Juspay, ikigo mpuzamahanga gishinzwe ikoranabuhanga ryo kwishyurana gikorera amabanki n'ibigo binini, uyu munsi cyatangaje ubufatanye na Recurly, ikigo gikomeye gishinzwe gucunga ifatabuguzi n'uburyo bwo kwishyura buhora bugaruka. Ubu bufatanye buhuza Hyperswitch, ikoranabuhanga rya Juspay ryo gutunganya uburyo bwo kwishyura buri ku isoko, mu bikorwa bya Recurly, bigatuma abakiriya bayo bagabanya ibibazo byo kwishyura, kubona abatanga serivisi bashya, no gutangiza ibicuruzwa mu buryo bwihuse kandi bugenzura.
Ku bigo bishingiye ku kwiyandikisha, imikorere myiza yo kwishyura igira ingaruka zitaziguye ku kubika amafaranga yinjira. Uburambe bubi bwo kwishyura bushobora kuba itandukaniro hagati yo kugumana umufatabuguzi wizerwa no kumutakaza, kandi ni bwo habayeho ubufatanye kugira ngo iki kibazo gikemuke.
Isoko ry’ubwishyu rihora rigaruka ririmo kwiyongera cyane muri Brezili no ku isi yose. Ubushakashatsi bwakozwe na Betalabs bwerekana ko 74% by’abaguzi bo muri Brezili bamaze kwiyandikisha kuri serivisi imwe ihoraho, kandi ubushakashatsi bwakozwe na Opinion Box bwerekana ko 56% by’Abanyabrezili bakoresha hagati ya R$ 51 na R$ 200 buri kwezi ku kwiyandikisha kuri serivisi zo kureba amashusho, ubunyamuryango bwa siporo, ubwishingizi bw’ubuzima, n’uburezi, n’ibindi byiciro. Hafi kimwe cya kabiri cy’aba bakoresha (48%) barateganya kongera aya mafaranga bitarenze umwaka wa 2030, bikongera uburemere bw’ifatabuguzi mu ngengo y’imari y’umuryango ndetse n’igitutu ku bigo bitanga inzira yo kwishyura idahungabanyije.
Ishingiro ry'ubu bufatanye ni Hyperswitch, yashinzwe kugira ngo ihe ibigo n'amashyirahamwe ububasha bwuzuye ku bikorwaremezo byabo byo kwishyura. Iri koranabuhanga ryemerera guhuza PSP zirenga 300 n'abaguzi ku isi yose, bigatuma Recurly ikoresha uburyo bushya bwo kwishyura ku bakiriya bayo nta nzira zigoye za tekiniki. Recurly ikoresha kandi uburyo bwa Hyperswitch bwo gushyiraho urubuga kugira ngo ihuze kandi icunge abakiriya bayo mu buryo bwa porogaramu, nta kuremerera ibikorwa.
Ku muguzi wa nyuma, umusaruro uba mwiza cyane mu kwishyura hakoreshejwe uburyo bakunda. Ubu bushobozi bushyirwa mu cyiciro kimwe, bigabanyiriza abakiriya ba Recurly igihe cyo kugurisha.
“Ibigo by’ifatabuguzi bikeneye ibikorwa remezo byizewe byo kwishyura byiteguye gukura,” uyu ni Matt Healey, Umuyobozi w’Ubufatanye bw’Ibicuruzwa muri Juspay. “Hamwe na Hyperswitch, dufasha ibi bigo kugabanya amakimbirane mu kwishyura no kwagura amasoko mashya tudakomeje kubaka ibikorwa remezo byabyo byose kuva ku ntangiriro. Ubufatanye bwacu na Recurly buzana ubwo bushobozi mu buryo butaziguye mu micungire y’ifatabuguzi, aho imikorere y’ifatabuguzi ari ingenzi cyane.”
“Guhindagurika no gukora neza ntibishobora kuganirwaho ku bigo bikora ku rwego rw’isi bikoresha ifatabuguzi,” uyu ni Jonas Flodh, Umuyobozi w’Ubufatanye bw’Ingamba muri Recurly. “Mu gushyira muri urubuga rwacu ikoranabuhanga rya Juspay Hyperswitch, duha abakiriya bacu uburyo bwo kwishyurana bukomeye hamwe n’uburyo bwo hejuru butanga inzira yo kwishyurana bushya n’amasoko mashya.”
Ubu bufatanye bushimangira umwanya w’ikigo nk’umufatanyabikorwa wizewe mu bikorwa remezo by’ubwishyu, bufasha imbuga mpuzamahanga koroshya uburyo bwo kwishyura no gutanga ubunararibonye buhoraho ku bakoresha.
