I-Pix yadalelwa ukuxazulula inkinga yasekhaya: ukwenza izinkokhelo zisheshe, zishibhile, futhi zifinyeleleke kalula. Nokho, esikhathini esingaphansi kweminyaka eyisithupha, isibe yinto enkulu kakhulu. Namuhla, uhlelo luhamba cishe ku-R$ 40 trillion ngonyaka, luxhumanisa cishe bonke abantu abasemabhange, futhi lusebenza njengengqalasizinda yokukhokha eyinhloko yezwe. Mhlawumbe yingakho nje yafika kuhulumeni kaDonald Trump.
Isinqumo sakamuva se-United States sokufaka izinsizakalo zokukhokha nge-elekthronikhi zaseBrazil phakathi kwamaphuzu abuzwayo ophenyweni lwezohwebo olwenziwe yi-USTR sibonisa ukuthi ingxoxo ayisagcini nje ngama-tariff noma ubudlelwano obuphakathi kwamazwe amabili. Okokuqala ngqa, ingqalasizinda yokukhokha yomphakathi iphathwa njengento ebalulekile empikiswaneni yezohwebo yamazwe ngamazwe.
Kubalulekile ukuqonda ukuthi lokhu akuyona nje ingxoxo ngePix. Okusengozini ukuthi ubani ozolawula "izindlela" lapho imali ijikeleza khona emnothweni wedijithali. Sekungamashumi eminyaka, izinhlelo zokukhokha zomhlaba wonke zibuswa izinkampani ezizimele kanye nengqalasizinda yezezimali yamazwe ngamazwe. Amakhadi, amanethiwekhi okuxazulula izinkinga, kanye nokudluliselwa kwamanye amazwe kuye kwagxila emandleni amakhulu ezomnotho namasu. I-Pix yethule umqondo ohlukile: ingqalasizinda yomphakathi, esebenzisana nabanye, evulekele ukusungula izinto ezintsha ezizimele futhi etholakala amahora angama-24 ngosuku.
Lolu shintsho lunciphisa izindleko zezinkampani, lwandisa ukuncintisana phakathi kwezikhungo zezimali, futhi luthuthukisa ukusebenza kahle komnotho. Nokho, inzuzo enkulu ayibonakali kangako: ukuncipha kokungqubuzana kwezomnotho. Lapho inkokhelo ingasathathi izinsuku ukuba ikhokhwe futhi iqala ukwenzeka ngemizuzwana, izinkampani zithola inkokhelo ngokushesha, zinciphise isidingo sazo semali yokusebenza, futhi ziyakwazi ukusebenza kahle kakhulu.
Kuhlelo oluphatha cishe ama-R$40 trillion ngonyaka, ukwehliswa ngakunye okungu-0.1% kuphela ezindlekweni zokuthengiselana kumelela okuthile okucishe kube yi-R$40 billion enanini lezomnotho elenzelwe umphakathi. Uma ubheka ukuthi i-Pix ithathe indawo yemisebenzi evame ukubiza phakathi kuka-0.5% no-3%, inzuzo iyonke yomnotho waseBrazil kungenzeka ibe phezulu kakhulu. Ngakho-ke, ukunciphisa impikiswano ibe ngumqondo wokuthi i-Pix incintisana nezinkampani zaseMelika ukwenza into ebanzi kakhulu ibe lula kakhulu.
Empeleni, i-Pix ayivimbeli ukusebenza kwemikhiqizo yamakhadi aphesheya futhi ayisusi ezinye izindlela zokukhokha. Amakhadi ahlala efanelekile, ikakhulukazi ekukhokheni ngezitolimende, isikweletu, kanye nokuthengiselana kwamanye amazwe. Okushintshile isimo sokuncintisana. Abathengi manje banezinketho eziningi, futhi imakethe kuye kwadingeka iphendule ngemikhiqizo engcono kanye nezindleko eziphansi.
Impumelelo yePix ayinakuchazwa kuphela yizenzo zeBhange Elikhulu. Uhlelo ludinga izigidigidi zamaRandi ekutshalweni kwezimali okuvela emabhange, kuma-fintech, nakwabanye abahlanganyeli kuHlelo Lwezezimali Lukazwelonke ukuze kulungiswe ubuchwepheshe, kuhlanganiswe, futhi kuqanjwe izinto ezintsha. Umphumela waba uhlelo lwezemvelo olusebenza njengesilinganiso samazwe amaningana anentshisekelo yokuthuthukisa izinhlelo zokukhokha ngokushesha. Yilapho kanye ithuba elivela khona eBrazil.
Ngaphezu kokuthumela i-Pix njengomkhiqizo kwamanye amazwe, kunengqondo ukwabelana ngolwazi lokulawula, amazinga okusebenzisana, kanye nemodeli yokuphatha evumele ukuqaliswa kwayo. Amazwe aseLatin America kanye neminotho esafufusa abhekene nezinselele ezifanayo futhi angazuza kulolu lwazi.
Esinye isici esithembisayo ngokulinganayo ukuhlanganiswa kwezinhlelo zokukhokha okusheshayo. Ngokobuchwepheshe, bekuzokwenzeka kakade ukuxhuma i-Pix kumapulatifomu afana ne-Indian UPI kanye nezinye izivumelwano zikazwelonke. Izinselele ezinkulu akuzona ezobuchwepheshe, kodwa imithetho: amazinga okushintshana, ukuvimbela ukuhlanzwa kwemali, ukuthobela imithetho, kanye nokuphathwa kwamazwe ngamazwe. Ukunqoba lezi zithiyo kuvula isikhala sesizukulwane esisha sezinkokhelo zamazwe ngamazwe ezisheshayo nezishibhile, ikakhulukazi zokuthunyelwa kwemali, ezokuvakasha, kanye nezentengiselwano ze-e.
Akumangazi ukuthi lesi sihloko sesithole ukuvelela emhlabeni wonke. Noma ngubani olawula ingqalasizinda yezezimali unethonya ekugelezeni kwemali, emisha, kanye nokuncintisana. Isinqumo sikahulumeni wase-US sokufaka izinsizakalo zokukhokha nge-elekthronikhi zaseBrazil ophenyweni lwawo lwezentengiselwano sibonisa ukuthi lezi zinkundla azisekho nje amathuluzi obuchwepheshe futhi seziyingxenye yezinhlelo zamasu zamazwe.
Mhlawumbe ifa elikhulu kakhulu le-Pix akusikho isivinini sokudluliselwa kwemali, kodwa ukubonakaliswa kokuthi ukusungula izinto ezintsha komphakathi kanye nokutshalwa kwezimali kwangasese kungahlangana ndawonye ukuze kutholakale izinzuzo ezinkulu ekusebenzeni kahle komnotho. Ngenkathi iBrazil yayingenisa amamodeli ezezimali ngaphambilini, namuhla ikhiqiza ingqalasizinda ekwazi ukuthonya impikiswano yomhlaba wonke mayelana nezinkokhelo zedijithali. Futhi lokhu kuchaza ukuthi kungani i-Pix ingasabi nje indlela yokukhokha futhi isibe yimpahla yamasu yomnotho waseBrazil.
* URafael Nakamoto unguMphathi Omkhulu kanye noMsunguli weVitório futhi uneminyaka engaphezu kwengu-16 yesipiliyoni emisebenzini ye-Private Equity, izikhundla zeBhodi, kanye nezikhundla ze-C-Level. Phakathi nalesi sikhathi, wasungula futhi wasiza ekwakheni amabhizinisi kusukela ezigabeni zokuqala kuya ekuphumeni nasekulinganisweni kwentengo okungaphezu kuka-R$1 billion, okuhlanganisa nezinkampani zesikweletu kanye ne-fintech i-Neurotech, i-Boa Vista Serviços, kanye ne-Conductor, okwadala i-Dock, enye yamapulatifomu amakhulu kakhulu ebhange njengesevisi eLatin America. Egxile ekwakheni izinzuzo zokuncintisana ngokusebenzisa, isu, kanye nenhloso, uRafael uhola i-Vitório emakethe yamadola ayizigidigidi ngokuqina kanye nesipiliyoni.
