Kua haere tahi te tipu haere o ngā utu matihiko me te panoni puku o te tinihanga pūtea. Ko te mea i whakawhirinaki nui ki te tahae tohu tuakiri, ki te tārua kāri rānei, inaianei kua whakauruhia te hangarau pāpori, ngā tuakiri hangai, me ngā taputapu matauranga horihori e taea ai te whakapūmau me te whakawhānui ake i ngā whakaeke. I tēnei horopaki, kei te anga atu ngā peeke, ngā hangarau pūtea, me ngā kamupene ki tētahi wero uaua haere: te tiaki i ngā kaiwhakamahi me te kore e whakararu i te tere me te ngāwari o ngā utu matihiko.
E ai ki tētahi rangahau a te Datafolha Institute i te mahi tahi me te Brazilian Forum for Public Security (FBSP), tata ki te 24 miriona tāngata o Brazil i pāngia e ngā tinihanga pūtea e pā ana ki a Pix, ngā kāri nama, me ngā pepa utu i waenga i a Hōngongoi 2024 me Hōngongoi 2025, ā, tata ki te R$29 piriona te nui o ā rātou mate. Hei tāpiri, e whakaatu ana ngā mōhiohio mai i te National Strategy to Combat Corruption and Money Laundering (ENCCLA) kua pāngia kētia e ētahi momo tinihanga pūtea e te neke atu i te haurua o ngā tāngata o Brazil.
"I ēnei rā, e toru ngā au e whakahou ana i te whakahaere mōrearea i roto i te rāngai pūtea. I tētahi taha, kei te tere tipu te tinihanga, ā, kua rerekē te āhua, nā te hangarau pāpori me te whakamahinga o te mātauranga horihori whakaputa. I tētahi atu taha, me whai pūnaha aroturuki wā-tūturu, mārama, me te taea te arotake mō ngā ture. Ā, hei whakamutunga, kei te piki haere te whakawhirinaki o te parepare ki te mātauranga horihori me ngā tikanga motuhēhēnga iti-waku e taea ai te tiaki i te kaiwhakamahi me te kore e whakararu i te wheako utu," te kī a Rodrigo Rodrigues, te Tumu Whakahaere Matua me te kaiwhakaū tahi o Akua, te pūnaha whakahaere utu e whakamahia ana e te AI mō ngā mākete putaiao.
Whakaarohia tētahi kaihoko e hoko kawhe ana i ia ata, i te wā kotahi, i roto hoki i te whare kawhe kotahi. Kātahi anō ka puta mai tētahi hoko nui te uara, i runga i tētahi taputapu rerekē, i tētahi tāone rerekē hoki. I taua wā tonu, ko te pātai nui ehara i te "he aha te kupuhipa?", engari "he tika tēnei whanonga mō tēnei kaihoko?". Koinei te rohe hou o te aukati tinihanga: hei utu mō te whakawhirinaki noa ki ngā kupuhipa, ki ngā tohu tuakiri rānei, ka ako te mātauranga horihori me pēhea te rapu a ia tangata hei tautuhi i te wā kāore pea ko rātou te tangata e utu ana.
Ko te urupare a te umanga e tohu ana ki ngā tauira ka taea te whakamārama i ngā whanonga, kaua ko te whakamahi noa i ngā ture kua tautuhia. Ko te auau hoko, ngā uara noa, ngā wā, te wāhi, ngā taputapu e whakamahia ana, me ngā momo whare hokohoko ētahi o ngā tohu e āhei ai te hanga i ngā kōtaha mōrearea hihiri a te kaihoko. Ina tino rerekē te tauwhitinga mai i tēnei tauira, ka taea e ngā pūnaha te tautuhi i ngā hapa me te aromatawai i te taumata o te mōrearea i mua i te whakamana i tētahi mahi.
Ka whakautua hoki e tēnei panonitanga tētahi hiahia ōhanga. Haunga te whawhai ki te tinihanga, me whakaiti e ngā umanga ngā mea e kiia nei ko ngā hua teka, arā, ngā tauwhitinga tika i whakakahoretia nā te mea e whakapaetia ana he mōrearea. Mō ngā peeke, ngā kamupene hangarau pūtea, me ngā kamupene, ehara i te mea ko te aukati i ngā mahi tinihanga anake te wero, engari me mahi i tēnā me te kore e puta he raruraru koretake, e pā rānei ki te huringa o ngā utu tika.
I roto i tēnei horopaki, kua whakauruhia e ngā kamupene pēnei i a Akua ngā tauira ako mīhini, te manatoko atamai, te tohu, me ngā tikanga tātari wā-tūturu hei whakapakari i te whakahaere mōrearea puta noa i te huringa tauwhitinga katoa. Ehara i te mea ko te kite noa i ngā mahi whakapae te whāinga, engari kia pai ake te mārama ki ngā whanonga a ngā kaiwhakamahi me te whakatau i ngā whakataunga tika ake, mārama ake, me te taea te arotake.
E matapaetia ana ka piki ake te pēhanga ki runga i te pūnaha rauropi i ngā tau e haere ake nei. E ai ki tētahi rangahau nā GlobalData, ka eke pea ngā mate e pā ana ki ngā tinihanga mā Pix ki te R$11 piriona ia tau i te tau 2028, engari e whakaatu ana ngā raraunga mai i Serasa Experian, i te tau 2025, i ia rua meneti ka ngana te mahi tinihanga i roto i te tauhokohoko o Brazil.
"Kei te uru te pakanga ki te tinihanga ki tētahi wāhanga hou. Mena i ngā tau kua hipa ko te tiaki i ngā tohu tuakiri me ngā raraunga te kaupapa matua, ko te wero inaianei ko te whakamārama i ngā tohu i te wā tūturu me te wehewehe i tētahi tauwhitinga tika mai i ngā mahi whakapae me te iti rawa o te waku. Kei te whanake te aukati mai i ngā ture pumau ki ngā tauira hihiri me te urutau," te whakatau a Rodrigues.
I te haere tonu o te whānui haere o ngā utu matihiko, me te whakauru a ngā kaipahua i ngā hangarau hou hei whakanui me te whakarei ake i ā rātou whakaeke, ka puta te kaha ki te whakataurite i te haumarutanga, te wheako kaiwhakamahi, me te whakawhirinaki hei take whakataetae matua mō ngā peeke, ngā kamupene hangarau pūtea, me ngā pakihi. I tēnei horopaki, ka mutu te whakahaere mōrearea hei mahi tiaki noa iho, ā, ka noho hei wāhanga rautaki o te wheako pūtea matihiko.
