Isikhathi esiholela osukwini loBaba luka-2025 siphakamisa isexwayiso kubathengi namabhizinisi kwezentengiselwano ze-inthanethi zaseBrazil. Ngokusho kocwaningo olungakaze lubonwe yiSerasa Experian, inkampani yokuqala nenkulu kunazo zonke ye-datatech eBrazil kanye nomholi ezixazululweni zokulwa nokukhwabanisa, cishe izehlakalo zokuzama ukukhwabanisa ezingu-90,000 (87,557) zaqoshwa kumasayithi ezentengiselwano ze-inthanethi phakathi kukaJulayi 27 no-Agasti 10, izinsuku eziyishumi nanhlanu ngaphambi kweholide. Lesi sibalo silingana nezehlakalo ezingaba ngu-6,000 ngosuku noma umzamo owodwa njalo ngemizuzwana eyi-15.
Leli nani limele cishe u-4% wazo zonke izigameko zokukhwabanisa eziqoshwe kulo lonke u-2025, okuqinisa indlela amaholide akhangayo kwezentengiselwano angasetshenziswa ngayo yizigebengu, ezisebenzisa ithuba lokwanda kokuthenga ku-inthanethi, ukusesha ukukhushulwa, kanye nokuphuthuma kwabathengi ekukhetheni izipho. Ingozi yokukhwabanisa ebonwe phakathi naleso sikhathi yayingu-1.1%, okusho ukuthi kuzo zonke izinkokhelo eziyi-100 ezihlaziywe kwezentengiselwano ze-e-commerce, okungaphezu nje kweyodwa kwabonisa izimpawu zokuzama ukukhwabanisa.
“Amaholide athuthukisa ukuthengiswa kwedijithali futhi adala amathuba abalulekile kumabhizinisi nakubathengi, kodwa futhi andisa ukuchayeka ekukhwabaniseni nasekukhwabaniseni. Abakhwabanisi bavame ukusebenzisa ithuba lokufinyelela okuphezulu, ukushesha ukuthenga, kanye nokufuna amadili ukuze bazame ukudlula izinhlelo zokuphepha. Ngakho-ke, ukuvimbela kudingeka kube khona kulo lonke uhambo, kusukela ekuhlonzeni komsebenzisi kuya ekuvunyelweni kokuthengiselana,” kusho uRodrigo Sanchez, uMqondisi Wokuqinisekisa Nokuvimbela Ukukhwabanisa kwaSerasa Experian.
Ngaphezu kwenani lezehlakalo, inhlolovo ikhombisa ukuthi imizamo yokukhwabanisa yayinenani eliphakeme elimaphakathi kunokuthenga okusemthethweni. Intengo emaphakathi yamathikithi okukhwabanisa yayingu-R$ 989.83, kanti eyezentengiselwano ezisemthethweni yayingu-R$ 547.53. Umehluko ubonisa ukuthi imizamo yokukhwabanisa yayinenani eliphakeme ngo-80.8%.
Bheka amathiphu avela ku-Serasa Experian kubathengi ukuze bagweme ukukhwabanisa ekuthengeni okuku-inthanethi:
• Qaphela okunikezwayo okunamanani angaphansi kakhulu kwesilinganiso semakethe;
• Qinisekisa ukuthi iwebhusayithi noma uhlelo lokusebenza lungolwesitolo esisemthethweni ngempela;
• Gwema ukuchofoza izixhumanisi ezitholwe nge-SMS, i-imeyili, izinhlelo zokusebenza zemiyalezo, noma izinkundla zokuxhumana;
• Hlola idumela lesitolo ngaphambi kokufaka ulwazi lomuntu siqu noma lwasebhange;
• Sebenzisa amakhadi abonakalayo ekuthengeni ku-inthanethi noma nini lapho kungenzeka;
• Ungabelani ngamaphasiwedi, amakhodi okuqinisekisa, noma imininingwane yekhadi;
• Qapha i-CPF yakho (i-Brazilian taxpayer ID) njalo ukuze uthole umsebenzi osolisayo.
Hlola lezi zincomo zezinkampani zokuqinisa ukuphepha kwazo kwedijithali:
• Tshala imali ezixazululweni zokuvimbela ukukhwabanisa ezihlukene;
• Hlanganisa ukuhlaziywa kokubhalisa, ubuqiniso, i-biometrics, ukuqinisekiswa kwedokhumenti, kanye nobuhlakani bedivayisi;
• Qapha ukuziphatha okusolisayo kulo lonke uhambo lokuthenga;
• Buyekeza imithetho yokulwa nokukhwabanisa ngaphambi kwamaholide kanye nezikhathi zomgwaqo eziphakeme kakhulu;
• Nciphisa ukungezwani kwamakhasimende asemthethweni ngaphandle kokubeka engcupheni ukuphepha;
• Sebenzisa idatha nobuchwepheshe ukuze ubikezele izingozi futhi uvikele ukuthengiselana ngesikhathi sangempela.
