Kua mahi tahi a Nord Security , he kaiwhakarato o te ao mō ngā otinga haumarutanga tukutuku, me EBANX , he kamupene hangarau o te ao e tohunga ana ki ngā ratonga utu i ngā mākete hou, hei tuku i te kōwhiringa ki ana kiritaki o Brazil ki te whakamahi i te Pix Automático. Mā tēnei tikanga ka taea e ngā kiritaki te whakamahi i te Pix mō ngā utu auau, pērā i ngā mahere ohaurunga.
E ono marama i muri i te whakaurunga e Nord Security mā EBANX, kua 28% kē te rahinga utu katoa (TPV) a te kamupene i Brazil e whakamahia ana e Pix Automático, ā, e 35% o ōna kaiwhakamahi i te whenua kua whakamahia. Nā te hononga i whakatuwhera te urunga atu ki ngā otinga haumarutanga tukutuku mō ngā kaihoko kāore he kāri, e pai ake ana rānei ki te utu mā Pix. E ai ki te Peeke Matua, e 60 miriona ngā tāngata o Brazil kāore he kāri nama.
Ko Pix te kaiārahi o ngā whakawhitiwhitinga ipurangi puta noa i te whenua, me te neke atu i te 165 miriona kaiwhakamahi rēhita, he rite ki te 96% o te taupori pakeke o Brazil. I roto i te wāhanga pakihi-ki-pakihi (B2B), kei te kaha haere hoki a Pix. I te marama o Poutū-te-rangi, ko ngā kamupene te 52% o te tapeke o ngā whakawhitiwhitinga mā Pix, e ai ki ngā raraunga mai i te Peeke Matua. I EBANX, ko Pix te 81% o ngā utu pakihi-ki-kaihokohoko, e ai ki te pūrongo Beyond Borders 2026.
I tua atu, i roto i ngā marama e ono o te whakahaere, kua piki ake ngā reiti whakaaetanga mō ngā whakawhitiwhitinga i tīmatahia e Nord Security (merchant-initiated transactions, MIT rānei) mā te 20 ōrau, he nui ake i ērā o ngā kāri nama.
"Mā te tuku utu auau me Pix mā roto i te hanganga o EBANX, kei te tuku mātou i tētahi wheako maeneene me te aunoa ki ā mātou kiritaki e hangai ana ki ngā manakohanga me ngā herenga ā-rohe," te kī aKestas Saulis, te Tumuaki Utu i Nord Security. "Kei te kite kē mātou i tētahi pānga tika ki te moni whiwhi me te tipu o te turanga kaiwhakamahi, me te whakawhānui ake i te urunga atu ki ngā taputapu haumarutanga mamati mō ngā tāngata o Brazil."
Ko Nord Security tētahi o ngā kaiwhakarato VPN matua o te ao. Haunga tana hua rongonui, a NordVPN, he whānuitia te kohinga haumarutanga tukutuku me te tūmataitinga a te kamupene, tae atu ki ngā taputapu pēnei i a NordPass, NordLocker, me NordLayer, he tūāpapa haumarutanga whatunga i whakarewa i tētahi pūtirotiro i hangaia mō ngā pakihi iti me te rahi.
"Mai i te rā i whakarewahia ai, kua tukuna e EBANX a Pix Automático ki ngā kamupene o te ao, ā, e whakaatu ana ngā hua o Nord Security i tōna pūmanawa nui ki te whakanui ake i te turanga kiritaki me te tipu o ngā hoko," te kīa Marie-Elise Droga, te Āpiha Matua o te Moni Whiwhi o EBANX. "Neke atu i te haurua o ngā kiritaki e whakamahi ana i a Pix Automático mā EBANX he kaiwhakamahi hou."
I Brazil, e waru o roto i te tekau ngā kamupene e utu ana mā te Pix mā EBANX he pakihi iti. Ā, e 84% o rātou e whakamahi ana i te tikanga hei hoko pūmanawa, e huaki ana i tētahi mākete hou mō ngā kamupene SaaS (pūmanawa hei ratonga) o te ao i roto i te whenua.
Ka whakakaha ake te pūnaha Pix aunoa i tēnei whai wāhitanga nā te mea ka whakakorea te raruraru o ngā utu ā-ringa, ka whakaitihia ngā whakakorenga, ā, ka māmā ake te matapae i ngā moni whiwhi. "Kei te tere tipu haere te mahi utu auau a Pix i Brazil, ā, kua whakaatu kē i te kaha nui ki te kukume mai i te tini o te tangata me ngā pakihi ki ngā ratonga matihiko e ahu mai ana i te ohaurunga, pērā i ngā papaaho rere me te SaaS," te whakamārama a Droga.
Ko te rāngai tino tere te tipu i roto i te ōhanga matihiko o Brazil
Ko te mākete SaaS i Brazil te mea e tipu tere ana i roto i ngā rāngai matihiko katoa, e hono ana ki te hokohoko ipurangi. E ai ki ngā raraunga mai i te Payments and Commerce Market Intelligence (PCMI) i tātarihia e EBANX, kei te tipu haere tēnei poutū i te 17% ia tau (CAGR 2024–2028). I tēnei tere tere, ko te matapae ka neke ake te mākete SaaS o Brazil i te USD 28 piriona i te tau 2028.
"Kia eke ki tētahi mākete pēnei te rahi, me tuku e ngā kamupene whai tauira pakihi ohaurunga he maha ngā tikanga utu. Kāore he tauira kotahi e pai ana mō te katoa,"te tātaria Droga. I Brazil, ko Pix te kaiārahi o ngā utu tuihono, me te 44% o te hea, engari he tino whai tikanga tonu ngā kāri nama me ngā kāri nama, me te 41%. Hei whakarite i te whānuitanga o te kapinga, i mahi tahi a Nord Security me EBANX ki te tuku atu ki ana kiritaki Brazil te kōwhiringa ki te utu mā te kāri nama, kāri nama rānei.
"Ko te whakapiki ake i te haumarutanga tukutuku i roto i ngā mākete hou pēnei i a Brazil he whāinga nui mā mātou, ā, he mea nui te piriti kua hangaia e EBANX i waenga i ā mātou kiritaki Brazil me te kamupene i roto i tēnei kaupapa," te tāpiri a Saulis.
