Isikhathi eside, i-Pix yayihlonishwa njengomsebenzi omusha ophumelelayo. Futhi kwaba njalo. Yanciphisa ukungezwani, yasheshisa ukuthengiselana, yandisa ukufinyelela ohlelweni lwezezimali, futhi yaba yingxenye yenqubo yezomnotho yezwe. Kodwa lokho akuseyona indaba eyinhloko ngakho.
I-Pix ayisekho nje ikhambi lokukhokha eliphumelelayo futhi isibe yisizinda sezingxoxo ezinkulu ezihilela imithethonqubo, ukuncintisana, inqubomgomo yomphakathi, izintshisekelo zezentengiselwano, kanye nokuzimela kwezomnotho. Lokhu kungenxa yokuthi impumelelo yengqalasizinda ishintsha uhlobo lwempikiswano. Nakuba iyithuluzi elihle nje, idala ukunconywa. Uma ikhula, ibeka ingcindezi emaphethelweni futhi isabalalise kabusha amandla, bese iqala ukukhiqiza ukungezwani.
IBhange Elikhulu liyaqhubeka nokuphatha uhlelo njengento eza kuqala eshintshashintshayo, line-ajenda ehlanganisa i-Pix engenakuthintana, izinkokhelo ze-Pix ezifakwa ngezigaba, ukuthuthukiswa kohlelo lwe-MED, kanye ne-Pix njengesibambiso. Lokhu kukhombisa ukuthi i-Pix ayiyona neze iphrojekthi eqediwe.
Uma impumelelo iqala ukuba yinkinga
I-Pix inciphise ukungezwani okwakubonakala kuhlukile ngaphambilini. Kuphakathi kwengxoxo yokulawula ngoba umlawuli wandisa ukufinyelela nokusebenza kwawo. Kuphakathi kwengxoxo yezomnotho ngoba kakade kuthonya ukusetshenziswa, ukuhweba nge-inthanethi, kanye nesakhiwo sezindleko. Kuphakathi kwengxoxo yezentengiselwano ngoba kuthinta izintshisekelo ezigxilile emlandweni ochungechungeni lokukhokha. Futhi kuphakathi kwengxoxo yezepolitiki ngoba sekuphathwe njengophawu lwamandla ezobuchwepheshe nezikhungo zezwe.
Yilapho iPix iyeka khona ukuba yindaba yokusebenza kahle bese iba yimpikiswano ngokuthi ubani olawula ingqalasizinda, ubani ochaza imithetho, nokuthi ubani obamba inani ekusakazweni kwemali.
Lokhu kusiza ukuchaza ukuthi kungani iBrazil ilandele indlela ehlukile kunaleyo ebonwa kwezinye izimakethe. Esikhundleni sesikhwama sangasese esithatha indawo ephakathi kwempilo yezezimali yomthengi, kwakuyiBhange Elikhulu elakha ungqimba lokukhokha olujwayelekile, olufinyeleleka kunoma yiliphi ibhange noma i-fintech. Ngokuxazulula ingqalasizinda yokuthengiselana, i-Pix yanciphisa isikhala sokuba izikhwama zedijithali zithathe indima ehamba phambili ebonakala ezimakethe ezifana ne-China ne-Argentina.
Kungalesi sikhathi futhi lapho ingxoxo mayelana ne-Apple, i-NFC, kanye ne-Pix (uhlelo lokukhokha olusheshayo lwaseBrazil) iba yinto ebaluleke kakhulu. Ngenkathi ungqimba lokuthengiselana luxazululwa ngokwengeziwe, impikiswano elandelayo ishintshela ku-interface, ulwazi, kanye nezindawo zokufinyelela ezihlakaniphile ze-ecosystem. Inkinga ezungeze ukuvulwa kwe-NFC ku-iPhone ikhombisa ukuthi impikiswano ayisekho nje ngokulula. Kumayelana nokuthi ubani olawula izindawo zokungena zesistimu.
Ngakho-ke akumangazi ukuthi iPix nayo ingene ekungezwani ne-United States. Iqiniso lokuthi ivele emibuzweni ehlobene ne-USTR libonisa ukuthi ayisabonwa nje njengelungiselelo lasekhaya eliphumelelayo. Iphinde yabonakala njengengqalasizinda ekwazi ukushintsha izintshisekelo zomnotho ezibonakalayo.
Iphutha lokuphatha konke "njenge-Pix vs. ikhadi"
Yingakho futhi impikiswano kungafanele incishiswe ibe yi-"Pix vs cards". Ukuthuthuka kwePix, empeleni, kubeka ingcindezi ekushintsheni kokuncintisana kwezindlela zokukhokha. Uhlelo lwe-11 lwe-Global Payments Report lubonisa ukuthi iPix isivele imele u-38% wokuthengiselana kwe-e-commerce eBrazil kanye no-34% wevolumu ethunyelwe ezindaweni zokuthengisa ezibonakalayo.
Izibalo ze-Abecs zisiza ukukhombisa ukuthi indaba akuyona into elula yokuthatha indawo. Kwikota yokuqala ka-2026, amakhadi esikweletu, edebithi, kanye namakhadi akhokhelwa kusengaphambili ashintshe u-R$ 1.1 trillion, okuwukwenyuka kuka-8.3%. Isikweletu sasiyimbangela eyinhloko yalokhu kukhula, ngo-R$ 810.2 billion ekuthengiselaneni kanye nokwenyuka kuka-12.8%. Ngaphezu kwalokho, u-43.2% wenani lesikweletu elidluliselwe livela ekuthengweni kwezimali ngezitolimende.
Lokhu kukhombisa ukuthi i-Pix iyakhula, kodwa ayithathi yodwa imisebenzi yezomnotho yesistimu. Izinkokhelo zokukhokha ezingenanzalo zihlala ziyimbangela ebalulekile yokusetshenziswa kanye nesici i-Pix engasithathi indawo ngqo. Okwenzekayo akuyona impi ye-binary, kodwa ukulungiswa kwesakhiwo.
Yini ngempela esengozini?
Ekugcineni, ingxoxo ngePix ayiseyona nje indlela yokukhokha. Imayelana nokwakhiwa kwemakethe. Imayelana nendima yomlawuli lapho esebenzisa ingqalasizinda yomphakathi. Imayelana nendlela yokugcina ukungathathi hlangothi kanye nokwethembana lapho leyo ngqalasizinda iba nkulu kakhulu. Imayelana nendlela umkhakha ozimele ohlala ngayo ndawonye nelungiselelo elinciphisa ukungezwani futhi licindezele imingcele.
Impumelelo ye-Pix ayigcinanga nje ngokubeka inselelo kumamodeli okukhokha amadala. Iphinde yabeka inselelo ekunethezekeni kohlelo, isikhathi eside, olusebenza ngokucindezela okuncane kakhulu ezingqimbeni ezithile zochungechunge.
Nakuba i-Pix isixazulule ungqimba lokuthengiselana ngempumelelo enkulu, impi elandelayo cishe izogxila kwenye indawo: ubani olawula ulwazi, isikhombikubona, kanye nesango eliya ohlelweni lwezezimali oluxhumene kakhulu.
I-Pix iseyindaba enhle yokusungula izinto ezintsha. Kodwa akuseyona leyo kuphela. Namuhla, ingenye yezinkundla ezibaluleke kakhulu zokuqonda ukuthi imithethonqubo, ubuchwepheshe, ukuncintisana, kanye nezintshisekelo zomnotho ziye zahlangana kanjani enhliziyweni yesistimu yezezimali yaseBrazil.
E- Pinbank, uchwepheshe wecebo ledatha oqeqeshwe eNyuvesi yaseCalifornia wathatha izintambo njenge-CEO ngo-2022, egxile ekusunguleni izinto ezintsha futhi evula izimakethe ezintsha, ehlanganisa isikhungo sezezimali kusekethe ye-DREX, Pix, kanye ne-direct acquirer, amakhadi esikweletu, kanye nama-akhawunti edijithali.
