Ngemva konyaka selokhu yasungulwa, i-Pix Automático ishintsha ukugxila kohlelo lwezezimali lwaseBrazil kusukela ekukhokheni ngokwalo kuya emandleni okugcina ubudlelwano namakhasimende obuqhubekayo. Njengoba izinkokhelo eziphindaphindayo ezisheshayo zithuthuka ngaphezu kwamamodeli okukhokhisa avamile, amabhange, ama-fintech, kanye nezinkampani zisheshisa ukubuyekezwa kwezakhiwo zazo zokusebenza ukuze kuncishiswe ukungqubuzana, kwandiswe ukubikezela kwemali engenayo, futhi kugwenywe izindleko ezikhuphukayo ekuthengiselaneni okuphindaphindayo.
Lesi sinyathelo siza phakathi kokuhlanganiswa kwePix njengengqalasizinda yokukhokha eyinhloko yezwe. Ngokusho kocwaningo olwenziwe yiKoin, uhlelo seluvele luqukethe cishe u-30% wokuthengiswa kwe-inthanethi futhi lufinyelela amazinga okuguqulwa acishe abe ngu-95% kwezentengiselwano ze-inthanethi zaseBrazil. Ucwaningo olufanayo luphinde lubonise ukuthi ukwamukelwa kweziliphu zasebhange ezitolo eziku-inthanethi kwehle kusuka ku-85% kuya ku-28% eminyakeni yamuva nje, okubonisa ukufuduka okusheshayo ezindleleni zedijithali.
Isifiso semakethe sezindlela ezintsha ezihlobene nohlelo lokukhokha okusheshayo sesivele sisungulwe kahle. Idatha evela ocwaningweni lwe-"Credit Journey", olwenziwe yiMatera - inkampani yezobuchwepheshe egxile ezixazululweni zomkhakha wezezimali - ikhombisa ukuthi ama-31% abaphenduli asevele asebenzise izitolimende zePix, kanti ama-53% athi asebenzise ikhambi ezinyangeni zamuva nje. Nakuba kuyindlela ehlukile ekukhokheni okuzenzakalelayo okuphindaphindiwe, ukuthuthuka kwale ndlela kuqinisa ukuzimisela kwabathengi ukwamukela okuhlangenwe nakho kwezezimali okuguquguqukayo, kwedijithali, nokuhlanganisiwe - ukunyakaza okusiza ukuvula indlela yokwanda kwe-Automatic Pix.
Nakuba izinkokhelo ze-Pix ezizenzakalelayo sezivele zitholakala emakethe, izinselele seziqala ukushintsha kusukela ekwamukelweni kobuchwepheshe kuya ekubanjweni kwenani. Njengoba izinkokhelo eziphindaphindayo ezisheshayo zithola ukuthandwa, izikhungo zezimali nezinkampani azincintisani nje kuphela ngokusebenza kahle, kodwa futhi nokugcinwa kwamakhasimende, ukubikezela imali engenayo, kanye nobudlelwano besikhathi eside.
“I-Pix iguqule izinkokhelo zaba yimpahla. Manje imakethe yezezimali isiqala ukuncintisana ngokugcinwa, ukuphinda, kanye nobudlelwano besikhathi eside,” kusho uBruno Samora, i-CPO yaseMatera, inkampani yezobuchwepheshe egxile ezixazululweni zomkhakha wezezimali. “Impi elandelayo kulo mkhakha ngeke ibe mayelana nokuthi ubani ocubungula ukuthengiselana ngokushesha, kodwa mayelana nokuthi ubani ongaqhubeka nohambo lokuqoqa oluqhubekayo ngaphandle kokungqubuzana okuncane, ukubikezela okukhulu, kanye nezindleko zokusebenza eziphansi,” enezela.
Ngokusho kwesikhulu esiphezulu, lolu shintsho luvame ukushintsha umqondo wokuncintisana womkhakha wezezimali ngokwawo, obelokhu usekelwa amamodeli okudonswa kwemali ngokuzenzakalela aqinile ancike ekuhlanganisweni kwamazwe amabili. Ukholelwa ukuthi ngokuhlanganiswa kwezinqubo zokukhokha okusheshayo, imakethe izosebenza ngendlela esebenzisana kakhulu, eqhubekayo, nehlanganisiwe: “Nge-Pix Automático, izinkokhelo eziphindaphindayo aziseyona nje inqubo yokukhokhisa futhi ziqala ukuthatha indawo ehlelekile yokugcina amakhasimende nokwakha ubudlelwano. Inselelo manje ukuguqula lokhu kube lula kube yimali engenayo ebikezelwayo kanye nenzuzo yokuncintisana.
Imakethe ilindele ukuthi ukuthuthuka kwezinkokhelo eziphindaphindayo ezisheshayo kuzosebenza njengesisekelo sentuthuko yesikhathi esizayo ohlelweni lwezezimali lwaseBrazil, okuhlanganisa izinkokhelo ezihleliwe, izinkokhelo eziphindaphindayo eziguquguqukayo, kanye nezakhiwo ezintsha zesikweletu ezihlanganiswe ohlelweni lwe-Pix. Kulesi simo, umkhuba uwukuthi izinkokhelo eziphindaphindayo ziyeke ukuba ungqimba lokusebenza nje kuphela futhi zithathe isikhundla esiyinhloko ebudlelwaneni naseqhinga lokwenza imali lezikhungo zezimali. "I-Pix iguqule ukuthengiselana kwezezimali kwaba yimpahla. Manje umncintiswano uqala ngokuthi ubani ongaguqula izinkokhelo eziphindaphindayo zibe ubudlelwano," kuphetha uSamora.
