Iterambere ry'uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga ryihutishije impinduka zikomeye mu myitwarire y'abaguzi kuri interineti muri Brezili. Ntibitangaje kuba Pix - uburyo bwo kwishyurana ako kanya bwashyizweho na Banki Nkuru ya Brezili mu 2020 - burimo guhuza umwanya wayo nk'uburyo bwiza bwo gukorera mu bucuruzi bw'ikoranabuhanga mu gihugu.
Nk’uko ubushakashatsi bwakozwe "Global Expansion Guide for High-Growth Markets"bubivuga, mu 2027, Pix izaba ihagarariye ibikorwa birenga 50% muri uru rwego, ikaba irenze ikoreshwa ry’amakarita y’inguzanyo, byitezwe ko azaba afite 27% by’ibikorwa.
Mu 2024, ubu buryo bwo kwishyura bwari bumaze kugira uruhare rwa 40% by'ibikorwa mu bucuruzi bwa elegitoroniki bwo muri Brezili. Gukundwa kwayo biterwa n'umuvuduko wayo, imikorere yayo, no kubura amafaranga y'inguzanyo ku bakiriya—ibintu byatumye ikurura cyane abantu badafite banki cyangwa abafite ubushobozi buke bwo kubona serivisi z'imari zisanzwe.
Ishyirwaho ry'udushya nka Pix by Proximity, yashyizwe ahagaragara na Banki Nkuru muri Gashyantare 2025, risezeranya gukomeza kunoza iyi gahunda. Iyi mikorere yemerera abaguzi kwishyura gusa bashyira telefoni zabo hafi y'aho bakwishyura, kimwe no gukoresha amakarita adakoresha ikoranabuhanga, bigatuma ibikorwa byihuse kandi byoroshye.
Hagati aho, ubundi buryo bwo kwishyura burimo kugaragaza itandukaniro ku isoko ryabo. Urugero, ama-wallets yo kuri interineti yari afite 7% by'amafaranga yishyurwa mu bucuruzi bwo kuri interineti mu 2024 kandi biteganijwe ko azaba ari 6% bitarenze 2027. Ku rundi ruhande, ikoreshwa ry'amakarita ya banki rikomeje kugabanuka, aho icyizere cyo kugabanuka kuva kuri 8% kugera kuri 5% muri icyo gihe.
Rebecca Fischer, umwe mu bashinze akaba n'Umuyobozi Mukuru w'Igenamigambi (CSO) wa Divibank, asobanura ko izi mpinduka zigaragaza uburyo abaguzi bo muri Brezili bahujwe n'udushya mu ikoranabuhanga mu rwego rw'imari. Yagize ati: “Gukunda Pix bikomeje kwiyongera bigaragaza uburyo bwo gushaka ibisubizo byo kwishyura neza kandi byoroshye, bigaragaza impinduka zikomeye mu myitwarire yo guhaha kuri interineti mu gihugu. Ikindi gishya kirimo kwiyongera mu isi y'ubucuruzi bwa elegitoroniki ni Pix by Initiation, yemerera abaguzi kwishyura mu buryo butaziguye igihe cyo kwishyura, badakeneye gukoporora no gupakira kode cyangwa gufungura porogaramu ya banki. Ubu buryo bugenda burushaho kugabanuka bugabanya intambwe mu nzira yo kwishyura kandi, nk'uko impuguke mu nganda zibivuga, bushobora kugira uruhare mu kwiyongera kw'umuvuduko wo guhindura amafaranga, cyane cyane ku bicuruzwa bikorerwa hakoreshejwe terefone zigendanwa.”
