Bitewe n’ubwiyongere bw’ubusabe bw’ibisubizo by’imari bigezweho kandi byihariye, isoko ry’ikoranabuhanga muri Brezili na Amerika y’Epfo ririmo gutera imbere. Nk’uko ubushakashatsi buherutse gukorwa na Distrito, akarere ka Amerika y’Epfo gatuwe n’ibigo bishya bigera ku 2,700 bitanga serivisi z’imari, muri Brezili hinjijwe 58% by’ibi byose, bingana n’ibigo bishya bigera ku 1,600. Muri uru rwego, urwego rw’ubucuruzi rw’ubucuruzi nirwo rugaragara cyane, rungana na 35.91% by’ibigo bishya, mu gihe SaaS ifite umwanya munini na 34.22%, bigaragaza ko hakenewe ibisubizo by’ikoranabuhanga bikura kandi binoze.
Iyi miterere y’iterambere ryihuse yatumye habaho ibigo bishya bya fintech bitanga ibisubizo ku bibazo bikomeye byo kwishyura, nko gutegura no kugura. By’umwihariko, Brezili yubatse nk’ihuriro ry’ibi bishya, aho ibigo bishya bitegura ikoranabuhanga rinoza imikorere no kugabanya uburiganya, bikoroshya guhuza serivisi nyinshi mu buryo bumwe.
Muri izi sosiyete zikora ibijyanye n’ikoranabuhanga, Tuna Pagamentos, yashinzwe mu 2020 n’abahoze ari abayobozi ba Peixe Urbano na Groupon Latam, yagaragaye cyane. Iyi sosiyete itanga uburyo bwinshi bwo gutanga serivisi zo kwishyura no kurwanya uburiganya, igahindura serivisi zayo hakurikijwe ibyo buri mukiriya akeneye. Alex Tabor, Umuyobozi Mukuru wa Tuna, agira ati: "Iterambere muri uru rwego ryakuruye amasosiyete manini mu bucuruzi, ubucuruzi bwo kuri interineti, n’izindi nzego, zishaka kunoza imikorere yazo y’imari binyuze mu buryo bwo kwishyura bwunguka cyane."
Icyerekezo cy’uru rwego mu gihe kizaza kirimo icyizere. Igitekerezo ni uko isoko ry’ibigo bishya mu by’imari rizakomeza gukura muri Amerika y’Epfo, bitewe n’ikoranabuhanga ryihuta ndetse no gukenera serivisi z’imari zihariye kandi zinogeye abantu bose. Ibi bigo bigira uruhare runini mu guhindura urwego rw’imari, guteza imbere ubufatanye no gushimangira ubukungu bushingiye ku ikoranabuhanga mu karere.
Uretse ingaruka zabo mu bukungu, abahanga mu by'imari n'ikoranabuhanga bafite uruhare runini mu mibereho myiza y'abaturage. Mu 2023, Brezili yarenze konti za banki miliyari 1.2 zikora, ikaba ari ukwiyongera kwa 14.2% ugereranije n'umwaka ushize, bigaragaza ko 89.8% by'Abanyabrezili bafite ubwoko runaka bw'imikoranire mu mabanki, nk'uko byatangajwe na Idwall Digital Experience Ranking, na Index ku bufatanye n'ikigo cy'ubujyanama cya Cadarn.
Uku kwiyongera kw'ibi bikorwa kandi bikomeza no mu buryo bwo kwishyura bucungwa n'ibigo bishya bitegura ibyo bikorwa. Ubu buryo bwo gucunga butuma kugura ibintu birushaho kuba byiza. Ubundi buryo nko kwishyura mu byiciro binyuze kuri PIX no kwishyura mu byiciro binyuze kuri banki, urugero, butuma abaguzi barushaho gutegura neza imari yabo, birinda kwigwizaho imyenda.
Bityo, kwaguka kwa serivisi nko kugura ibintu byinshi no kwishyurana bishyira isoko ry’ikoranabuhanga mu myaka iri imbere, bigatanga ibisubizo bihuye n’ibyo ubucuruzi n’abaguzi ba nyuma bakeneye.
Uburyo aya masosiyete ahura n’ibibazo birenze koroshya imikorere ya buri munsi y’ubucuruzi. Akora nk'ibindi bisimbura ibigo bisanzwe bya banki, aya masosiyete mato agira uruhare runini mu guhindura imiterere y’imari n’imibereho myiza y’abaturage. Uretse gushyira imbaraga mu guhangana ku isoko, amasosiyete y’imari n’ikoranabuhanga yanagura uburyo bwo kubona inguzanyo, cyane cyane binyuze mu gutanga inguzanyo nto ku ba rwiyemezamirimo bato n’abantu ku giti cyabo bari barakuwe muri gahunda y’amabanki.
Ubushakashatsi bwakozwe na Letícia Ferrarini, bwatanzwe mu nama y’amategeko y’ubucuruzi n’ubwenegihugu ya Ibero-Amerika, bushimangira uru ruhare ruhuriweho n’abahanga mu by’imari. Ubu bushakashatsi bugaragaza uburyo inzira yo gusubiza inyuma ukwishyira ukizana mu by’imari no kwiyongera kw’abantu bo mu byiciro by’imibereho bidafite amahirwe menshi mu micungire y’imari bigira uruhare mu iterambere ry’ubukungu bwa Brezili, bityo bigatuma ubuzima bwiza burushaho kuba bwiza.
