Isoko ry'imari rya Amerika ryateye intambwe ikomeye mu iterambere ry'uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga, aho hasohotse ANSI X9.150, umurongo mushya wo gukoresha neza uburyo bwo kwishyurana hakoreshejwe QR-code. Yashyizweho na Komite yemewe y'Ubuziranenge X9, umuryango ushinzwe amahame ngenderwaho ya tekiniki y'urwego rw'imari rwa Amerika, ayo mahame ashyiraho umurongo ngenderwaho uhuriweho ku mabanki, ibigo by'imari, n'abatanga serivisi zo kwishyurana kugira ngo batangire ibikorwa mu buryo buhuriweho, hatitawe ku buryo amafaranga akoreshwa.
Ishyirwa ahagaragara ry’iri hame ribaye mu gihe isoko rya Amerika ririmo kwagura ishoramari ryaryo mu kwishyura ako kanya. Nubwo risanzwe rifite ibikorwa remezo nka FedNow, ikorerwa na Federal Reserve, n’umuyoboro wigenga wa RTP (Real-Time Payments), abantu batandukanye mu bijyanye n’imari baracyakora bafite ubunararibonye butandukanye n’uburyo bwo guhuza. ANSI X9.150 irashaka kugabanya neza uku gucikamo ibice binyuze mu gushyiraho ishingiro rusange ryo guhanahana amakuru hagati y’ibisubizo bitandukanye byo kwishyura. Mu by’ukuri, iri hame ryemerera kwishyura byatangijwe na QR Code gutunganywa n’ibigo by’imari bitandukanye n’ikoreshwa ryabyo, bigatuma habaho ubunararibonye bumwe ku baguzi n’abacuruzi. Ibi, ibisubizo bitandukanye bitangira "kuganira" hagati yabyo binyuze mu buryo bumwe bwa tekiniki, bigabanya inzitizi zo guhuza no koroshya ubunararibonye bwo kwishyura.
Ku baturage bo muri Brezili, iki kibazo si gishya. Mbere yo guhuza Pix, porogaramu zitandukanye n'amaporogaramu byakoreshaga kode zazo zo kwishyura, zitari zisanzwe zemerwa hagati yazo. Byari bisanzwe biterwa n'igisubizo cyafashwe n'ikigo kugira ngo kirangize kugura. Ibi byatangiye guhinduka ubwo guhuza Pix, byatumye bishoboka gukoresha porogaramu umuguzi akunda mu kigo icyo ari cyo cyose gihuye. Nubwo hari itandukaniro hagati y'amasoko yombi, ANSI X9.150 irashaka gukemura ikibazo nk'icyo muri Leta Zunze Ubumwe za Amerika binyuze mu kwagura imikoranire hagati y'abantu batandukanye mu rwego rw'imari.
Ni muri urwo rwego isosiyete yo muri Brezili yitwa Matera yagize uruhare mu iterambere ry’ibisobanuro. Itsinda rya X9 ryari rishinzwe gutegura ibi bipimo ryari riyobowe na Sarah Hoisington, Umuyobozi Mukuru wa Matera muri Amerika y’Amajyaruguru, rihuza abahagarariye amabanki, ibigo by’imari, n’ibigo by’ikoranabuhanga kugira ngo basobanure ibipimo ngenderwaho bihuriweho kuri ubu buryo bwo kwishyura. “Isoko rya Amerika rihuza ibikorwa remezo bitandukanye byo kwishyura byagiye bihinduka byigenga mu myaka yashize. ANSI X9.150 irema ururimi ruhuriweho hagati y’izi sisitemu, ikagabanya inzitizi zo guhuza no kwemerera ibisubizo bishya gukorana kuva ku gitekerezo cyabyo. Ni intambwe y’ingenzi mu koroshya uburyo abantu batandukanye bitabira isoko ry’imari bahuza,” Sarah agira ati.
Kuri Carlos Netto, Umuyobozi Mukuru wa Matera, ishyirwa ahagaragara ry’iri hame rigaragaza ko imikoranire itagikomeje kuba ikiganiro cy’ibanze kandi ko yabaye imwe mu nkingi zikomeye z’iterambere ry’uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga mu masoko atandukanye. “Brezili yagaragaje ko imikoranire irenze kure ikibazo cy’ikoranabuhanga. Yoroshya ubunararibonye bw’abakoresha, yongera amahirwe yo guhanga udushya, kandi igashyiraho ibidukikije byiza ku bakiriya, ibigo by’imari n’ibigo by’ikoranabuhanga. Kubona ubunararibonye bwinshi ku isoko rya Brezili butanga umusanzu mu kubaka ibipimo mpuzamahanga bishimangira ko iki ari ikibazo gihuriweho n’ibihugu bitandukanye kandi ko ubufatanye hagati y’isoko, inganda, n’inzego zishinzwe kugenzura imikorere y’ikoranabuhanga buzarushaho kuba ingenzi mu iterambere ry’uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga,” nk’uko uyu muyobozi abigaragaza.
Gusohora ANSI X9.150 bigaragaza indi ntambwe urwego rw’imari rutera mu buryo bwo kwishyurana bushoboka. Mu gushyiraho uburyo amakuru asangizwa hagati y’abitabiriye amahugurwa atandukanye, ibi bigabanya uburyo bwo guhuza ibikorwa, byoroshya iterambere ry’ibisubizo bishya, kandi bigashyiraho uburyo bwo kwagura udushya ku buryo buhuriweho. Kuri Matera, kwitabira iyi gahunda bishimangira ubwitabire bwayo mpuzamahanga mu guteza imbere ibisubizo by’ikoranabuhanga ku isoko ry’imari kandi bigaragaza uburyo ubunararibonye bwubatswe n’iyi sosiyete muri rumwe mu nzego zigezweho ku isi mu kwishyurana bwagize uruhare mu bikorwa by’ingenzi mu yandi masoko.
