### TripleHop Technologies
A birnin New York, Laplanche ya bar ofisoshin lauyoyi ba da daɗewa ba, kuma a shekarar 1999, ya kafa wani kamfanin software mai suna TripleHop Technologies tare da Franck Nazikian .   Kamfanin yana aiki ne daga wani ofishi da ke cikin Hasumiyar Arewa ta Cibiyar Ciniki ta Duniya ta New York, wanda aka lalata a hare-haren 11 ga Satumba .  TripleHop ta sha babban asara, ciki har da kwamfutocinta da kuma lambar software da aka ƙirƙiro kwanan nan. 

A shekara ta 2003, TripleHop ta ƙaddamar da injin binciken MatchPoint da injin bincike don abubuwan da ke cikin kamfani. Injin ya samar da wurin bincike guda ɗaya don bayanai masu tsari da marasa tsari (bayanan bayanai, imel, tsarin fayiloli da takardu, intanet), ya yi amfani da algorithms na Injin Tallafi na Vector don yin lissafi da dawo da ra'ayi bisa ga ra'ayi, da kuma tacewa tare don daidaita batutuwa masu alaƙa, ya ƙirƙiri bayanin martaba na mai amfani ga kowane mai amfani bisa ga tarihin binciken mai amfani don daidaita sakamakon tambaya ga takamaiman masu amfani, kuma ya ba da izinin bincike mai mahimmanci a cikin mahallin inda aka faɗaɗa tambayoyi ta hanyar ma'ana daga nau'ikan taƙaice na taƙaice na taƙaice na yanki.

Kamfanonin watsa labarai da yawa na Amurka ( CNN, Turner Broadcasting, AOL, *USA Today*, ABC News, Dow Jones, *[[New York Times|The New York Times]]* da sauransu) sun ɗauki MatchPoint a matsayin injin bincike da suka fi so kuma ya jawo hankalin manyan masu sayar da software.   A watan Yunin 2005, Kamfanin Oracle ya sayi TripleHop Technologies kuma an haɗa MatchPoint da sauran samfuran Oracle.   An ruwaito cewa Laplanche ya sami dala miliyan 10 daga siyan.  Ya ƙaura zuwa California kuma daga Yuni 2005 zuwa Oktoba 2006 ya yi aiki a Oracle a matsayin Shugaban Gudanar da Samfura, Fasahar Bincike, yana kula da haɗin kai da kuma kula da tallace-tallacen samfuran injin bincike.  

### Ƙungiyar Lamuni
A shekara ta 2006, Laplanche ya bar Oracle ya kafa LendingClub tare da haɗin gwiwa. Ya sami ra'ayin ƙirƙirar sabuwar kamfanin lokacin da ya fara TripleHop kuma ya gano cewa katin kiredit ɗinsa yana da ƙimar riba 18%, yayin da yake samun kashi 1.5% kawai daga banki akan takaddun shaidar ajiya mai yawa. Ya yi tunanin cewa ta hanyar haɗa masu zuba jari kai tsaye da masu karɓar bashi, zai iya cire bankunan daga lissafin kuma ya samar da ƙananan farashi ga masu karɓar bashi da ƙarin riba ga masu zuba jari.       LendingClub ya fara ƙaddamar da shi a Facebook don amfani da haɗin gwiwa tsakanin masu amfani don gwada amincin masu amfani da kuma son taimaka wa junansu da kuɗi, da kuma tattara ra'ayoyin masu amfani game da sabon sabis ɗin.  A wannan lokacin, LendingClub yana ɗaya daga cikin aikace-aikacen farko na Facebook. 

A shekarar 2010, bayan da ya sami tallafin dala miliyan 12 daga masu zuba jari a harkar kasuwanci, Laplanche ya haɓaka LendingClub zuwa cikakken kamfanin ba da rance na mutum-da-mutum .   Zuwa watan Yunin 2012, kamfanin ya tara dala miliyan 100 a matsayin jarin kasuwanci.  LendingClub ya kammala IPO ɗinsa a ranar 10 ga Disamba, 2014. Farashin hannun jari ya karu da kashi 56% a ranar farko ta ciniki. 

A ranar 9 ga Mayu, 2016, Laplanche ya yi murabus daga mukaminsa na Shugaba bayan wani bincike na cikin gida wanda ya gano cewa ya saba wa ayyukan kasuwancin kamfanin. 

### Haɓakawa
 
A watan Agusta na 2016, Laplanche tare da wasu tsoffin shugabannin Lending Club sun kafa kamfanin fintech, Upgrade, Inc.  Kamfanin yana samar da kayayyakin banki na bashi da na wayar hannu.  Upgrade ya tara sama da dala miliyan 750 a cikin jarin kasuwanci daga masu zuba jari da dama.  

A watan Nuwamba na 2021, Upgrade ya karu da kashi 83% a kimantawa a cikin watanni hudu zuwa dala biliyan 6.28 bayan tara dala miliyan 280 a zagayen samar da kudade na Series F wanda Coatue Management da DST Global suka jagoranta. 

A watan Oktoban 2025, CNBC da wasu sun ba da rahoton cewa Upgrade ta tara dala miliyan 165 a cikin sabon hannun jari wanda ya kimanta kamfanin akan dala biliyan 7.3.  Neuberger Berman ne ya jagoranci Upgrade's Series G Preferred Round, tare da halartar LuminArx Capital Management da masu hannun jari na yanzu ciki har da DST Global da Ribbit Capital . 

## Zamba

### Badakalar Club Lending Club ta 2016
A watan Mayun 2016, kwamitin LendingClub ya sanar da cewa wani bincike na cikin gida ya gano mummunan rashin da'a. Binciken ya gano cewa kamfanin ya yi karyar takardu lokacin da ya sayar da rancen dala miliyan 22 ga bankin saka hannun jari Jefferies, wanda bai yi daidai da ka'idojin mai zuba jari ba.  Lokacin da aka gano rashin jituwar, LendingClub ya yi amfani da kudaden kamfanin don sake sayen rancen, inda ya jawo asarar kudi don guje wa asarar nan take ga mai zuba jari.  

### Matsaya bayan haka da kuma ƙa'idojin gudanarwa
Bayan bitar hukumar, Laplanche ya yi murabus daga matsayin Shugaba kuma Babban Jami'in Gudanarwa a ranar 9 ga Mayu, 2016. Abubuwan da suka faru sun haifar da bincike daga Ma'aikatar Shari'a ta Amurka da Ma'aikatar Ayyukan Kuɗi ta New York .  A watan Satumba na 2018, Hukumar Tsaro da Musayar Kuɗi ta Amurka (SEC) ta tuhumi LendingClub Asset Management da tsohon shugabanta, Renaud Laplanche, da zamba saboda amfani da kuɗin asusun ba daidai ba don amfanin kamfanin iyaye, LendingClub Corporation. Don sasanta tuhumar, Laplanche ya amince ya biya tarar farar hula ta $200,000 kuma ya karɓi doka daga masana'antar tsaro, tare da izinin neman sake shiga bayan shekaru uku. Ya yanke hukunci ba tare da amincewa ko musanta sakamakon ba. 

A wani ɓangare kuma, LendingClub ya fuskanci ƙarar da aka shigar a gaban kotu daga masu hannun jari waɗanda suka yi zargin cewa kamfanin ya yi maganganun ƙarya da na ɓatarwa game da harkokin kasuwancinsa da kuma ikonsa na cikin gida. An yanke hukunci kan shari'ar kan dala miliyan 125, hukuncin da kotu ta yanke a watan Satumba na 2018. 

## Ganewa
An nada Laplanche a matsayin ɗan kasuwa na shekara a bikin bayar da kyaututtuka na BFM na 2012.  Shi ne ya lashe kyautar HEC Entrepreneur of the Year a 2002 da kuma a 2014.   kuma memba ne na Ƙungiyar Matasan Shugabannin Ƙasa . A 2013 ya sami kyautar Ernst & Young Entrepreneur of the Year a yankin Arewacin California kuma ya kasance ɗan takara na ƙarshe a ƙasa.  A watan Satumba na 2020, Finovate ya naɗa Laplanche a matsayin Babban Jami'in Fintech na Shekara. 

Binciken cikin gida ya kuma nuna cewa Laplanche ya kasa bayyana cikakken rikicin sha'awa na kashin kansa. Ya zuba jari a wani asusun waje, Cirrix Capital, a lokacin da LendingClub ke la'akari, daga baya kuma ya yi babban jari a cikin wannan asusun. 

## Rayuwa ta sirri
Tun daga watan Afrilun 2015, Laplanche da abokin aikinsa Ryan Breymaier sun riƙe rikodin gudu daga Newport, Rhode Island zuwa Bermuda cikin awanni 23, mintuna 9, da daƙiƙa 52 a matsakaicin gudun knots 27.   Tsakanin 1 ga Afrilu da 22 ga Satumba, 2015, Laplanche da ma'aikatan *Lending Club 2*, wani jirgin maxi-trimaran mai tsawon ƙafa 105, sun riƙe rikodin gudu daga Cowes zuwa Dinard a faɗin English Channel .   Tsakanin 15 ga Yuli, 2015, da 17 ga Mayu, 2017, Laplanche kuma ya riƙe rikodin Transpac tsakanin Long Beach, CA da kuma hasken Diamond Head a Oahu, Hawaii da kwanaki 3, awanni 8, da daƙiƙa 9. 

## Manazarta