Umunsi w’Ababyeyi wa 2026, wizihizwa ku ya 9 Kanama, uri mu bihe bikomeye byo kugurisha mu gice cya kabiri cy’umwaka ku bacuruzi. Ibitekerezo bya CNDL/SPC Brasil bigaragaza ko abaguzi miliyoni 106.3 biteganijwe ko bazagura kuri iyo tariki, bigasubiramo uko byari bimeze mu mwaka ushize, aho icyo gihe cyinjije miliyari 27 z’amadolari y’Amerika, nk’uko ubushakashatsi bwakozwe na IBEVAR (Ikigo cy’Abayobozi b’Ubucuruzi cyo muri Brazil) ku bufatanye na FIA Business School bubigaragaza.
Imyitwarire yo mu 2025 igaragaza aho uyu mubare w’ibicuruzwa wibanda. Nk’uko Cielo Expanded Retail Index (ICVA) ibivuga, mu cyumweru cy’iyo tariki, cyabazwe hagati ya tariki ya 4 na 10 Kanama, inyungu ku bucuruzi yiyongereyeho 5.9% ugereranije n’igihe nk’icyo mu 2024, bitewe n’ubucuruzi bwa elegitoroniki, bwazamutseho 8.9%, mu gihe kugurisha imbonankubone byazamutseho 5.2%.
Mu yandi magambo, umuguzi kuri iyi tariki atangira urugendo rwe rw'ikoranabuhanga kandi akarangiza kugura mu buryo butandukanye. Kugira ngo ibi bihinduke iterambere, ubucuruzi bugomba kurenga imicungire y'ibikoresho. Muri iki gihe, impuguke zigaragaza ingamba z'imikorere zishyigikira ubucuruzi kandi zigatuma abakiriya bagumana ubudahemuka, cyane cyane mu matariki ahuze.
- Guhuza ibikoresho binyuze mu ikoranabuhanga:
Gushyigikira imiryango y’ingano n’amashami yose – kuva ku bucuruzi n’inganda kugeza ku bicuruzwa bicuruzwa n’ubucuruzi bwo kuri interineti – nstech, ikigo kinini cyane muri Amerika y’Epfo gishinzwe gutanga serivisi z’ikoranabuhanga, cyibanda ku guhuza imiterere y’ibicuruzwa byose kugira ngo habeho umusaruro ugaragara, cyane cyane ku matariki yo kwibuka nk’umunsi w’ababyeyi. Nk’uko Helena, Umuyobozi w’Ubucuruzi muri nstech abivuga, gutegura iyi tariki bisaba kwitabwaho cyane ku kwiyongera kw’abaguzi, kandi guhindura imikorere kugira ngo ihuze n’ibyo bakeneye ni cyo kintu cy’ingenzi gitandukanya.
“Mu bucuruzi bwo kuri interineti bwo muri Brezili, urugero, igihe cyo kohereza no gutanga ibicuruzwa gishobora kuba kirenga 70% by'amagare yo guhaha yasizwe. Kandi si mu rwego rw'ikoranabuhanga gusa: mu maduka asanzwe, igihe cyo kwizihiza Umunsi w'Ababyeyi gishyira igitutu ku kongera gukusanya no kubura ibicuruzwa, kandi ibicuruzwa byatakaye kubera kubura ibicuruzwa mu gihe gikwiye ntibigaruka. Muri izo nzira zombi, impamvu nyamukuru ni imwe: igikorwa kitabona ibikoresho n'ubwikorezi mu gihe nyacyo. Ku itariki ikomeye nk'umunsi w'Ababyeyi, iki gihombo cy'amafaranga kigabanuka. Kongera ibikoresho byawe ku itariki y'igihembwe ntabwo bikemura ikibazo: ikigaragaza abahindura ibicuruzwa ni ubushobozi bwo guhuza ibicuruzwa, ibikoresho, n'ibikorwa mu gihe nyacyo, gusezeranya igihe cyo gutanga ibicuruzwa gihenze kandi cyizewe, no kubisohoza. Abahuza ibikorwa bahindura ibikoresho mo ingingo yo kugurisha. Abadahuza ibicuruzwa batakaza ibyo batumiza mbere yo kwishyura,” uyu muyobozi aravuga.
- Gutanga uburyo butandukanye bwo kwishyura kugira ngo wirinde gutakaza igurishwa mu mpera z'umunsi
Kubera ibikorwa bitandukanye kuva ku ba rwiyemezamirimo ku giti cyabo kugeza ku bacuruzi banini mu gihugu, Cielo ivuga ko gutanga uburyo butandukanye bwo kwishyura bitakiri ikintu gitandukanya ahubwo ari itegeko ryo guhindura ibicuruzwa mu gihe cy’ibicuruzwa byinshi. Uretse kongera amahirwe yo guhindura ibicuruzwa, uburyo butandukanye bwo guhitamo butuma Cielo ibasha kwita ku mibare itandukanye y’abaguzi, ingeso zabo zo kugura, n’ibyo bakeneye mu by’imari. Nk’uko byagaragajwe n’ubushakashatsi bwa Cielo ku bijyanye n’imikoreshereze y’amakarita y’inguzanyo, Pix na karita z’inguzanyo bihuzwa no kugura imbonankubone, buri kimwe kigera kuri 57%, kandi imyitwarire ihinduka bitewe n’agaciro: Pix iyobora kugura buri munsi, mu gihe karita z’inguzanyo ziyobora mu kugura ibintu bifite agaciro gakomeye, aho kwishyura mu byiciro ari ikintu cy’ingenzi mu gufata icyemezo. Mu by’ukuri, ibi bivuze kwakira Pix binyuze mu kwishyura ukoresheje contactless na QR Code, amakarita ya debiti, amafaranga yo kwishyura mu buryo bwa digitale, na credit mu byiciro, kugira ngo byorohereze umukiriya kandi birinde gutakaza ibicuruzwa kubera kubura uburyo bwo kwishyura bakunda.
Intambwe ikurikiraho ni ukwagura ibikorwa kugeza ku miyoboro aho umukiriya asanzwe avugana n'iduka. Umurongo wo kwishyura ufite 3DS authentication usoza igurisha mu kiganiro cya WhatsApp cyangwa Instagram ubwacyo, hamwe n'umutekano w'urubuga rusanzwe rw'ubucuruzi bwa elegitoroniki kandi nta kohereza umukiriya ku rubuga rutandukanye iyo igihe cyo kugura kirangiye. Adriana Garbim, Visi Perezida w'Ubucuruzi wa Cielo, agira ati: “Mu cyumweru gibanziriza itariki, umucuruzi ntakunze gutakaza igurisha kubera kubura inyungu; bararitakaza bitewe n'amakimbirane mu gihe cyo kwishyura.” “Abatanga Pix, debit, credit mu byiciro, n'amakuru yo kwishyura bashobora kuzuza ibyo bishakiye bitandukanye byo kwishyura no kongera ubushobozi bwo guhindura ibicuruzwa, nta gukenera guhindura amaduka.”
- Ubunararibonye mu kirango kugira ngo ukomeze imikoranire mu gihe cyo kugurisha:
Gukora ubunararibonye bujyanye n'ibyo umuntu akora mu maduka byavuye ku kuba ikintu gitandukanye mu gukurura no kugumana abakiriya mu bihe byo guhaha cyane, hatitawe ku bunini bw'ubucuruzi. Muri iki gihe, ikirango cy'ibidukikije n'igishushanyo mbonera cy'ubunararibonye birimo kwiyongera—byongeraho amahame yahumetswe n'imiterere y'imikorere y'ubwonko kugira ngo gusura aho bagurisha birusheho gukurura no gukomeza isano iri hagati y'umuguzi n'ikirango. Hamwe n'ubuhanga buhuriweho mu kumenyekanisha ikirango, itumanaho, n'ahantu ho gukorera, DEA Design ishyigikira ko ibidukikije bifatika bigomba gutegurwa mu buryo bw'ingamba, bigaragaza umwirondoro w'ikirango kandi bigatanga umusanzu mu guhaha mu buryo bwihuse kandi butazibagirana, cyane cyane mu minsi mikuru.
“Abaguzi ntibashobora gusobanura impamvu bumvaga bameze neza mu iduka, ariko iyi myumvire igira ingaruka ku buryo butaziguye ku bunararibonye bwabo. Iyo ahantu hagaragaza neza icyo ikirango gisezeranya mu birori bidasanzwe nk’umunsi w’ababyeyi, bitera icyizere kandi bigakomeza umubano n’umukiriya. Ariko, iyo hari ukudahuza hagati y’ibidukikije n’aho biherereye, ubunararibonye butakaza imbaraga. Kubwibyo, ibidukikije by’ikirango bigomba gufatwa nk’ingamba zo kongera aho biherereye, bishobora gutuma habaho umubano urambye n’abaturage,” nk’uko bivugwa na Silvia Kanayama, umuyobozi akaba n’umufatanyabikorwa muri DEA Design.
- Ubushakashatsi ku makuru mu gukumira uburiganya bwo kwishyura
Mu gushyigikira abacuruzi n'ibikorwa by'ubucuruzi bwo kuri interineti, Quod, ikigo cy’ikoranabuhanga mu ikoranabuhanga, cyihariye mu bumenyi bw’amakuru, kirimo gushingira ku isesengura ry’igihe nyacyo kugira ngo gikoreshwe mu buryo bwizewe kandi nta gushwanyagurika mu bucuruzi. Nk’uko Danilo Coelho, Umuyobozi w’Ibicuruzwa n’Amakuru muri Quod abivuga, ibirori bikomeye by’ubucuruzi, nko ku munsi mukuru w’ababyeyi, bitanga umusaruro ukomeye mu bucuruzi mu gihe gito, bigateza imbere uburiganya kandi bigasaba ikoranabuhanga rikomeye ku ruhande rw’abacuruzi.
“Mu minsi mikuru, hari igitutu cyo kwemeza ibicuruzwa vuba, ariko abacuruzi ntibashobora gutandukanya abakiriya beza n’amategeko akaze cyane yo kurwanya uburiganya cyangwa ibintu bitari byo. Itandukaniro rikomeye riri mu gusesengura amakuru y’ibikorwa remezo hamwe n’ubuhanga bwo gusesengura mu gihe nyacyo kugira ngo hamenyekane imyitwarire iteye amakenga ku muvuduko isoko risaba, kurengera inyungu z’ubucuruzi no kubungabunga ubunararibonye bw’abakiriya,” uyu muyobozi aravuga.
- Serivisi ikora kandi yihariye ku bakiliya hamwe n'ubuhanga bwo gukora imibonano mpuzabitsina (AI)
Inzobere mu bucuruzi bw’ikoranabuhanga n’amasoko, Loopia yibanda ku gukoresha serivisi z’abakiriya mu buryo bwikora nk’ingamba zo kongera umubare w’abaguzi no koroshya ingendo zo kugura mu bihe by’umwaka nk’umunsi w’ababyeyi. Uru rubuga rushyira ubutumwa buva kuri interineti nka WhatsApp, imbuga nkoranyambaga, n’amasoko ahantu hamwe, kandi rukoresha ubuhanga bwarwo bwo gukora imibonano mpuzabitsina, Luna, kugira ngo rusobanukirwe uko umuguzi ahagaze, rumenye ibyo agamije kugura, kandi rutange inama ku bicuruzwa mu buryo bwihariye.
Nk’uko Tiago Vailati, Umuyobozi Mukuru wa Loopia abivuga, imbogamizi ikomeye ku bacuruzi mu gihe cy’iminsi mikuru ni ugusubiza abakiriya vuba badatakaje uburyo bwabo bwo kubagira. Yagize ati: “Iyo umukiriya abonye icyifuzo gihuye n’imiterere y’uwahawe impano kandi ikibazo cye kigasubizwa mu masegonda make, icyemezo cyo kugura kiba cyoroshye cyane. Mu gihe cy’ubusabe bwinshi, umuvuduko n’uburemere bigira ingaruka zitaziguye mu guhindura ibicuruzwa.” Iyi sosiyete ivuga ko igisubizo gisubiza mu masegonda atarenze 30, kigakemura 92% by’ubusabe mu buryo bwigenga, kandi cyongera igipimo cyo guhindura ibicuruzwa ku bacuruzi kugeza kuri 50%.
