Hauv kev txav mus los ntxiv dag zog rau PIX kev ruaj ntseg, Central Bank (Bacen) tau tshaj tawm cov kev hloov kho tshiab rau cov txheej txheem them nyiaj sai sai rau lub Peb Hlis 6th . Ntau yam twb tau hais txog qhov kev hloov pauv ntawm lawv tus kheej, xws li qhov yuav tsum tau ua rau lub npe sau npe nrog PIX kom phim qhov uas tau sau npe nrog Tsoom Fwv Teb Chaws Cov Nyiaj Tau Los. Txawm li cas los xij, muaj cov nuances thiab cov txiaj ntsig zoo uas tsim nyog tau txais kev saib xyuas tshwj xeeb. Cov kev hloov no, thaum lub hom phiaj tseem ceeb ntawm kev tiv thaiv kev dag ntxias, muaj kev cuam tshuam uas tuaj yeem cuam tshuam rau lub neej niaj hnub ntawm cov neeg siv thiab kev lag luam.
Alex Tabor, CEO ntawm Tuna Pagamentos , tus thawj coj fintech hauv orchestration hauv Brazil, hais txog tias cov kev hloov pauv yog ib kauj ruam tseem ceeb hauv kev tawm tsam kev dag ntxias ntxiv. "Xav txog qhov xwm txheej uas tus neeg dag ntxias nyiag nkag rau hauv koj tsev neeg lub WhatsApp thiab thov kom them nyiaj ntawm PIX. Yog tias lub npe tshwm sim hauv kev sib pauv yog zoo ib yam rau koj tus txheeb ze, txoj hauv kev uas koj poob rau qhov kev dag ntxias yog ntau dua," nws piav qhia. Qhov kev xav tau tshiab uas tus neeg tuav nyiaj lub npe sib phim rau ib qho uas tau sau npe nrog Tsoom Fwv Teb Chaws Cov Nyiaj Txiag Pabcuam txhawm rau txo qis hom kev dag no. Txawm li cas los xij, Tabor ceeb toom: "Qhov no txhais tau hais tias cov tsev txhab nyiaj thiab fintechs yuav tsum tau kuaj xyuas koj cov ntaub ntawv ob zaug. Yog tias koj lub npe tsis tiav lossis sau tsis raug, koj yuav tsum tau kho nrog lub tuam txhab nyiaj txiag ."
Cov yuam sij Random thiab emails: dab tsi hloov hauv kev coj ua?
Lwm qhov kev hloov pauv uas tuaj yeem cuam tshuam ncaj qha rau cov neeg siv yog txwv tsis pub hloov cov ntaub ntawv txuas mus rau cov yuam sij random . Tam sim no, yog tias ib tus neeg lossis tuam txhab xav hloov kho cov ntaub ntawv cuam tshuam nrog xws li tus yuam sij, lawv yuav tsum tau muab tshem tawm thiab tsim ib qho tshiab. "Qhov kev ntsuas no yuav zoo li bureaucratic, tab sis nws yog ib qho tseem ceeb los tiv thaiv cov neeg dag ntxias los ntawm kev siv cov kev tsis sib haum xeeb hauv lub cev," cov lus Tabor.
Tsis tas li ntawd, email-raws li PIX yuam sij tuaj yeem tsis tuaj yeem rov ua dua. Qhov no txhais tau hais tias yog tias koj poob kev nkag mus rau email account txuas rau PIX tus yuam sij, nws raug nquahu kom rho tawm tam sim ntawd . Tabor hais tias "Qhov no yog kev tiv thaiv kev tiv thaiv kom tsis txhob raug kaw lossis tsis nco qab email los ntawm kev siv ua phem," Tabor hais.
Cov xwm txheej tsis raug sau npe: yuav ua li cas rau PIX yuam sij?
Ib qho ntawm cov kev sib tham tsawg dua, tab sis sib npaug sib npaug, kev hloov pauv yog Central Bank txoj kev txiav txim siab tias PIX yuam sij ntawm cov tib neeg thiab cov tuam txhab uas muaj npe tsis raug cai nrog Tsoom Fwv Teb Chaws Cov Nyiaj Tau Los raug cais tawm. Qhov no suav nrog CPFs nrog raug tshem tawm, tshem tawm, lossis tsis muaj npe rau npe, thiab CNPJs nrog raug tshem tawm, tsis tsim nyog, raug tshem tawm, lossis tsis muaj npe. Txawm li cas los xij, Tabor qhia meej tias cov nuj nqis nrog IRS yuav tsis tiv thaiv kev siv PIX. "Cov koom haum nrog cov nuj nqis yuav txuas ntxiv tuaj yeem siv lawv cov yuam sij ib txwm muaj. Qhov kev ntsuas no yog txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau txhawm rau nws yuav muaj peev xwm siv lawv cov yuam sij ib txwm .
Ib qho sib txawv sib txawv: kev hloov pauv ntawm PIX thiab lub luag haujlwm ntawm tus neeg siv
Thaum cov kev hloov pauv ntxiv dag zog rau lub system kev ruaj ntseg, lawv kuj tseem qhia txog qhov tseem ceeb ntawm cov neeg siv kev koom tes hauv kev tswj hwm lawv cov ntaub ntawv. Tabor hais tias "PIX tau hloov zuj zus mus tas li, thiab Central Bank tau ua qhov piv txwv ntawm kev txheeb xyuas kev dag thiab kho cov cai," Tabor hais. "Tab sis cov neeg siv kuj yuav tsum ua lawv txoj haujlwm los ntawm kev tshuaj xyuas tsis tu ncua tias lawv cov ntaub ntawv hloov tshiab thiab ua raws li cov ntaub ntawv raug cai."
Rau cov neeg uas muaj lus nug txog lawv cov xwm txheej sau npe, peb pom zoo kom mus saib Tsoom Fwv Teb Chaws Cov Nyiaj Tau Los thiab tshawb xyuas lawv cov ntaub ntawv CPF lossis CNPJ. Tabor hais tias "Qhov no yog kev xyaum yooj yim, tab sis nws tuaj yeem tiv thaiv cov teeb meem yav tom ntej," Tabor hais.
Cov kev cai tshiab PIX sawv cev rau cov kauj ruam tseem ceeb hauv kev tawm tsam kev dag ntxias, tab sis lawv kuj coj lub luag haujlwm ntxiv rau cov neeg siv thiab cov tuam txhab nyiaj txiag. Thaum Central Bank tseem saib xyuas thiab kho cov kab ke, kev sib koom tes ntawm txhua tus neeg koom tes yuav yog qhov tseem ceeb rau kev tswj hwm PIX raws li txoj kev them nyiaj nyab xeeb thiab txhim khu kev qha. Raws li Tabor tau hais tias: "Kev ruaj ntseg digital yog kev sib koom ua ke. Txhua qhov kev hloov kho me me ua rau muaj kev ruaj ntseg ecosystem uas tsis tshua muaj kev dag ntxias."
