Ocwaningweni olusha mayelana nesimo sokukhwabanisa okuku-inthanethi nokukhwabanisa, olwenziwe yiKoin, inkampani ye-fintech egxile ku-Buy Now, Pay Later (BNPL) kanye nokuvimbela ukukhwabanisa kwezentengiselwano ze-e-commerce, izinombolo zibonisa ukuthi ubuthakathaka babathengi buhlala buyisongo lapho bethenga ku-inthanethi. Ngokusho kocwaningo, ama-62.4% abantu baseBrazil sebevele bebhekene nohlobo oluthile lokukhwabanisa okuku-inthanethi, iningi labo (41.8%) kumawebhusayithi okuthenga.
Ukukhwabanisa nge-WhatsApp nakho kubalulekile, okumelela ama-20.6% emizamo, kuyilapho ukukhwabanisa kwe-Pix kukhulunywe ngakho yi-18.6% yabaphenduli. Ukwebiwa kwedatha (okubizwa ngokuthi "i-phishing") kwakuyisongo esishiwo yi-13.9% yabaphenduli, kanti u-5.2% wabathengi bathi babhekene nokuzama ukwebiwa kwamaphasiwedi.
Imali elahlekile
Iningi lezisulu libike ukulahlekelwa okuphakathi kuka-R$500 no-R$1,000 (47.6%), kanti iqembu lesibili elibalulekile lilahlekelwe yimali ephakathi kuka-R$50 no-R$100 (19%). Okwamanje, u-15.5% wabaphenduli bathi bakhohlisiwe imali engaphezu kuka-R$2,000; u-10.7% ulahlekelwe phakathi kuka-R$1,000 no-R$1,500. U-7.1% kuphela wabathengi ababike ukulahlekelwa kwezimali.
Lapho kwenzeka khona ukukhwabanisa
Ucwaningo luphinde lwabonisa ukuthi iningi elikhulu (92.3%) lemizamo yokukhwabanisa yenzeke ngamadivayisi eselula, ikakhulukazi omakhalekhukhwini. Esinye isici esibalulekile ukuthi ama-64.3% ezisulu awazange afake umbiko wamaphoyisa ngemuva kokubhekana nosongo, okubonisa ukuntuleka kokuzethemba ekuxazululeni inkinga noma ukuntuleka kolwazi ngokubaluleka kokufaka umbiko.
“Izinombolo ezivela ocwaningweni lwethu zembula ukuthi udaba lokukhwabanisa nokukhohlisa ku-inthanethi luyinto eyenzeka empilweni yabantu baseBrazil futhi lungabangela ukulimala kokubili kubathengi nakubathengisi, nabo ababhekene nemiphumela yezezimali ngenxa yobugebengu be-inthanethi,” kugcizelela uJuana Angelim, iSikhulu Esiphezulu Sokusebenza saseKoin. “Ngakho-ke, kuyadingeka kakhulu ukuthi izinkampani ziqinise ukuthengisa kwazo ku-inthanethi ngezinhlelo eziqinile zokulwa nokukhwabanisa,” kunezela umphathi. Ngo-2023 kuphela, iKoin yavimbela ukukhwabanisa okungu-R$ 240 million kanye nokuthengiselana okukhohlisayo okungu-120,000.
Ucwaningo lubheke ulwazi lwabathengi abangu-350 abavela kuzo zonke izifunda zaseBrazil ngo-Agasti, kanti iningi labaphenduli livela eNingizimu-mpumalanga (43.1%), kulandele iNyakatho-mpumalanga (18.6%). Ubudala babahlanganyeli bubonise nokusatshalaliswa okufanayo: iminyaka engu-35 kuya kwengu-44 (27.3%), iminyaka engu-45 kuya kwengu-54 (23.5%), kanye neminyaka engu-55 kuya kwengu-64 (22.5%).
