Isosiyete ya fintech Magie, yashyizeho umufasha w’imari ushingiye ku buhanga bwa AI yashyizwe muri banki y’ikoranabuhanga kuri WhatsApp, yagaragaje iterambere ritangaje hagati ya Kamena na Kanama 2024. Iyi banki yabonye ukwiyongera kwa 190% mu mubare w’abayikoresha mu mezi atatu ashize, ikoresha ubwenge bw’ubukorano (AI) kugira ngo yorohereze ibikorwa by’imari bitabaye ngombwa ko umuntu yinjira muri porogaramu ya banki. Kuva mu ntangiriro za 2024, Magie, yabanje kwibanda ku bakoresha amafaranga menshi, yamaze gukora ibikorwa by’ubucuruzi birenga miliyoni 100 z’amadorari y’Amerika.
Amakuru aturuka muri Santa Catarina
Kubera ko Magie ikomeje kwiyongera muri leta nyinshi zo muri Brezili, yagaragaye cyane muri São Paulo, Rio de Janeiro, Minas Gerais, no mu zindi leta zikomeye. Uru rubuga rwakuruye abantu batandukanye, rwaguze vuba abarukoresha hanze y’ibigo bikomeye by’imari.
Hagati ya Kamena na Kanama, isosiyete ya fintech yazamutse ku kigero cya 288% i Santa Catarina, hiyongereyeho no kugaragaza iterambere ritunguranye mu tundi turere two mu majyepfo nka Paraná na Rio Grande do Sul, hamwe na 212% na 190%. Gahunda yo kwagura iyi porogaramu ku rwego rw'igihugu igamije ko isoko ryo hanze y'akarere ko hagati n'amajyepfo y'igihugu ryemera Magie nk'urubuga rworoshye kandi rworoshye kubona.
Binyuze kuri WhatsApp, abakoresha Magie bashobora guteganya, kureba no kwishyura fagitire—haba binyuze mu ifishi ya banki cyangwa Pix—bakoresheje amabwiriza yoroshye yo kwandika, amajwi, cyangwa amashusho, ndetse bagakoresha ijambo ry'ibanga gakondo kugira ngo bongere umutekano. Ubu buryo bukuraho ingorane nyinshi ziboneka muri porogaramu zisanzwe za banki.
“Turimo guhindura uburyo abantu bacunga imari yabo, tworoshya inzira z’amabanki kugira ngo zirusheho kuba nziza nk’uko kohereza ubutumwa ku nshuti,” uyu ni Luiz Ramalho, Umuyobozi Mukuru wa Magie. “Intego yacu ni ugushyira mu bikorwa demokarasi mu kugera kuri serivisi nziza z’imari, hamwe n’uburyo abakiriya bacu bakwiye bworoshye kandi bafite umutekano.”
Byongeye kandi, isosiyete ya fintech ifite gahunda ikomeye yo kwagura imikorere yayo y'imari, kandi binyuze muri Open Finance, igamije guhuza n'andi mabanki. Fintech nayo imaze gushora imari nyinshi mu mutekano. Urugero, uyu munsi, yamaze kwemeza ko amagambo y'ibanga y'abakoresha adafatwa mu biganiro bya WhatsApp kandi ikoresha uburyo bukomeye bwo kurinda kugira ngo irinde umutekano w'ibikorwa bya banki. Vuba aha, igomba kandi gushyiramo uburyo bwo kumenya isura.
Umutekano w'ibikorwa
Magie ishyira imbere umutekano mu bikorwa byose bikorwa binyuze kuri WhatsApp. Dukoresha ibintu bigezweho nko kurinda ijambo ry'ibanga mu bikorwa bitandukanye na chat, ndetse n'imikorere ya biometric na chat muri WhatsApp. Ndetse no mu gihe habayeho kwibwa nomero cyangwa kwibwa telefoni zigendanwa, ibikorwa kuri Magie biguma mu mutekano, bigamije kwemeza ko nyir'ubwite ari we wenyine ushobora gukora ibikorwa by'imari.
Amafaranga yinjijwe muri Magie
Uretse koroshya ibikorwa, Magie itanga inyungu ya 100% bya CDI (Brasil Interbank Deposit Certificate) buri munsi, nta bindi bikorwa bisaba. Inyungu ibarwa kandi ikavugururwa mu buryo bwikora mu mafaranga ari kuri konti, bigatanga imicungire y’imari ihuriweho kandi ifatika.
