Ukukhula kwezinkokhelo zedijithali kuhambisane nokuguqulwa buthule kokukhwabanisa kwezezimali. Lokho okwakuncike kakhulu ekwebiweni kweziqinisekiso noma ekuhlanganisweni kwamakhadi manje kuhlanganisa ubunjiniyela bezenhlalo, ubunikazi bokwenziwa, kanye namathuluzi obuhlakani bokwenziwa akwazi ukwenza ukuhlaselwa kube okukholisayo nokukhuliswayo. Kulesi simo, amabhange, ama-fintech, kanye nezinkampani zibhekene nenselele eyinkimbinkimbi kakhulu: ukuvikela abasebenzisi ngaphandle kokubeka engcupheni isivinini kanye nobulula obuchaza izinkokhelo zedijithali.
Ngokusho kocwaningo olwenziwe yi-Datafolha Institute ngokubambisana ne-Brazilian Forum for Public Security (FBSP), cishe abantu baseBrazil abayizigidi ezingu-24 babe yizisulu zokukhwabanisa kwezezimali okubandakanya i-Pix, amakhadi esikweletu, kanye nama-payment slip phakathi kukaJulayi 2024 noJulayi 2025, okuqoqa ukulahlekelwa okulinganiselwa cishe ku-R$29 billion. Ngaphezu kwalokho, ulwazi oluvela ku-National Strategy to Combat Corruption and Money Laundering (ENCCLA) lubonisa ukuthi abantu baseBrazil abangaphezu kwengxenye sebevele bebhekene nohlobo oluthile lokukhwabanisa kwezezimali.
Namuhla, kunezindlela ezintathu ezichaza kabusha ukuphathwa kwezingozi emkhakheni wezezimali. Ngakolunye uhlangothi, ukukhwabanisa kukhula ngokushesha futhi kushintshile ngokwemvelo, kuqhutshwa ubunjiniyela bezenhlalo kanye nokusetshenziswa kobuhlakani bokwenziwa obukhiqizayo. Ngakolunye uhlangothi, umthetho udinga izinhlelo zokuqapha zesikhathi sangempela, ezisobala, nezihlolwayo. Futhi ekugcineni, ukuzivikela kuya ngokuya kuncika ekuhlakanipheni kokwenziwa kanye nezindlela zokuqinisekisa eziphansi ezikwazi ukuvikela umsebenzisi ngaphandle kokubeka engcupheni ulwazi lokukhokha.
Cabanga ngomthengi othenga ikhofi njalo ekuseni, ngesikhathi esifanayo nasesitolo sekhofi esifanayo. Ngokungazelelwe, ngemva kwemizuzu embalwa, kuvela ukuthenga okunenani eliphezulu, okwenziwe kudivayisi ehlukile futhi edolobheni elihlukile. Ngaleso sikhathi, umbuzo obaluleke kakhulu awusekho "yini iphasiwedi?", kodwa "ingabe lokhu kuziphatha kunengqondo kuleli khasimende?". Lona umngcele omusha wokuvimbela ukukhwabanisa: esikhundleni sokuthembela kuphela kumaphasiwedi noma iziqinisekiso, ubuhlakani bokwenziwa bufunda ukuthi umuntu ngamunye uthenga kanjani ukuze abone ukuthi umuntu okhokhayo kungenzeka ukuthi akayena yena.
Impendulo yemboni ikhomba kumamodeli akwazi ukuhumusha ukuziphatha, hhayi nje ukusebenzisa imithetho echazwe kusengaphambili. Imvamisa yokuthenga, amanani ajwayelekile, izikhathi, indawo, amadivayisi asetshenziswayo, kanye nezinhlobo zezikhungo kungenye yezimpawu ezivumela ukwakhiwa kwamaphrofayili engozi yabathengi aguqukayo. Lapho ukuthengiselana kuphambuka kakhulu kule ndlela, izinhlelo zingabona ukungalingani futhi zihlole izinga lengozi ngaphambi kokugunyaza umsebenzi.
Lolu shintsho luphinde luphendule isidingo sezomnotho. Ngaphezu kokulwa nokukhwabanisa, izikhungo zidinga ukunciphisa lokho okubizwa ngokuthi amaphutha, ukuthengiselana okusemthethweni okwenqatshwa ngenxa yengozi esolwayo. Kumabhange, kuma-fintech, kanye nezinkampani, inselele akuyona nje ukuvimba imisebenzi yokukhwabanisa, kodwa ukwenza lokho ngaphandle kokudala ukungezwani okungadingekile noma ukuthinta ukuguqulwa kwezinkokhelo ezisemthethweni.
Ingcindezi ohlelweni lwe-ecosystem kulindeleke ukuthi ikhule eminyakeni ezayo. Ucwaningo lwe-GlobalData lulinganisela ukuthi ukulahlekelwa okuhlobene nokukhwabanisa nge-Pix kungafinyelela cishe ku-R$11 billion ngonyaka ngo-2028, kuyilapho idatha evela ku-Serasa Experian ikhombisa ukuthi, ngo-2025, kwakunemizamo yokukhwabanisa njalo ngemizuzu emibili kwezentengiselwano zaseBrazil. Kulesi simo, ukuphathwa kwezingozi kuzoyeka ukuba umsebenzi wokuvikela futhi kuzoba yisici esibalulekile sesipiliyoni sezezimali sedijithali.
*U-Rodrigo Rodrigues, i-COO kanye nomsunguli we-Akua
