"I tīmata te taupānga a te wharekai ki te whakaputa moni nui ake i te tuku," te kī a te kaiwhakahaere

Kua mutu te noho noa iho o ngā taupānga motuhake hei huarahi whiwhi ota, ā, kua whai tūranga rautaki rātou ki te whakaputa moni mā ngā wharekai. Nā te whanaketanga o te Open Finance, ngā otinga Banking as a Service (BaaS), me te whakakotahitanga o Pix hei tikanga utu matua o te motu, kua tīmata ngā umanga ki te whakauru i ngā pēke matihiko, te whakahoki moni, ngā kāri koha, ngā kaupapa pono, te nama, me ētahi atu ratonga pūtea ki roto i ā rātou papaaho. Mā tēnei kaupapa ka whānui ake ngā whai wāhitanga ki te whiwhi moni, ka whakapakari ake i ngā whanaungatanga kiritaki, ā, ka whakaiti i te whakawhirinaki ki ngā mākete.

a Rafael Franco, he tauira paetahi o te Pūtaiao Rorohiko, he Tumu Whakarae hoki nō Alphacode, he kamupene e tohunga ana ki te whakawhanake i ngā tono mō te ratonga kai, te hangarau pūtea, me te mākete pūtea, ka whakarerekē tēnei huringa i te tūranga o ngā tono i roto i te whakahaere.

E ai ki a ia, ka whakakotahi te tūāpapa i ngā ratonga rerekē e whakamahia ana e te kaihoko puta noa i te haerenga hoko, ka noho hei rawa rautaki hei whakapiki i te hokinga mai, te pupuri, me te hua.

E whakaata ana tēnei whanaketanga i te whanaketanga o te pūnaha pūtea o Brazil. Nā te Peeke Matua i whakahaere, ka taea e Open Finance te tiritiri i ngā raraunga pūtea me te whakamanatanga a te kaihoko, ā, mā te tauira Banking as a Service ka taea e ngā kamupene te tuku ratonga pūtea mā te whakamahi i ngā hanganga o ngā umanga whai mana. I roto i te mahi, ka whakaitihia e ēnei hangarau te uaua o te whakauru tika i ngā utu, te nama, me ētahi atu otinga ki roto i ngā tono.

Ka arotahi te taupānga inaianei ki ngā whanaungatanga kiritaki

E ai ki te tohunga, kei te piki haere te whakamahi a ngā kaihoko i tētahi tūāpapa kotahi hei utu, hei kohikohi i ngā painga, hei tirotiro i ngā toenga, hei utu i ngā utu, me te uru atu ki ngā tuku whaiaro. Ko te auau o ngā taunekeneke, ko te nui ake o te kaha o te kamupene ki te mārama ki ngā whanonga a ngā kaihoko, ki te whakawhanake i ngā kaupapa kua tohua, me te whakatenatena i ngā hoko hou.

Ka whakapai ake hoki tēnei kohikohinga o ngā mōhiohio i te whai huatanga o te mahi. Mā te kohikohi i ngā ota, ngā utu, ngā kaupapa pono, me ngā raraunga whanonga i runga i te tūāpapa kotahi, ka taea e te wharekai te whakaiti i ngā utu hoko, te whakanui ake i te uara ota toharite, me te arotahi ki ngā haumitanga hokohoko me te tino tika.

"Ko ngā wharekai e whakahaere ana i ā rātou kiritaki ka hanga hononga pumau, ka whakaiti i tō rātou whakawhirinaki ki ngā mākete, ā, ka whakawhanake i ngā rautaki pono me te whakaputa moni whai hua ake mō te kiritaki," te kī a Rafael Franco.

Ka piki ake te moni whiwhi a ngā wharekai mā ngā ratonga pūtea

Kei te tere ake te whanaketanga o ngā umanga hangarau pūtea i tēnei panonitanga. E whakaatu ana tētahi rangahau a te Brazilian Fintech Association (ABFintechs) neke atu i te 60% o ngā kamupene i roto i te rāngai e tuku ana i ngā huarahi kē atu i ngā ratonga peeke tuku iho, e whakawhānui ake ana i te urunga atu ki ngā hanganga pūtea mō ngā wāhanga rerekē o te ōhanga.

I roto i tēnei horopaki, ka taea e ngā API pūtea te whakauru tere i ngā mahi pēnei i te Pix (te pūnaha utu inamata o Brazil), ngā pēke moni matihiko, te nama, te matapae i ngā nama e utua ana, te tātari mōrearea, me ētahi atu ratonga e whakahaerehia ana e te Peeke Matua. Ka whakawhānui ake te wharekai i tana putea me te kore e hiahia ki te mahi hei umanga pūtea.

E whakamārama ana a Rafael kua wātea te hanganga pūtea ki ngā kamupene i roto i ngā rāngai rerekē, ā, ka taea e rātou te waihanga i ngā wheako katoa i roto i ā rātou ake tono. Nō reira, ko ngā āhuatanga pēnei i te whakahoki moni, ngā whiwhinga putea mamati, ngā kāri koha, me ngā kaupapa pono ka mutu te mahi hei mahi whakatairanga anake, ā, ka tīmata ki te whakatenatena i ngā hoko anō, te whakanui ake i te moni e pau ana mō ia kiritaki, me te whakaroa i te whanaungatanga ki te waitohu.

E ai ki te kaiwhakahaere matua, kei te anga whakamua ngā taupānga ki te whai i tētahi tūranga rite ki ngā taupānga nunui, arā, ko te whakakotahi i te whakahaere whanaungatanga, ngā utu, ngā kaupapa pono, me ngā ratonga pūtea i roto i tētahi taiao matihiko kotahi. "Ko te hunga e huri ana i tā rātou taupānga hei pūnaha matihiko ka nui ake ā rātou hua, ka nui ake ngā rerenga moni hou, ā, ka kaha ake te whanaungatanga ki ā rātou kiritaki."

Mō te kaihoko, ko te tikanga o tēnei panonitanga he wheako whai hua ake, he wheako whakauru hoki. Engari ko te whakamahi i ngā taupānga rerekē hei utu, hei kohikohi tohu, hei whiwhi painga, hei aroturuki rānei i ngā whakatairanga, kua whakakotahihia ēnei mahi katoa ki te taiao kotahi. Mā tēnei ka whakaitihia ngā mahi o te tukanga hoko, ka tere ake te ratonga kaihoko, ā, ka taea te whakawhaiaro ake i ngā tuku kia rite ki te hītori me ngā manakohanga o ia kaihoko, ka māmā ake te whanaungatanga ki te waitohu, ka auau ake hoki.