Brezili yabaye igipimo ngenderwaho ku isi yose mu guhanga udushya mu rwego rw'imari. Gutangiza Pix mu 2020 byari ibihe byiza: byatumye habaho kohereza amafaranga ako kanya ku buntu amasaha 24 ku munsi, bisimbura ingeso za kera nko gukoresha amafaranga, TED (kohereza amafaranga hakoreshejwe ikoranabuhanga), cyangwa impapuro za banki. Ubu, nyuma yo kugera kwa Drex, verisiyo y'ikoranabuhanga yatanzwe na Banki Nkuru, igihugu cyacu kirimo kwitegura indi mpinduka, ituje gato, ariko igifite ubushobozi bwo kugira ingaruka zikomeye ku rugendo rwacu rw'imari.
Drex, irimo gutegurwa nk'ifaranga ryemewe rya elegitoroniki muri Brezili, si "version ya virtual" y'ukuri gusa, nk'uko benshi babyibwira. Ni ibikorwa remezo bishingiye ku ikoranabuhanga rya "distributed ledger" (blockchain) rizafasha mu masezerano y'ikoranabuhanga, umutekano mwinshi, n'amahirwe mashya yo kwikora mu bikorwa by'imari. Bitandukanye na Pix, yohereza agaciro hagati ya konti za banki gusa, Drex yemerera ifaranga ubwayo kugira amategeko ashobora gutegurwa, bifungura amahirwe yo guhanga udushya mu nzego nko mu nguzanyo, ubwishingizi, kwishyurana mu buryo buteganye, n'ibindi byinshi.
Uko sisitemu y'ifaranga rya elegitoroniki igenda itera imbere, Banki Nkuru irateganya gushimangira politiki z'umutekano no kurinda amakuru y'abakoresha. Iyi ngamba ni ngombwa cyane, bitewe n'uko amakuru agaragaza ko Drex yamaze gutunganya ibikorwa by'igerageza bya miliyari 2 z'amadolari y'Amerika bitarenze Ukuboza 2024, aho habanje kwitabira ibigo by'imari 20. Bitarenze 2025, ikizere ni uko uyu mubare uzarenga miliyari 50 z'amadolari y'Amerika, hamwe n'ubufatanye bw'amabanki arenga 100 n'ibigo by'imari. Nk'uko ubushakashatsi bwakozwe na Swiss Capital bubigaragaza, ikoreshwa rya Drex rishobora kugabanya ikiguzi cy'imikorere y'ibigo by'imari kugeza kuri 40%, bitewe no gukuraho abahuza mu bikorwa no gukoresha amasezerano y'ikoranabuhanga.
Ingaruka za buri munsi
Hamwe no guhuza Pix na Drex, abaguzi bazashobora kugira ubunararibonye mu by'imari burushijeho kuba bwiza. Tekereza kwishyura ubukode bwa buri kwezi binyuze mu masezerano y'ubukode yimura amafaranga ku itariki ntarengwa, cyangwa kubona inguzanyo ako kanya ifite ingwate zateguwe binyuze muri Drex. Ubuyobozi buzasimburwa n'imikorere y'ikoranabuhanga, kandi icyizere ntikizongera gushingira ku nzego z'ubuhuza gusa.
Byongeye kandi, ndizera ko ifaranga rya digitale rishobora kuba inshuti ikomeye mu bijyanye no gushyira mu bikorwa imari. Pix yamaze gutera intambwe za mbere muri uru rwego, itanga uburyo bworoshye bwo kwishyura ku baturage babarirwa muri za miriyoni badafite amabanki bo muri Brezili. Drex ishobora kwagura ubu buryo bwo kwishyura ikemerera abahanga mu by'imari n'ibindi bigo gukora ibicuruzwa byoroshye, byihariye kandi bifitiwe umutekano, hifashishijwe ubushobozi bw'amasezerano y'ikoranabuhanga no kwegereza abaturage ubuyobozi.
Birumvikana ko atari ibintu byose bishimishije. Gushyira amafaranga mu buryo bw'ikoranabuhanga mu buryo bwuzuye bitera ibibazo by'ingenzi ku bijyanye n'ubuzima bwite bw'umuntu, kugenzura leta, n'umutekano w'amakuru. Hari kandi ibyago byo kwirukanwa mu buryo bw'ikoranabuhanga, cyane cyane ku bantu bafite ubushobozi buke bwo kugera ku ikoranabuhanga cyangwa interineti. Bizaba ingenzi cyane ko Drex iba nziza kandi iboneka ku bantu benshi, kandi ko politiki za leta zijyana no kuyishyira mu bikorwa hibandwa ku burezi bw'imari n'ikoranabuhanga.
Brezili iri ku isonga mu mpinduka mu mikorere y’imari yayo. Kubera ko Pix yamaze gushinga imizi kandi Drex irimo gutera imbere, turimo kwerekeza ku rusobe rw’ibinyabuzima aho amafaranga azaba meza, akagira imikorere myiza, kandi akaba ari yo atuma abantu bose barushaho kuba benshi. Ariko, kugira ngo uru rugendo rugende neza bizaterwa n’ubushobozi bwo guhuza udushya n’inshingano, tukareba ko inyungu z’iki gihe gishya zigera kuri buri wese.
Renan Basso ni umwe mu bashinze akaba n'umuyobozi w'ubucuruzi wa MB Labs, isosiyete izwi cyane mu bujyanama no guteza imbere porogaramu na porogaramu za elegitoroniki. Afite akazi gakomeye mu ishami ry'ikoranabuhanga, afite impamyabumenyi mu ikoranabuhanga yakuye muri PUC Campinas n'impamyabumenyi y'ikirenga yakuye muri DeVry Educational Brazil, Basso ni inzobere mu ikoranabuhanga, injeniyeri wa porogaramu, akaba n'umuhanga mu guteza imbere sisitemu ku bigo binini. Ni inzobere mu kubaka ikoranabuhanga mu nganda z'imari na porogaramu zikomeye. Ubunararibonye bwe bwinshi mu ikoranabuhanga n'imari bugamije guteza imbere udushya no guhanga ibisubizo ku bahanga mu by'ikoranabuhanga.
