Nā te pikinga ake o te hiahia mō ngā otinga pūtea tere ake, whaiaro ake hoki, kei te puāwai te mākete hangarau pūtea i Brazil me Amerika Latina. E ai ki ngā rangahau hou a Distrito, kei te rohe o Amerika Latina te kāinga o te tata ki te 2,700 ngā kamupene auaha e tuku ana i ngā ratonga pūtea, ā, ko Brazil e aro ana ki te 58% o tēnei tapeke, he rite ki te tata ki te 1,600 ngā pakihi hou. I roto i tēnei horopaki, ko te tauira pakihi tauwhitinga te mea tino kitea, e tohu ana i te 35.91% o ēnei pakihi hou, ko SaaS te mea nui me te 34.22%, e whakaata ana i te hiahia mō ngā otinga hangarau tauine me te whai hua.
Nā tēnei taiao tere whanake kua whakatairanga i te putanga mai o ngā kamupene hangarau pūtea auaha e tuku ana i ngā otinga ki ngā wero utu uaua, pērā i te whakarite me te hoko-iti. Ina koa, kua whakatūria a Brazil hei pokapū mō ēnei auahatanga, me ngā kamupene tīmata e whakawhanake ana i ngā hangarau e whakapai ake ana i te whai huatanga o te whakahaere me te whakaiti i te tinihanga, e whakahaere ana i te whakaurunga o ngā ratonga maha ki roto i te tūāpapa kotahi.
I roto i ēnei kamupene hangarau pūtea, ko Tuna Pagamentos, i whakatūria i te tau 2020 e ngā kaiwhakahaere o mua o Peixe Urbano me Groupon Latam, te mea tino rongonui. He maha ngā huinga o ngā kaiwhakarato utu me ngā kaiwhakarato ārai-tinihanga e tukuna ana e te kamupene, e whakarite ana i ana ratonga kia rite ki ngā hiahia o ia kiritaki. "Nā ngā whanaketanga i tēnei wāhanga kua kukume mai ngā kamupene nunui i roto i te hokohoko, te hokohoko ipurangi, me ētahi atu rāngai, e whai ana ki te arotau i ā rātou mahi pūtea mā roto i ngā otinga utu whai hua ake," te kī a Alex Tabor, te Tumu Whakarae o Tuna.
He pai te tirohanga a te rāngai mō te heke mai. Ko te tumanako ka tipu tonu te mākete tīmatanga pūtea i Amerika Latina, nā te tere o te mamati me te hiahia mō ngā ratonga pūtea e wātea ana, e whaiarohia ana hoki. He tūranga nui tā ēnei kamupene ki te whakarerekē i te rāngai pūtea, te whakatairanga i te whakaurunga me te whakapakari i te ōhanga mamati i te rohe.
Haunga ō rātou pānga ōhanga, he tūranga nui tā ngā hangarau pūtea ki te hapori. I te tau 2023, neke atu i te 1.2 piriona ngā pūkete peeke hohe o Brazil, he pikinga 14.2% i whakaritea ki te tau o mua, e tohu ana he 89.8% o ngā tāngata o Brazil he momo hononga peeke, e ai ki te Idwall Digital Experience Ranking, nā Index i te mahi tahi me te kamupene tohutohu Cadarn.
Ka whakawhanakehia hoki tēnei whakaurunga me ngā tikanga utu e whakahaerehia ana e ngā kamupene hou e whakahaere ana i ēnei tauwhitinga. Mā tēnei whakahaere ka pai ake te whai huatanga o ngā hoko. Hei tauira, mā ngā huarahi kē atu pērā i ngā utu wāhanga mā te PIX me ngā utu wāhanga mā te pepa peeke ka taea e ngā kaihoko te whakarite pai ake i ā rātou pūtea, ka karo i te kohikohinga nama.
Nō reira, ko te whānui haere o ngā ratonga pēnei i te maha o ngā hoko me te whakarite utu ka whakanoho i te mākete hangarau pūtea kia nui ake te hiranga i ngā tau e haere ake nei, me te tuku otinga e tutuki ai ngā hiahia o ngā pakihi me ngā kaihoko mutunga.
Ko te āhua whakararuraru o ēnei kamupene he nui atu i te whakangawari i ngā mahi o ia rā o ngā pakihi. Hei whakakapi i ngā umanga peeke tuku iho, he mahi nui tā ēnei pakihi hou ki te whakarerekē i te āhua pūtea me te pāpori. Haunga te whakauru i te whakataetae e tika ana ki te mākete, ka whakawhānui ake hoki ngā umanga hangarau pūtea i te urunga ki te nama, inā koa mā te tuku nama iti ki ngā kaipakihi iti me ngā tāngata takitahi i mua i tangohia mai i te pūnaha peeke.
Ko te rangahau a Letícia Ferrarini, i whakaaturia i te Ibero-American Congress of Business Law and Citizenship, e whakakaha ana i tēnei tūranga whakauru e arahina ana e ngā fintech. E whakaatu ana te rangahau i te whai wāhi a te ia o te whakakore i te aukati pūtea me te whai wāhi haere o te hunga mai i ngā akomanga pāpori rawakore ki te pūnaha pūtea ki te whanaketanga o te ōhanga o Brazil, ā, nō reira, ki te whakapai ake i te kounga o te oranga.
