Iqhutshwa yisidingo esikhulayo sezixazululo zezimali ezisheshayo neziqondene nomuntu siqu, imakethe ye-fintech eBrazil naseLatin America iyachuma. Ngokusho kocwaningo lwakamuva lwe- Distrito, indawo yaseLatin America iyikhaya lezinkampani ezintsha ezingaba ngu-2,700 ezinikeza izinsizakalo zezimali, kanti iBrazil igxile ku-58% walesi samba, okulingana nezinkampani ezintsha ezingaba ngu-1,600. Kulesi simo, imodeli yebhizinisi yokuthengiselana ivelele kakhulu, emele u-35.91% walezi zinkampani ezintsha, kuyilapho i-SaaS ithatha isikhundla esibalulekile ngo-34.22%, okubonisa isidingo sezixazululo zobuchwepheshe ezikwazi ukulinganiswa nezisebenza kahle.
Lesi simo esishintsha ngokushesha sikhuthaze ukuvela kwezinkampani ezintsha ze-fintech ezinikeza izixazululo zezinselelo zokukhokha eziyinkimbinkimbi, njengokuhlelwa kanye nokuthengwa kwezinkampani ezincane. Ikakhulukazi, iBrazil izisungule njengesikhungo salezi zinto ezintsha, lapho izinkampani ezintsha zithuthukisa ubuchwepheshe obuthuthukisa ukusebenza kahle futhi bunciphise ukukhwabanisa, okwenza kube lula ukuhlanganiswa kwezinsizakalo eziningi zibe yipulatifomu eyodwa.
Phakathi kwala ma-fintech, i-Tuna Pagamentos, eyasungulwa ngo-2020 ngabaphathi bangaphambilini basePeixe Urbano naseGroupon Latam, ivelele. Le nkampani inikeza inhlanganisela eminingi yabahlinzeki bokukhokha kanye nabamelene nokukhwabanisa, yenza ngezifiso izinsizakalo zayo ngokwezidingo zeklayenti ngalinye. "Intuthuko kule ndawo idonsele izinkampani ezinkulu kwezentengiso, ezentengiselwano ze-inthanethi, kanye neminye imikhakha, ezifuna ukwenza ngcono ukusebenza kwazo kwezezimali ngezixazululo zokukhokha ezinenzuzo kakhulu," kusho u-Alex Tabor, i-CEO ye-Tuna.
Umbono womkhakha ngekusasa uyathembisa. Okulindelekile ukuthi imakethe yokuqala yezezimali izoqhubeka nokukhula eLatin America, iqhutshwa ukushesha kwedijithali kanye nesidingo sezinsizakalo zezimali ezifinyeleleka kalula neziqondene nomuntu ngamunye. Lezi zinkampani zidlala indima ebalulekile ekuguquleni umkhakha wezezimali, ukukhuthaza ukubandakanywa kanye nokuqinisa umnotho wedijithali esifundeni.
Ngaphandle komthelela wabo kwezomnotho, ama-fintech adlala indima ebalulekile emphakathini. Ngo-2023, iBrazil idlule ama-akhawunti asebhange asebenzayo ayizigidigidi eziyi-1.2, okuwukukhuphuka okungu-14.2% uma kuqhathaniswa nonyaka odlule, okubonisa ukuthi ama-89.8% abantu baseBrazil banohlobo oluthile lobudlelwano basebhange, ngokusho kwe- Idwall Digital Experience Ranking, yi-Index ngokubambisana nenkampani yokubonisana i-Cadarn.
Lokhu kufakwa kuthuthukiswa nezindlela zokukhokha ezilawulwa yizinkampani ezintsha ezihlela lokhu kuthengiselana. Lokhu kuphathwa kwenza ukuthenga kusebenze kangcono. Ezinye izindlela ezifana nokukhokha ngezitolimende nge-PIX kanye nokukhokha ngezitolimende nge-bank slip, isibonelo, kuvumela abathengi ukuthi bahlele kangcono izimali zabo, bagweme ukuqongelela izikweletu.
Ngakho-ke, ukwanda kwezinsizakalo ezifana nokuthenga okuningi kanye nokuhlelwa kokukhokha kubeka imakethe ye-fintech ezingeni elifanele eminyakeni ezayo, inikeza izixazululo ezihlangabezana nezidingo zamabhizinisi kanye nabathengi bokugcina.
Ukuphazamiseka kwalezi zinkampani kudlulela ngale kokwenza kube lula ukusebenza kwansuku zonke kwamabhizinisi. Zisebenza njengezinye izindlela esikhundleni sezikhungo zamabhange zendabuko, lezi zinkampani ezintsha zidlala indima ebalulekile ekuguquleni isimo sezezimali nesenhlalo. Ngaphezu kokwethula ukuncintisana okudingekayo emakethe, izinkampani ze-fintech zandisa nokufinyelela kwisikweletu, ikakhulukazi ngokunikeza osomabhizinisi abancane kanye nabantu ababengavunyelwe ohlelweni lwamabhange ngaphambilini.
Ucwaningo lukaLetícia Ferrarini, olwethulwe kwi-Ibero-American Congress of Business Law and Citizenship, luqinisa le ndima ehlanganisa wonke umuntu eholwa ochwepheshe bezezimali. Lolu cwaningo luqokomisa indlela umkhuba wokuguqula ukuxoshwa kwezezimali kanye nokubandakanyeka okwandayo kwabantu abavela ezigabeni zomphakathi ezingenamalungelo ohlelweni lwezezimali okunikela ngayo ekuthuthukisweni komnotho waseBrazil, futhi ngenxa yalokho, ekuthuthukiseni ikhwalithi yokuphila.
