Kei te whakamahi ngā kamupene puta noa i ngā rāngai rerekē i ngā hangarau tātari raraunga matatau me te Open Finance me te mohio horihori hei whakanui ake i te wātea o te nama me te kore e whakapiki ake i ngā reiti taunoa. Mā ēnei auahatanga ka taea te aromatawai nama tika ake, whaiaro ake hoki, hei āwhina i ngā kaihoko ki te whakahaere pai i ā rātou pūtea me te whakanui ake i ā rātou rohe nama. E ai ki ngā raraunga mai i te Peeke Matua o Brazil (Bacen), i piki ake te nama mō te hoko taonga e ngā tāngata takitahi mā te 18% i roto i ngā marama 12 i mutu i te Hui-tanguru 2024, koinei te pikinga teitei rawa atu i roto i ngā tau e rima kua hipa.
Ko ngā rautaki whakaiti mōrearea ko te whakawhānui i te putea nama me te wehewehe mākete, he mea nui ēnei ki te whakatau i te pikinga o te reiti nama kore e utua, i tae atu ki te 72.54 miriona tāngata o Brazil i te marama o Mei 2024, e ai ki a Serasa. I whakaatuhia e te rangahau a te Locomotiva Institute me te MFM Tecnologia e 8 i roto i te 10 ngā whānau o Brazil kei roto i te nama, ā, ko ngā kāri nama te 60% o ngā nama kua roa e nama ana. E whakanui ana ngā tohunga ko te whai huatanga o te whakapiki ake i te wātea nama kei roto i te uaua o te tātari mōrearea, e whakahohea ana e ngā taputapu AI, e āwhina ana ki te whakahaere aunoa i te tukanga whakatau nama, te kite i te tinihanga, te whakawhaiaro i ngā tuku, me te wehewehe tika i ngā kiritaki, e āhei ai te matapae tika ake i ngā reiti nama kore e utua me te aroturuki i ngā kōtaha.
Ko tā Bruno Moura tēnei, te kaiwhakahaere pakihi me te hokohoko i klavi – he kamupene e tuku ana i ngā otinga e ahu mai ana i te Pūtea Tuwhera me te Raraunga Tuwhera. "E whakapono ana mātou me ahu mai tētahi rautaki tātari mōrearea whai hua i tētahi ahurea tātari raraunga, e arotakehia tonutia ai ngā puna mōhiohio hou, e aroturukitia tonutia ai hoki ngā puna tawhito, i te mea he maha ngā huringa o ngā whanonga a te marea," tana aromatawai. E whakanui ana hoki te tohunga, mō tētahi tātari nama haumaru, me tiki me te tātari i te whānuitanga o ngā mōhiohio mō te kiritaki pea, tae atu ki te hītori, te moni whiwhi, te kaha pūtea o nāianei, te whanonga utu o mua, me tetahi momo raraunga ka taea te whakamātau tatauranga he mea nui.
Hei tāpiri atu ki tēnā, e whakanui ana ia i te hiahia kia pai te aroturuki me te whakapai tonu i ngā hangarau e whakamahia ana, kia whakatinanahia ngā pūnaha hei aroturuki tonu i te mahi nama a ngā kiritaki, ngā raraunga e whakamahia ana mō te tātari, me te arotake anō i ngā tauira, me te whakahou i ngā hangarau hei pupuri i te tere o te tukanga whakatau. E hono ana ki ēnei kōrero e rua, he mea nui anō hoki te whakamahi i ngā tauira tatauranga pakari pērā i te AI mō te tātari whanonga.
"Mā te whakamahi i ngā puna raraunga tuku iho anake (pērā i ngā tari nama) e kore e whakapai ake i tō māramatanga ki tō kiritaki, ā, i te wa ano, e kore e wehewehe i a koe i ō hoa whakataetae. He mea nui te whakamahi i ētahi atu puna raraunga, mena ka whai koe i ngā ture me ngā ture tiaki raraunga, ki te kimi i ngā whai wāhitanga hou hei whakapai ake," te whakanui a Moura.
Te tūranga o te mātauranga pūtea ki te whakaiti i ngā reiti utu kore.
He mea nui anō hoki te kawenga a te kaihoko i roto i te whakamahinga o ngā rauemi pūtea puta noa i te haerenga. I roto i tēnei whakaaro, e whakamārama ana a Bruno Moura he mea nui te mātauranga pūtea, koinei te huarahi mohio rawa atu hei whakaatu, ki te whakahaeretia pai, he mea nui te nama mō te whakatutuki i ngā whāinga mō ngā tāngata takitahi me ngā kamupene.
"He mea nui ngā taputapu matauranga horihori e whakamahi ana i ngā raraunga Pūtea Tuwhera mō tēnei, ā, ka taea te whakarerekē i te āhua, me te whakarite kia whiwhi te tangata i ngā tohutohu tika mō tā rātou kai me te āhua o te noho, me te whakaiti i te tūponotanga o ngā taupatupatu pūtea, ā, i te wa ano, me te whakaatu ki ngā kaihoko mēnā he oranga pūtea hauora tā rātou, ka whai hua te pūnaha katoa," te whakamārama a Moura.
E ai ki ngā raraunga mai i Open Finance Brazil, i te marama o Tīhema 2023 neke atu i te 42 miriona tāngata o Brazil kua whai whakaaetanga kaha mō te tiritiri raraunga i waenga i ngā peeke me ngā umanga pūtea. I tua atu, i te tau 2023, 15 ngā API hou i whakarewaina, neke atu i te 30 ngā hua me ngā API kei te hangaia, ā, e akiaki ana i ngā piriona waeatanga ia wiki i te wāhanga 2 o Open Finance.
E pā ana ki te mātauranga pūtea, ko te mahi a ngā kamupene he whakatinana i ngā kaupapa here nama hei whakataurite i te tuku nama me te pupuri i ngā reiti nama iti. Ko ngā kaupapa here matua ko:
(1) Te rerekētanga o te hunga whakarongo: he rerekē ngā whanonga o ia tangata, nō reira, me whakarite te kaupapa here nama mō ia hunga whakarongo, hua me te ratonga.
(2) Aromatawai me te aroturuki i ngā taurangi: i runga i te maha o ngā taurangi raraunga kei roto i ngā kaupapa here, me aro tātou ki te kounga i roto i te wā, tae atu ki te aromatawai mēnā kua puta he huringa i roto i te whanonga me te mea he pānga ki ngā hua e tumanakohia ana. Hei tauira, ko te mate urutā: i hangaia he whanonga hou, ā, ko ngā raraunga i matapaetia i mua he taunoa me whakakapi ki ngā raraunga hou, ā, ko te hunga i kaha ki te aroturuki i tēnei i te wā tere ka iti ake te pānga.
(3) Te mahi tahi me te tinihanga, te ratonga kiritaki me ngā wāhanga kohi moni: he pūnaha rauropi te nama e hiahia ana kia rite, kia kotahi hoki ngā pito katoa ki te whai i tētahi rautaki; ki te kore tetahi mea e tika ana, ka pā te pānga puta noa i te mekameka.
Ko tētahi tauira o te kaha o tētahi kamupene ki te whakanui ake i te wātea o ngā nama me te kore e whakapiki i ngā reiti taunoa, ko te whakawhaiaro i ngā tuku, te whakahaere tika i ngā here nama, me te aroturuki i ngā kiritaki puta noa i te huringa katoa.
"Whakaarohia te tokomaha o ngā tohunga mahi-whaiaro kei te motu i ēnei rā, kāore i te nui te hītori nama, engari he moni whiwhi pumau, ā, ki te wātea te nama, ka whai wāhi ki te whakatipu i ā rātou pakihi, me te haumi ki ngā taputapu me ngā taputapu hei āwhina i a rātou kia tipu ake? Mā te Open Finance, ka taea te hoatu he rohe tika ki tēnei tangata, me te whakanui ake i te wātea o te nama me te kore e whakanui ake i tā rātou reiti kore utu, nā te mea e mōhio ana koe ki te kaha pūtea o te tangata, ehara i te mea ko tā rātou hītori nama anake, he mea tīmata noa iho," te whakamārama a Bruno Moura.
Mā ēnei huarahi, e tumanako ana ngā kamupene ki te whakawhānui ake i te urunga atu ki te nama i runga i te huarahi tika, me te whakatairanga i te tipu pumau, me te pupuri i ngā reiti nama kore utu kia kaua e utua.
