gowitheflow/parallel-talks-deduplicated · Datasets at Hugging Face

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And so there is a combination of making sure you have enough data to protect somebody but also assure that your privacy is held sacrosanct, and I think that is a balancing act and one that needs to happen in order for us to do this successfully.	En definitiva, no solo debemos corroborar que tenemos datos suficientes para proteger al consumidor, sino también garantizar que su privacidad se mantenga a estricto resguardo. Ese equilibrio debe existir para que las cosas lleguen a buen puerto.	en-es
WPR: Great, and actually sort of going from digital cash to digital currency, we have another question from Simone Ross in our community about the opportunity that exists for digital currency.	WPR: Harika, aslında bir tür dijital nakitten dijital dövize geçiş, bir diğer soru ise dijital döviz için var olan fırsat ile ilgili, topluluğumuzdan Simone Ross soruyor.	en-tr
She mentioned that PayPal pulled out of Libra.	Ela mencionou que o PayPal se retirou do projeto "Libra".	en-pt-br
What would it take for a truly inclusive digital currency to take hold here?	¿Qué hace falta para que se instale una moneda digital?	en-es
I think there is a tremendous amount of promise as we think about digital currencies.	Dijital dövizleri düşündüğümüzde çok fazla miktarda vaat olduğunu düşünüyorum.	en-tr
Our pulling out of Libra had nothing to do with our firm conviction that blockchain and other forms of maybe stable coin currencies are extremely important and can be very, very helpful, especially in different parts of the world.	El habernos retirado de Libra nada tiene que ver con nuestra firme convicción de que blockchain y las otras formas de criptomonedas estables son sumamente importantes y pueden ser de gran ayuda, especialmente en algunas partes del mundo.	en-es
As we think about stability in different parts of the world where currencies can fluctuate up and down, to have a more stable currency where somebody can know, if they have that, that it's going to be worth x amount, and that they can transact, either with other individuals around the world or, importantly, at merchants around the world.	yani dövizlerin aşağı ve yukarı dalgalanma gösterdiği yerleri, birilerinin bilebileceği daha istikrarlı bir dövize sahip olmak için; eğer buna sahip olsalardı, bu x miktar değerinde olacaktı ve dünyadaki diğer bireylerle veya daha önemlisi dünyadaki diğer tüccarlar ile işlem yapabilirlerdi.	en-tr
And we are looking at all forms of digital currencies right now, working hand in hand with a number of different governments, and I think we should all think about how technology is going to evolve and how currencies will evolve as a result of that.	Şu anda birkaç farklı hükûmetle birlikte çalışan bütün dijital döviz biçimlerine bakıyoruz ve bence hepimiz teknolojinin nasıl gelişeceğini ve bunun sonucu olarak dövizlerin nasıl gelişeceğini düşünmeliyiz.	en-tr
And I think this crisis has really opened the eyes of many governments around the world as to the need for different tool sets to create stimulus and to efficiently and quickly and effectively distribute funds to their citizens.	Bu krizin, dünyadaki birçok hükûmetin gözlerini açtığını düşünüyorum, teşvik yaratmak için gereken farklı araç setleri ve vatandaşlarına yeterli, etkili ve hızlı biçimde sermaye dağıtmak açısından.	en-tr
WPR: Great. Well, I'll be back shortly with more questions, and I'd just love to remind the community that you can ask questions on the "Ask question" feature.	WPR: Harika. Pekâlâ, birazdan daha fazla soruyla döneceğim ve "Soru sor" özelliği üzerinden sorular sorabileceğinizi hatırlatmak isterim.	en-tr
Be sure to use the pull-down tab to select Episode 2, so those questions come.	Gracias.	en-es
DS: Thanks, Whitney.	DS: Gracias, Whitney.	en-es
CH: Thanks, Whitney.	CH: Gracias, Whitney.	en-es
Dan, I want to go back to something we touched on in the beginning about financial wellness.	Dan, quero voltar para algo que tocamos no começo sobre bem-estar financeiro.	en-pt-br
PayPal has done something unique in terms of calculating how much to pay people and how much you should spend on benefits.	PayPal, insanlara ne kadar ödeneceğini ve yardımlara ne kadar harcanması gerektiğini hesaplama konusunda sıra dışı bir şey yaptı.	en-tr
Traditionally, wages are set by the market, but you've found that paying as much or even more than other companies wasn't always enough.	Os salários costumam ser fixados pelo mercado, mas você descobriu que pagar igual ou mais do que outras empresas nem sempre era suficiente.	en-pt-br
Can you tell us about that moment?	Você pode nos contar sobre esse momento?	en-pt-br
So I said, kind of, in our opening, in one of my opening statements, that two-thirds of Americans struggle to make ends meet at the end of the month.	Cuando comenzó la charla, dije que dos tercios de los estadounidenses tienen dificultades para llegar a fin de mes.	en-es
They are financially stressed, and it kind of wreaks havoc in their life.	Tienen aprietos económicos, y esto les hace la vida muy difícil.	en-es
I did a study to look at PayPal employees.	PayPal çalışanlarının durumuna bakmak için bir çalışma yaptım.	en-tr
We did a research study, and I did it because I thought I was going to get back this great information that I was going to talk about at an employee meeting about how well we pay, because we pay, to your point, at or above market in every single location around the world.	Fizemos uma pesquisa, porque achei que teria uma ótima informação da qual eu falaria numa reunião de funcionários sobre como eles ganham bem, pois pagamos no valor de mercado ou acima dele em todos os locais do mundo.	en-pt-br
And what I found is, unfortunately, like the rest of the world, even though we paid at market or above market, 60 percent of our operations personnel, our entry-level employees, our hourly workers, face the same thing.	Descobri que, infelizmente, como no resto do mundo, mesmo pagando o valor de mercado ou acima dele, 60% de nosso pessoal de operações, nossos funcionários iniciantes, os que trabalham por hora, enfrentam a mesma situação: eles passam dificuldades para se manter.	en-pt-br
And that was simply unacceptable for me.	Y eso es simplemente inaceptable para mí.	en-es
I think the world is changing in terms of the responsibility of corporations, the responsibility of CEOs.	El mundo está cambiando en cuanto a la responsabilidad de las empresas, de los directores ejecutivos,	en-es
We have a lot of different stakeholders that we try to satisfy, from regulators to shareholders to customers to employees.	Temos muitas partes interessadas diferentes que tentamos satisfazer, de reguladores a acionistas, de clientes a funcionários.	en-pt-br
But I think the number one responsibility that we have is the health -- financial health -- of our employees, because nothing could be more important to a company than to have financially secure, passionate employees working for you, because nobody is going to serve customers better than employees who feel a part of something and feel financially secure and glad to be a part of that company.	Pero nuestra responsabilidad número uno es la salud financiera de nuestros empleados. Nada es más importante para una empresa que sus empleados tengan seguridad económica y pasión por su trabajo. Porque nadie atenderá mejor al cliente que un empleado con sentido de pertenencia, con seguridad económica y como parte integrante de la empresa.	en-es
And so then the real question becomes: How do you measure that?	Bu durumda esas soru şu, bunu nasıl ölçüyorsunuz?	en-tr
Because a lot of people think about living wages or a minimum wage.	Porque muchos lo hacen según el salario digno, o el salario mínimo,	en-es
And we thought that was insufficient, and we came up with a measurement we called "net disposable income," which is, basically: After you pay taxes and your basically essential living expenses, how much money do you have left over for discretionary things or to save?	Achávamos que isso era insuficiente e criamos uma medida que chamamos de "renda disponível", que é basicamente: depois de pagar impostos e despesas básicas essenciais, quanto dinheiro sobra para gastos arbitrários ou para guardar?	en-pt-br
And here's the really unfortunate thing -- and I'm not proud of this, but remember, we were paying at market or above, so I thought the market would take care of this, right, by doing that -- we found that for that population, they had four to six percent NDI, net disposable income, after paying taxes and essential living expenses.	Esas talihsizlik de işte bu -- bundan gurur duymuyorum, hatırlayın, piyasa seviyesinde veya üzerinde ödüyoruz, bu yüzden piyasanın bunu yaparak bu konuyla ilgileneceğini düşündüm -- bu nüfus için, vergileri ve gerekli yaşamsal masrafları ödedikten sonra yüzde dört ile altı arasında net harcanabilir gelir, kısaca NHG olduğunu bulduk.	en-tr
You are going to struggle to make ends meet.	No alcanza para llegar a fin de mes.	en-es
And by the way, NDI changes location to location to location around the globe, right?	Bu arada, dünya genelinde NHG konuma göre değişiyor, değil mi?	en-tr
There's a different NDI in Manila, a different NDI in Omaha, Nebraska, than there is in New York City, etc.	Manila'da farklı bir NHG var, Omaha, Nebraska'da farklı bir NHG ve New York'ta da farklı, vesaire.	en-tr
And so we basically said to ourselves, we need to take NDI to 20 percent.	En definitiva, nos dimos cuenta de que teníamos que elevar ese salario disponible un 20 %,	en-es
Because at 20 percent -- and that's a huge shift, from four to six to 20 percent -- but at 20 percent, you actually have the ability to save and to put money away and to take care of discretionary expenses.	lo cual es una gran diferencia, es decir, de 4 o 6 % a 20 %, porque ese 20 % permite tener buena capacidad de ahorro y destinar dinero a gastos discrecionales.	en-es
And so we did a pretty massive reorientation of our compensation systems.	A raíz de esto, decidimos redireccionar a nivel masivo nuestro sistema de compensaciones.	en-es
We lowered the cost of benefits by 58 percent, because benefits are like a regressive tax, you pay the same amount no matter what your salary is.	Yardım maliyetini yüzde 58 düşürdük çünkü yardımlar azalan oranlı bir vergi, maaşınız ne olursa olsun aynı miktarı ödüyorsunuz.	en-tr
And so we had a lot of employees who weren't taking health care benefits, because it cost too much to be able to do that.	Sağlık hizmeti yardımı almayan çok fazla çalışanımız vardı çünkü bunu yapabilmek pahalıya mal oluyordu.	en-tr
So we lowered it by 58 percent.	Bu yüzden, yüzde 58 düşürdük.	en-tr
We made every single employee of PayPal a shareholder and an owner of the business, and we gave them pretty big grants so that they could be a part of the success of PayPal going forward.	PayPal'ın her bir çalışanını işin hissedarı ve sahibi haline getirdik ve onlara, ilerlemekte olan PayPal'ın başarısının bir parçası olabilmeleri için oldukça büyük bağışlar yaptık.	en-tr
We raised salaries where we needed to go and do that.	Bunu yapmamız gereken yerlerde maaşları yükselttik.	en-tr
And then we wrapped all of that into a financial education program, because people had never gotten equity before, they were trying to think through, "How do I save now that I've got incremental dollars to go and do that?"	Sonra tüm bunları bir finansal eğitim programında paketledik çünkü insanlar daha önce hiç hisse senedi almamışlardı, düşünmeye çalışıyorlardı, "Artan dolarlarım olduğuna göre şimdi nasıl tasarruf yapacağım?"	en-tr
And that cost us quite a bit of money to go and do that, but I really feel, just like how we spend a lot of money to take care of customers, as you mentioned up front, in COVID-19, that companies need to stand for more than just making money, for more than just maximizing our profits next quarter.	Bunu gerçekleştirmek bize biraz pahalıya mal oldu fakat gerçekten anlıyorum, tıpkı müşterilerimizle ilgilenmek için çok para harcamamız gibi, en baştan belirttiğin gibi, COVID-19'da şirketler para kazanmaktan daha fazlasını, önümüzdeki üç ay için karlarımızı yükseltmekten daha fazlasını yapmalılar.	en-tr
I firmly, firmly believe that the costs associated with taking care of our employees, taking care of our customers, will benefit us in the long run multiplefold over the costs associated with doing that.	Creo muy firmemente que la inversión que hacemos para cuidar de los empleados y de nuestros clientes a largo plazo nos beneficiará con creces, en comparación con el costo que supone esta política.	en-es
And we're already beginning to see some of the impact of that.	Y ya estamos empezando a ver sus frutos.	en-es
And so, I think every CEO, every company, needs to really now start to think about, especially maybe as a result of this crisis, but as I mentioned, we had a crisis before this, how do we put our employees first, take care of them?	Considero que todo director ejecutivo, toda empresa, debe empezar a plantearse, especialmente, quizá, como resultado de esta crisis, aunque, como dije, ya tuvimos una crisis anterior, ¿cómo priorizamos al empleado, cómo lo cuidamos?	en-es
Because if you do that, you'll take care of customers, and if you take care of customers, you'll take of shareholders, inevitably.	Porque si lo hacemos, estaremos cuidando al cliente, y si cuidamos al cliente, inevitablemente cuidamos a las partes interesadas.	en-es
And so this has been a huge part of it about for the last year or so.	Geçen yıl için bu onun büyük bir parçası oldu.	en-tr
CH: It's so interesting, and it brings up so many questions, I think, for me and probably our community as well.	CH: Isso é interessante e traz muitas perguntas, para mim e provavelmente nossa comunidade também.	en-pt-br
I mean, PayPal is a hugely profitable tech business, huge free cash flow and big margins.	O PayPal é um negócio de tecnologia extremamente lucrativo, com enorme fluxo de caixa livre e grandes margens.	en-pt-br
Do you think this model is something that every company can do, whether it's a tech company, a manufacture, a meatpacking business?	¿Cree que este modelo puede ser imitado por cualquier empresa, sea de tecnología, de producción, de la industria de la carne?	en-es
I mean, is this what everyone should be focused on?	¿Es este el modelo que todas deberían seguir?	en-es
DS: Well, I think that -- and I don't want to moralize or tell other companies what they should do -- but to me, I think everyone should understand the financial health of their employees.	DS: Şöyle düşünüyorum -- ve diğer şirketlere ahlak dersi vermek veya ne yapacaklarını söylemek istemiyorum -- ama ben, herkesin çalışanlarının finansal sağlığını anlaması gerektiğini düşünüyorum.	en-tr
That's a baseline thing to go do.	Esa es la premisa básica.	en-es
What you do post-that is up to maybe your financial strength as a company or where you put your order of priorities.	Bunun sonrasında ne yapacağınız belki de bir şirket olarak finansal gücünüze veya öncelik sıralamanızı nereye koyduğunuza bağlıdır.	en-tr
But what I've found is, I thought the market could tell you that, and this is why I say, in many ways -- you know, I'm a big believer in capitalism.	Pero, en mi caso, yo creí que el mercado iría a marcar eso, y por eso sostengo, por varios motivos, que soy un gran defensor del capitalismo.	en-es
I think it's, in many ways, the best economic system that I know of.	Acho que é, de várias maneiras, o melhor sistema econômico que eu conheço.	en-pt-br
But, like everything, it needs an upgrade.	pero, como todo, debe actualizarse.	en-es
It needs tuning, and at least for these vulnerable populations, just because you pay at market doesn't mean that they have financial health or financial wellness.	Tiene que ajustar su sintonía. Y al menos en estas poblaciones vulnerables, no porque se les pague lo que fija el mercado significa que tengan salud financiera o bienestar económico.	en-es
And I think everyone should know whether or not their employees have the wherewithal to be able to save to withstand financial shocks, and then really understand, like, what can you do about it?	Bence herkes, çalışanlarının finansal şoklara karşı koymak için, tasarruf amacıyla gereken paraya sahip olup olmadığını bilmeli ve sonra bununla ilgili ne yapabileceğini gerçekten anlamalı.	en-tr
I think this NDI measure is a really interesting one.	Creo que esta medición del salario disponible es algo muy interesante.	en-es
It takes some time to go do it, because you have to be quite thorough and you have to really understand living expenses by location and what tax jurisdictions there are.	Demora algum tempo para se concretizar, porque é preciso ser bem cuidadoso e entender realmente as despesas de moradia por local e as jurisdições fiscais.	en-pt-br
But you need to create an NDI that's to a certain level where people aren't struggling to make ends meet.	Mas é preciso criar uma renda disponível de um certo nível no qual as pessoas não tenham dificuldade para se manter.	en-pt-br
Because if people are struggling to make ends meet, they are not as productive at work.	Porque nesta condição, as pessoas não são tão produtivas no trabalho.	en-pt-br
They're worried about, like, what am I going to do with my kids?	Ficam preocupadas com os filhos:	en-pt-br
My kid just got sick. I don't have health insurance.	Çocuğum hastalandı. Sağlık sigortam yok.	en-tr
I think there's a spiral that occurs.	Eu acho que ocorre uma espiral.	en-pt-br
You think you're actually saving money by paying less, but the reality is, at least in my belief system, you take care of your employees, and other things naturally flow from that.	Siz daha az ödeyerek paradan tasarruf ettiğinizi düşünüyorsunuz fakat gerçek şu ki, en azından benim inanç sistemimde, çalışanlarınızla ilgilenirsiniz ve diğer her şey doğal olarak akıp gider.	en-tr
They are more productive.	Daha üretken olurlar.	en-tr
They love being a part of that company.	Adoram fazer parte dessa empresa.	en-pt-br
They take care of customers better.	cuidan más de los clientes.	en-es
And all of those things inevitably accrue to the benefit of a company in terms of how it's trying to serve its ultimate end market.	Y todo eso, inevitablemente, redunda en beneficio de la compañía en su objetivo de llegar al mercado final.	en-es
But it starts with your employees.	Mas começa com os funcionários.	en-pt-br
CH: So obviously you believe in this "capitalism needs an upgrade," and I think NDI is something so many companies should adopt.	CH: Obviamente, você acredita que o capitalismo precisa de atualização, e acho que a renda disponível é algo que muitas empresas devem adotar.	en-pt-br
But do you think this happens through benevolent corporate activity?	Mas você acha que isso acontece por meio de atividade corporativa benevolente?	en-pt-br
I'm channeling my inner Bernie Bro here, but I think a lot of people would be skeptical that we should trust companies to do better at this point.	İçimdeki Bernie Sanders sevgisini aktarıyorum fakat birçok insanın bu noktada şirketlerin daha iyisini yapacağı konusunda şüpheci olacağını düşünüyorum.	en-tr
Should the government step in to raise minimum wages, do other things to protect workers in a more structured way?	¿Debería el gobierno intervenir para aumentar el salario mínimo, tomar otras medidas para proteger a los trabajadores de forma más estructural?	en-es
DS: Look, I think the government clearly has a role to play, and I think the private and public sectors need to work closer together to address so many of the issues that we face in our societies across the world, whether that be income inequality, environmental issues, health, protections, that kind of thing, privacy.	DS: O governo claramente tem um papel a desempenhar e acho que os setores público e privado precisam trabalhar juntos para resolver muitos dos problemas que enfrentamos nas sociedades do mundo, seja a desigualdade de renda, problemas ambientais, saúde, proteções, privacidade.	en-pt-br
But the way that I think about this is, it's very difficult for governments to regulate around this, because there are so many different ways of thinking about it.	Mas minha opinião é de que é muito difícil para os governos regularem isso, porque há muitas maneiras diferentes de pensar a respeito.	en-pt-br
If I were another CEO, and this is like, it's actually in your best interest to go and do this because it's a competitive advantage.	Se eu fosse um outro CEO, é realmente do seu interesse fazer isso, porque é uma vantagem competitiva.	en-pt-br
Like, we attract, I think, some of the best talent in the world to PayPal, because we have a mission that people believe in, that we actually are trying to make some sort of positive difference.	Tıpkı dünyadaki, bence en yetenekli kişilerden bazılarını PayPal'a çektiğimiz gibi, çünkü insanların inandığı bir misyonumuz var, bu misyonla bir tür pozitif farklılık yaratmaya çalışıyoruz aslında.	en-tr
I'm not saying we're the be-all and end-all, but I don't think people should shirk their responsibilities of at least making a small difference going forward.	No estoy insinuando que seamos la panacea, pero la gente no debería evadir la responsabilidad de marcar, al menos, una pequeña diferencia en el futuro.	en-es
If enough companies did that, if enough governments did that, it would make a real difference in the world.	Yeterince şirket bunu yapsaydı, yeterince hükumet bunu yapsaydı bu, dünyada gerçek bir fark yaratırdı.	en-tr
And then the second thing is, you have to have values that support that.	E então a segunda coisa é ter valores que apoiem isso.	en-pt-br
And those values are incredibly important.	Eles são incrivelmente importantes, devem tratar de inclusão	en-pt-br
Those values should be all about inclusion.	Bu değerler tamamen dahil olma ile alakalı olmalı.	en-tr
They should be about having a diverse workforce.	Çeşitli bir iş gücüne sahip olmakla alakalı olmalı.	en-tr
They should be about financial wellness.	Eles devem tratar de bem-estar financeiro.	en-pt-br
And when you do that, and you attract the very best talent, then by definition, I think the single biggest competitive advantage for any company is their workforce.	Bunu yaptığınız zaman ve en yeteneklileri kendinize çektiğiniz zaman, o zaman doğası gereği herhangi bir şirket için en büyük rekabet avantajının iş gücü olacağını düşünüyorum.	en-tr
Strategies are great.	Stratejiler mükemmeldir.	en-tr
You have a great workforce that's passionate about what they're doing and is financially secure, and they will do amazing things.	Yaptığı şeyde tutukulu olan ve finansal olarak güvende olan mükemmel bir iş gücünüz vardır ve onlar inanılmaz şeyler yaparlar.	en-tr
And I think it's that kind of competitive advantage that will spur companies.	É esse tipo de vantagem competitiva que estimulará as empresas.	en-pt-br
So there needs to be a set of CEOs and companies that start to move in this direction, and I believe you're beginning to see more do this.	En definitiva, es necesario que los directores ejecutivos y las empresas empiecen a moverse en esa dirección y creo que esto ya está empezando a ocurrir.	en-es
And once that happens, it starts to tip everything, and I think more and more need to do it to maintain their competitive positioning.	E uma vez que isso acontece, começa a inclinar tudo, e acho que cada vez mais precisam fazê-lo para manter o posicionamento competitivo.	en-pt-br
And that may seem like a self-serving way why people are doing it, but honestly, I don't care whether they're doing it out of the goodness of their heart or they're doing it because it's competitively a disadvantage if they don't.	Os motivos pelos quais as pessoas fazem isso podem parecer egoístas, mas honestamente, não me importo se fazem por bondade ou porque é uma desvantagem competitiva se não o fizerem.	en-pt-br
Creating financial health for our employees is the goal, and we've got to get that done.	O objetivo é criar saúde financeira para nossos funcionários e temos que fazer isso.	en-pt-br
CH: Yeah. I mean, it sounds like you think of this as a win-win, but it also sounds like you're willing to maybe think about your employees first and sell it to your shareholders later.	CH: Da la impresión de ser una situación donde todos ganan, pero tal parece que Ud. pone la prioridad en sus empleados y luego vende a los accionistas.	en-es
Whitney is -- oh sorry, go ahead.	Desculpe, pode falar.	en-pt-br
DS: No, no, no -- I was just going to say, I actually do believe that, and I think the idea of a multistakeholder capitalism, that is a time for today, and we cannot just think that we have one stakeholder that we need to satisfy.	DS: Iba a decir que creo realmente que es así. La idea de un capitalismo con múltiples partes interesadas se puede aplicar en esta época, pues no debemos pensar que hay que satisfacer a una sola de las partes.	en-es
We live in our communities, we live in this world.	Vivimos en sociedades, vivimos en este mundo.	en-es

And so there is a combination of making sure you have enough data to protect somebody but also assure that your privacy is held sacrosanct, and I think that is a balancing act and one that needs to happen in order for us to do this successfully.

En definitiva, no solo debemos corroborar que tenemos datos suficientes para proteger al consumidor, sino también garantizar que su privacidad se mantenga a estricto resguardo. Ese equilibrio debe existir para que las cosas lleguen a buen puerto.

en-es

WPR: Great, and actually sort of going from digital cash to digital currency, we have another question from Simone Ross in our community about the opportunity that exists for digital currency.

WPR: Harika, aslında bir tür dijital nakitten dijital dövize geçiş, bir diğer soru ise dijital döviz için var olan fırsat ile ilgili, topluluğumuzdan Simone Ross soruyor.

en-tr

She mentioned that PayPal pulled out of Libra.

Ela mencionou que o PayPal se retirou do projeto "Libra".

en-pt-br

What would it take for a truly inclusive digital currency to take hold here?

¿Qué hace falta para que se instale una moneda digital?

en-es

I think there is a tremendous amount of promise as we think about digital currencies.

Dijital dövizleri düşündüğümüzde çok fazla miktarda vaat olduğunu düşünüyorum.

en-tr

Our pulling out of Libra had nothing to do with our firm conviction that blockchain and other forms of maybe stable coin currencies are extremely important and can be very, very helpful, especially in different parts of the world.

El habernos retirado de Libra nada tiene que ver con nuestra firme convicción de que blockchain y las otras formas de criptomonedas estables son sumamente importantes y pueden ser de gran ayuda, especialmente en algunas partes del mundo.

en-es

As we think about stability in different parts of the world where currencies can fluctuate up and down, to have a more stable currency where somebody can know, if they have that, that it's going to be worth x amount, and that they can transact, either with other individuals around the world or, importantly, at merchants around the world.

yani dövizlerin aşağı ve yukarı dalgalanma gösterdiği yerleri, birilerinin bilebileceği daha istikrarlı bir dövize sahip olmak için; eğer buna sahip olsalardı, bu x miktar değerinde olacaktı ve dünyadaki diğer bireylerle veya daha önemlisi dünyadaki diğer tüccarlar ile işlem yapabilirlerdi.

en-tr

And we are looking at all forms of digital currencies right now, working hand in hand with a number of different governments, and I think we should all think about how technology is going to evolve and how currencies will evolve as a result of that.

Şu anda birkaç farklı hükûmetle birlikte çalışan bütün dijital döviz biçimlerine bakıyoruz ve bence hepimiz teknolojinin nasıl gelişeceğini ve bunun sonucu olarak dövizlerin nasıl gelişeceğini düşünmeliyiz.

en-tr

And I think this crisis has really opened the eyes of many governments around the world as to the need for different tool sets to create stimulus and to efficiently and quickly and effectively distribute funds to their citizens.

Bu krizin, dünyadaki birçok hükûmetin gözlerini açtığını düşünüyorum, teşvik yaratmak için gereken farklı araç setleri ve vatandaşlarına yeterli, etkili ve hızlı biçimde sermaye dağıtmak açısından.

en-tr

WPR: Great. Well, I'll be back shortly with more questions, and I'd just love to remind the community that you can ask questions on the "Ask question" feature.

WPR: Harika. Pekâlâ, birazdan daha fazla soruyla döneceğim ve "Soru sor" özelliği üzerinden sorular sorabileceğinizi hatırlatmak isterim.

en-tr

Be sure to use the pull-down tab to select Episode 2, so those questions come.

Gracias.

en-es

DS: Thanks, Whitney.

DS: Gracias, Whitney.

en-es

CH: Thanks, Whitney.

CH: Gracias, Whitney.

en-es

Dan, I want to go back to something we touched on in the beginning about financial wellness.

Dan, quero voltar para algo que tocamos no começo sobre bem-estar financeiro.

en-pt-br

PayPal has done something unique in terms of calculating how much to pay people and how much you should spend on benefits.

PayPal, insanlara ne kadar ödeneceğini ve yardımlara ne kadar harcanması gerektiğini hesaplama konusunda sıra dışı bir şey yaptı.

en-tr

Traditionally, wages are set by the market, but you've found that paying as much or even more than other companies wasn't always enough.

Os salários costumam ser fixados pelo mercado, mas você descobriu que pagar igual ou mais do que outras empresas nem sempre era suficiente.

en-pt-br

Can you tell us about that moment?

Você pode nos contar sobre esse momento?

en-pt-br

So I said, kind of, in our opening, in one of my opening statements, that two-thirds of Americans struggle to make ends meet at the end of the month.

Cuando comenzó la charla, dije que dos tercios de los estadounidenses tienen dificultades para llegar a fin de mes.

en-es

They are financially stressed, and it kind of wreaks havoc in their life.

Tienen aprietos económicos, y esto les hace la vida muy difícil.

en-es

I did a study to look at PayPal employees.

PayPal çalışanlarının durumuna bakmak için bir çalışma yaptım.

en-tr

We did a research study, and I did it because I thought I was going to get back this great information that I was going to talk about at an employee meeting about how well we pay, because we pay, to your point, at or above market in every single location around the world.

Fizemos uma pesquisa, porque achei que teria uma ótima informação da qual eu falaria numa reunião de funcionários sobre como eles ganham bem, pois pagamos no valor de mercado ou acima dele em todos os locais do mundo.

en-pt-br

And what I found is, unfortunately, like the rest of the world, even though we paid at market or above market, 60 percent of our operations personnel, our entry-level employees, our hourly workers, face the same thing.

Descobri que, infelizmente, como no resto do mundo, mesmo pagando o valor de mercado ou acima dele, 60% de nosso pessoal de operações, nossos funcionários iniciantes, os que trabalham por hora, enfrentam a mesma situação: eles passam dificuldades para se manter.

en-pt-br

And that was simply unacceptable for me.

Y eso es simplemente inaceptable para mí.

en-es

I think the world is changing in terms of the responsibility of corporations, the responsibility of CEOs.

El mundo está cambiando en cuanto a la responsabilidad de las empresas, de los directores ejecutivos,

en-es

We have a lot of different stakeholders that we try to satisfy, from regulators to shareholders to customers to employees.

Temos muitas partes interessadas diferentes que tentamos satisfazer, de reguladores a acionistas, de clientes a funcionários.

en-pt-br

But I think the number one responsibility that we have is the health -- financial health -- of our employees, because nothing could be more important to a company than to have financially secure, passionate employees working for you, because nobody is going to serve customers better than employees who feel a part of something and feel financially secure and glad to be a part of that company.

Pero nuestra responsabilidad número uno es la salud financiera de nuestros empleados. Nada es más importante para una empresa que sus empleados tengan seguridad económica y pasión por su trabajo. Porque nadie atenderá mejor al cliente que un empleado con sentido de pertenencia, con seguridad económica y como parte integrante de la empresa.

en-es

And so then the real question becomes: How do you measure that?

Bu durumda esas soru şu, bunu nasıl ölçüyorsunuz?

en-tr

Because a lot of people think about living wages or a minimum wage.

Porque muchos lo hacen según el salario digno, o el salario mínimo,

en-es

And we thought that was insufficient, and we came up with a measurement we called "net disposable income," which is, basically: After you pay taxes and your basically essential living expenses, how much money do you have left over for discretionary things or to save?

Achávamos que isso era insuficiente e criamos uma medida que chamamos de "renda disponível", que é basicamente: depois de pagar impostos e despesas básicas essenciais, quanto dinheiro sobra para gastos arbitrários ou para guardar?

en-pt-br

And here's the really unfortunate thing -- and I'm not proud of this, but remember, we were paying at market or above, so I thought the market would take care of this, right, by doing that -- we found that for that population, they had four to six percent NDI, net disposable income, after paying taxes and essential living expenses.

Esas talihsizlik de işte bu -- bundan gurur duymuyorum, hatırlayın, piyasa seviyesinde veya üzerinde ödüyoruz, bu yüzden piyasanın bunu yaparak bu konuyla ilgileneceğini düşündüm -- bu nüfus için, vergileri ve gerekli yaşamsal masrafları ödedikten sonra yüzde dört ile altı arasında net harcanabilir gelir, kısaca NHG olduğunu bulduk.

en-tr

You are going to struggle to make ends meet.

No alcanza para llegar a fin de mes.

en-es

And by the way, NDI changes location to location to location around the globe, right?

Bu arada, dünya genelinde NHG konuma göre değişiyor, değil mi?

en-tr

There's a different NDI in Manila, a different NDI in Omaha, Nebraska, than there is in New York City, etc.

Manila'da farklı bir NHG var, Omaha, Nebraska'da farklı bir NHG ve New York'ta da farklı, vesaire.

en-tr

And so we basically said to ourselves, we need to take NDI to 20 percent.

En definitiva, nos dimos cuenta de que teníamos que elevar ese salario disponible un 20 %,

en-es

Because at 20 percent -- and that's a huge shift, from four to six to 20 percent -- but at 20 percent, you actually have the ability to save and to put money away and to take care of discretionary expenses.

lo cual es una gran diferencia, es decir, de 4 o 6 % a 20 %, porque ese 20 % permite tener buena capacidad de ahorro y destinar dinero a gastos discrecionales.

en-es

And so we did a pretty massive reorientation of our compensation systems.

A raíz de esto, decidimos redireccionar a nivel masivo nuestro sistema de compensaciones.

en-es

We lowered the cost of benefits by 58 percent, because benefits are like a regressive tax, you pay the same amount no matter what your salary is.

Yardım maliyetini yüzde 58 düşürdük çünkü yardımlar azalan oranlı bir vergi, maaşınız ne olursa olsun aynı miktarı ödüyorsunuz.

en-tr

And so we had a lot of employees who weren't taking health care benefits, because it cost too much to be able to do that.

Sağlık hizmeti yardımı almayan çok fazla çalışanımız vardı çünkü bunu yapabilmek pahalıya mal oluyordu.

en-tr

So we lowered it by 58 percent.

Bu yüzden, yüzde 58 düşürdük.

en-tr

We made every single employee of PayPal a shareholder and an owner of the business, and we gave them pretty big grants so that they could be a part of the success of PayPal going forward.

PayPal'ın her bir çalışanını işin hissedarı ve sahibi haline getirdik ve onlara, ilerlemekte olan PayPal'ın başarısının bir parçası olabilmeleri için oldukça büyük bağışlar yaptık.

en-tr

We raised salaries where we needed to go and do that.

Bunu yapmamız gereken yerlerde maaşları yükselttik.

en-tr

And then we wrapped all of that into a financial education program, because people had never gotten equity before, they were trying to think through, "How do I save now that I've got incremental dollars to go and do that?"

Sonra tüm bunları bir finansal eğitim programında paketledik çünkü insanlar daha önce hiç hisse senedi almamışlardı, düşünmeye çalışıyorlardı, "Artan dolarlarım olduğuna göre şimdi nasıl tasarruf yapacağım?"

en-tr

And that cost us quite a bit of money to go and do that, but I really feel, just like how we spend a lot of money to take care of customers, as you mentioned up front, in COVID-19, that companies need to stand for more than just making money, for more than just maximizing our profits next quarter.

Bunu gerçekleştirmek bize biraz pahalıya mal oldu fakat gerçekten anlıyorum, tıpkı müşterilerimizle ilgilenmek için çok para harcamamız gibi, en baştan belirttiğin gibi, COVID-19'da şirketler para kazanmaktan daha fazlasını, önümüzdeki üç ay için karlarımızı yükseltmekten daha fazlasını yapmalılar.

en-tr

I firmly, firmly believe that the costs associated with taking care of our employees, taking care of our customers, will benefit us in the long run multiplefold over the costs associated with doing that.

Creo muy firmemente que la inversión que hacemos para cuidar de los empleados y de nuestros clientes a largo plazo nos beneficiará con creces, en comparación con el costo que supone esta política.

en-es

And we're already beginning to see some of the impact of that.

Y ya estamos empezando a ver sus frutos.

en-es

And so, I think every CEO, every company, needs to really now start to think about, especially maybe as a result of this crisis, but as I mentioned, we had a crisis before this, how do we put our employees first, take care of them?

Considero que todo director ejecutivo, toda empresa, debe empezar a plantearse, especialmente, quizá, como resultado de esta crisis, aunque, como dije, ya tuvimos una crisis anterior, ¿cómo priorizamos al empleado, cómo lo cuidamos?

en-es

Because if you do that, you'll take care of customers, and if you take care of customers, you'll take of shareholders, inevitably.

Porque si lo hacemos, estaremos cuidando al cliente, y si cuidamos al cliente, inevitablemente cuidamos a las partes interesadas.

en-es

And so this has been a huge part of it about for the last year or so.

Geçen yıl için bu onun büyük bir parçası oldu.

en-tr

CH: It's so interesting, and it brings up so many questions, I think, for me and probably our community as well.

CH: Isso é interessante e traz muitas perguntas, para mim e provavelmente nossa comunidade também.

en-pt-br

I mean, PayPal is a hugely profitable tech business, huge free cash flow and big margins.

O PayPal é um negócio de tecnologia extremamente lucrativo, com enorme fluxo de caixa livre e grandes margens.

en-pt-br

Do you think this model is something that every company can do, whether it's a tech company, a manufacture, a meatpacking business?

¿Cree que este modelo puede ser imitado por cualquier empresa, sea de tecnología, de producción, de la industria de la carne?

en-es

I mean, is this what everyone should be focused on?

¿Es este el modelo que todas deberían seguir?

en-es

DS: Well, I think that -- and I don't want to moralize or tell other companies what they should do -- but to me, I think everyone should understand the financial health of their employees.

DS: Şöyle düşünüyorum -- ve diğer şirketlere ahlak dersi vermek veya ne yapacaklarını söylemek istemiyorum -- ama ben, herkesin çalışanlarının finansal sağlığını anlaması gerektiğini düşünüyorum.

en-tr

That's a baseline thing to go do.

Esa es la premisa básica.

en-es

What you do post-that is up to maybe your financial strength as a company or where you put your order of priorities.

Bunun sonrasında ne yapacağınız belki de bir şirket olarak finansal gücünüze veya öncelik sıralamanızı nereye koyduğunuza bağlıdır.

en-tr

But what I've found is, I thought the market could tell you that, and this is why I say, in many ways -- you know, I'm a big believer in capitalism.

Pero, en mi caso, yo creí que el mercado iría a marcar eso, y por eso sostengo, por varios motivos, que soy un gran defensor del capitalismo.

en-es

I think it's, in many ways, the best economic system that I know of.

Acho que é, de várias maneiras, o melhor sistema econômico que eu conheço.

en-pt-br

But, like everything, it needs an upgrade.

pero, como todo, debe actualizarse.

en-es

It needs tuning, and at least for these vulnerable populations, just because you pay at market doesn't mean that they have financial health or financial wellness.

Tiene que ajustar su sintonía. Y al menos en estas poblaciones vulnerables, no porque se les pague lo que fija el mercado significa que tengan salud financiera o bienestar económico.

en-es

And I think everyone should know whether or not their employees have the wherewithal to be able to save to withstand financial shocks, and then really understand, like, what can you do about it?

Bence herkes, çalışanlarının finansal şoklara karşı koymak için, tasarruf amacıyla gereken paraya sahip olup olmadığını bilmeli ve sonra bununla ilgili ne yapabileceğini gerçekten anlamalı.

en-tr

I think this NDI measure is a really interesting one.

Creo que esta medición del salario disponible es algo muy interesante.

en-es

It takes some time to go do it, because you have to be quite thorough and you have to really understand living expenses by location and what tax jurisdictions there are.

Demora algum tempo para se concretizar, porque é preciso ser bem cuidadoso e entender realmente as despesas de moradia por local e as jurisdições fiscais.

en-pt-br

But you need to create an NDI that's to a certain level where people aren't struggling to make ends meet.

Mas é preciso criar uma renda disponível de um certo nível no qual as pessoas não tenham dificuldade para se manter.

en-pt-br

Because if people are struggling to make ends meet, they are not as productive at work.

Porque nesta condição, as pessoas não são tão produtivas no trabalho.

en-pt-br

They're worried about, like, what am I going to do with my kids?

Ficam preocupadas com os filhos:

en-pt-br

My kid just got sick. I don't have health insurance.

Çocuğum hastalandı. Sağlık sigortam yok.

en-tr

I think there's a spiral that occurs.

Eu acho que ocorre uma espiral.

en-pt-br

You think you're actually saving money by paying less, but the reality is, at least in my belief system, you take care of your employees, and other things naturally flow from that.

Siz daha az ödeyerek paradan tasarruf ettiğinizi düşünüyorsunuz fakat gerçek şu ki, en azından benim inanç sistemimde, çalışanlarınızla ilgilenirsiniz ve diğer her şey doğal olarak akıp gider.

en-tr

They are more productive.

Daha üretken olurlar.

en-tr

They love being a part of that company.

Adoram fazer parte dessa empresa.

en-pt-br

They take care of customers better.

cuidan más de los clientes.

en-es

And all of those things inevitably accrue to the benefit of a company in terms of how it's trying to serve its ultimate end market.

Y todo eso, inevitablemente, redunda en beneficio de la compañía en su objetivo de llegar al mercado final.

en-es

But it starts with your employees.

Mas começa com os funcionários.

en-pt-br

CH: So obviously you believe in this "capitalism needs an upgrade," and I think NDI is something so many companies should adopt.

CH: Obviamente, você acredita que o capitalismo precisa de atualização, e acho que a renda disponível é algo que muitas empresas devem adotar.

en-pt-br

But do you think this happens through benevolent corporate activity?

Mas você acha que isso acontece por meio de atividade corporativa benevolente?

en-pt-br

I'm channeling my inner Bernie Bro here, but I think a lot of people would be skeptical that we should trust companies to do better at this point.

İçimdeki Bernie Sanders sevgisini aktarıyorum fakat birçok insanın bu noktada şirketlerin daha iyisini yapacağı konusunda şüpheci olacağını düşünüyorum.

en-tr

Should the government step in to raise minimum wages, do other things to protect workers in a more structured way?

¿Debería el gobierno intervenir para aumentar el salario mínimo, tomar otras medidas para proteger a los trabajadores de forma más estructural?

en-es

DS: Look, I think the government clearly has a role to play, and I think the private and public sectors need to work closer together to address so many of the issues that we face in our societies across the world, whether that be income inequality, environmental issues, health, protections, that kind of thing, privacy.

DS: O governo claramente tem um papel a desempenhar e acho que os setores público e privado precisam trabalhar juntos para resolver muitos dos problemas que enfrentamos nas sociedades do mundo, seja a desigualdade de renda, problemas ambientais, saúde, proteções, privacidade.

en-pt-br

But the way that I think about this is, it's very difficult for governments to regulate around this, because there are so many different ways of thinking about it.

Mas minha opinião é de que é muito difícil para os governos regularem isso, porque há muitas maneiras diferentes de pensar a respeito.

en-pt-br

If I were another CEO, and this is like, it's actually in your best interest to go and do this because it's a competitive advantage.

Se eu fosse um outro CEO, é realmente do seu interesse fazer isso, porque é uma vantagem competitiva.

en-pt-br

Like, we attract, I think, some of the best talent in the world to PayPal, because we have a mission that people believe in, that we actually are trying to make some sort of positive difference.

Tıpkı dünyadaki, bence en yetenekli kişilerden bazılarını PayPal'a çektiğimiz gibi, çünkü insanların inandığı bir misyonumuz var, bu misyonla bir tür pozitif farklılık yaratmaya çalışıyoruz aslında.

en-tr

I'm not saying we're the be-all and end-all, but I don't think people should shirk their responsibilities of at least making a small difference going forward.

No estoy insinuando que seamos la panacea, pero la gente no debería evadir la responsabilidad de marcar, al menos, una pequeña diferencia en el futuro.

en-es

If enough companies did that, if enough governments did that, it would make a real difference in the world.

Yeterince şirket bunu yapsaydı, yeterince hükumet bunu yapsaydı bu, dünyada gerçek bir fark yaratırdı.

en-tr

And then the second thing is, you have to have values that support that.

E então a segunda coisa é ter valores que apoiem isso.

en-pt-br

And those values are incredibly important.

Eles são incrivelmente importantes, devem tratar de inclusão

en-pt-br

Those values should be all about inclusion.

Bu değerler tamamen dahil olma ile alakalı olmalı.

en-tr

They should be about having a diverse workforce.

Çeşitli bir iş gücüne sahip olmakla alakalı olmalı.

en-tr

They should be about financial wellness.

Eles devem tratar de bem-estar financeiro.

en-pt-br

And when you do that, and you attract the very best talent, then by definition, I think the single biggest competitive advantage for any company is their workforce.

Bunu yaptığınız zaman ve en yeteneklileri kendinize çektiğiniz zaman, o zaman doğası gereği herhangi bir şirket için en büyük rekabet avantajının iş gücü olacağını düşünüyorum.

en-tr

Strategies are great.

Stratejiler mükemmeldir.

en-tr

You have a great workforce that's passionate about what they're doing and is financially secure, and they will do amazing things.

Yaptığı şeyde tutukulu olan ve finansal olarak güvende olan mükemmel bir iş gücünüz vardır ve onlar inanılmaz şeyler yaparlar.

en-tr

And I think it's that kind of competitive advantage that will spur companies.

É esse tipo de vantagem competitiva que estimulará as empresas.

en-pt-br

So there needs to be a set of CEOs and companies that start to move in this direction, and I believe you're beginning to see more do this.

En definitiva, es necesario que los directores ejecutivos y las empresas empiecen a moverse en esa dirección y creo que esto ya está empezando a ocurrir.

en-es

And once that happens, it starts to tip everything, and I think more and more need to do it to maintain their competitive positioning.

E uma vez que isso acontece, começa a inclinar tudo, e acho que cada vez mais precisam fazê-lo para manter o posicionamento competitivo.

en-pt-br

And that may seem like a self-serving way why people are doing it, but honestly, I don't care whether they're doing it out of the goodness of their heart or they're doing it because it's competitively a disadvantage if they don't.

Os motivos pelos quais as pessoas fazem isso podem parecer egoístas, mas honestamente, não me importo se fazem por bondade ou porque é uma desvantagem competitiva se não o fizerem.

en-pt-br

Creating financial health for our employees is the goal, and we've got to get that done.

O objetivo é criar saúde financeira para nossos funcionários e temos que fazer isso.

en-pt-br

CH: Yeah. I mean, it sounds like you think of this as a win-win, but it also sounds like you're willing to maybe think about your employees first and sell it to your shareholders later.

CH: Da la impresión de ser una situación donde todos ganan, pero tal parece que Ud. pone la prioridad en sus empleados y luego vende a los accionistas.

en-es

Whitney is -- oh sorry, go ahead.

Desculpe, pode falar.

en-pt-br

DS: No, no, no -- I was just going to say, I actually do believe that, and I think the idea of a multistakeholder capitalism, that is a time for today, and we cannot just think that we have one stakeholder that we need to satisfy.

DS: Iba a decir que creo realmente que es así. La idea de un capitalismo con múltiples partes interesadas se puede aplicar en esta época, pues no debemos pensar que hay que satisfacer a una sola de las partes.

en-es

We live in our communities, we live in this world.

Vivimos en sociedades, vivimos en este mundo.

en-es