Mu rwego rwo kwerekana intangiriro y’urugendo rushya rwitumanaho no gushimangira umwanya waryo nk "inzobere kuri ba rwiyemezamirimo," Kibuye yakoze ibirori bya "Kibuye ON" uyu munsi, 24 Ugushyingo. Muri ibyo birori, isosiyete yerekanye ibishya kuri portfolio yayo, yibanda ku gukemura ibibazo nyabyo by’ububabare bwa ba rwiyemezamirimo bato n'abaciriritse bo muri Berezile, inashyiraho uburyo bushya: imikorere idasanzwe muri Berezile mu micungire y’abakozi, Bate Ponto , itanga igihe cyo gukurikirana igihe ku mashini yamakarita, hiyongereyeho n’imikorere y’abakozi bahembwa.
Ikintu gishya cyemerera ingingo-yo kugurisha itumanaho guhinduka mugihe cyisaha, ukoresheje kumenyekanisha mumaso kubwumutekano mwinshi no gukuraho ibikenerwa mubikoresho bifatika. Igisubizo cy'abakozi bahembwa cyemerera kwishyura umushahara, umushahara w'ikiruhuko, hamwe na bonus y'amezi 13 ukoresheje porogaramu ya Kibuye cyangwa urubuga. Iyi mikorere irahambaye, cyane cyane urebye ko 20% gusa bya SMEs bakurikirana gahunda yabakozi babo, kandi benshi baracyafite igihe cyintoki. Aya makuru yashyizwe ahagaragara n’ubushakashatsi bwakozwe na Stone ku bufatanye na Provokers - ikigo cyita ku bucuruzi n’ubucuruzi - hamwe n’abakiriya barenga 1800 baturutse mu turere dutanu tw’igihugu.
Umuyobozi mukuru wa Kibuye, Pedro Zinner yagize ati: "Ibicuruzwa byose byatanzwe mu gihe cya Kibuye ON byavutse bivuye ku gusobanukirwa cyane na rwiyemezamirimo wo muri Berezile. Turashaka kumva icyo abakiriya bababaza ari cyo, ibibazo byabo nyabyo, kandi duhereye kuri ibyo, dutanga ibisubizo - ntabwo ari ukundi." Yongeyeho ati: "Kibuye yavutse atekereza ku bakiriya no kubaha kurushaho kugaragara. Gutyo, abakiriya bahinduka kandi natwe tugenda duhinduka ku muvuduko wabo."
Mugihe cyo kugabanuka kw'isoko, impera z'umwaka zifata akamaro kanini cyane: igihembwe cya 4 kigereranya 27% yo kugurisha buri mwaka. Kandi, mu kwezi k'Ukuboza, bingana na 10.5% yo kugurisha ukoresheje ikarita y'inguzanyo.
Ubushakashatsi bwakozwe na Stone ku bufatanye na Provokers bwashushanyije ingingo nyamukuru zibabaza hamwe na ba rwiyemezamirimo bo muri Berezile. Byagaragaje ko:
- Ba rwiyemezamirimo bagera kuri 34% bagaragaza ko ingingo yabo nyamukuru ibabaza ari ukongera ibicuruzwa.
- Abandi 33% bavuga kubona inguzanyo nigishoro cyo gukura nkibibazo byabo nyamukuru.
- 33% basigaye bahura nibibazo bikomeye mubuyobozi bwa buri munsi mubucuruzi bwabo.
Umuyobozi ushinzwe iterambere ku Kibuye, Mateus Biselli agira ati: "Turabizi ko ba rwiyemezamirimo bato n'abaciriritse batakaza igihe kinini buri munsi ku mirimo y'ibikorwa, bityo dutanga ibisubizo bituma iyi gahunda yoroshye cyane. Hamwe na Kibuye, ba rwiyemezamirimo babona umwanya wo kwibanda ku by'ingenzi: kuzamura ubucuruzi bwabo".
Isesengura ryakozwe na Stone ryerekana kandi ko gucuruza muri Berezile, nyuma yigihe cyo kwaguka gukomeye hagati ya 2021 na 2024, byagabanutse mu 2025. Kugurisha byaragoye, kandi gukura bisaba imbaraga nyinshi. Mu guhangana n'iki kibazo kitoroshye kandi hamwe n'ingingo eshatu z'ingenzi zibabaza ba rwiyemezamirimo - kugurisha byinshi, kubona inguzanyo zo gukura, no gutegura imicungire y’ubucuruzi - byihutirwa kuruta mbere hose, Stone yatangaje igisubizo cy’ibisubizo kuri ba rwiyemezamirimo.
Ibisubizo byo kugurisha muburyo bwose
Ubushakashatsi bwakozwe ku bushakashatsi bwakozwe na Kibuye / Abatanga isoko bwerekana ko kuri ubu, 5 kuri 10 ba rwiyemezamirimo baciriritse ndetse n'abaterankunga bamaze kugurisha binyuze kuri WhatsApp, naho 42% bakoresha izindi mbuga nkoranyambaga. Muri SMEs, imikoreshereze igera kuri 57% binyuze kuri WhatsApp, 42% ku mbuga nkoranyambaga, na 16% kuri porogaramu zitanga.
Kugirango turusheho gusohoza amasezerano yabwo yo kuba inzobere kuri ba rwiyemezamirimo, Kibuye yashyizeho ibikoresho byuzuza itumanaho ryayo, binareba uyu rwiyemezamirimo uhujwe:
- TapStone: Igisubizo gihindura terefone yawe igendanwa aho igurisha-kugurisha, itanga icyuzuzo kubikoresho gakondo, byiza kugabanya umurongo no guha imbaraga ikipe yawe.
- Ihuza ryo Kwishura: Gushoboza kugurisha kure muri Berezile bidakenewe urubuga, hamwe nubwishyu bwakiriwe bukeye.
- Kwiyandikisha gushingiye kubicuruzwa no kubanza gutanga uburenganzira kuri terminal ya POS: Ibikoresho byemeza ibyateganijwe byinjira n'umutekano kubisubiramo no kubika ibintu.
Inguzanyo idategereza: icyumba kinini cyo guhumeka kugirango gikure.
Mu bushakashatsi bwa Kibuye hamwe na Provokers, amakuru yerekanaga ko 36% byabakiriya bavuga ko impamvu yo gutegereza (kwishyurwa) ari ukorohereza imicungire yimari. Hagati aho, 74% muri bo ntibakoresha uburyo bwo kuyobora kugira ngo bakurikirane amafaranga yakoreshejwe, naho 67% bishyura intoki.
Kwemeza igishoro gikora, udushya twinshi mu nkingi yinguzanyo ni Pix no Crédito e Boleto Parcelado (Pix on Credit and Installment Payments binyuze muri Boleto), ituma ba rwiyemezamirimo bakoresha igipimo cy’inguzanyo cyemewe mbere yo kwishyura binyuze kuri Pix na Boleto, kabone niyo baba badafite amafaranga ako kanya. Igicuruzwa cyibanze ku gutanga ubutabazi kumafaranga yo kwishyura abayatanga no kubara, ukoresheje amakuru yimikorere kugirango utange imipaka ikwiye.
Ubuyobozi bworoshye
20% gusa bya SMEs bikurikirana amasaha y'abakozi. Kandi 38% byabakiriya ba Kibuye baracyakoresha 100% ya sisitemu yo gukurikirana igihe (impapuro cyangwa urupapuro). Aya makuru aturuka mubushakashatsi bwakozwe na Kibuye kubufatanye na Provokers.
Kugabanya umutwaro wubuyobozi mubuzima bwa buri munsi bwa rwiyemezamirimo no kwemerera gufata ibyemezo bisobanutse, Kibuye yazanye ibisubizo bigamije koroshya gahunda yabacuruzi. Icyibandwaho ni ugutanga ibisobanuro neza mumafaranga atagikenewe imbaraga zintoki.
- Amafaranga yanjye: Yinjiza amafaranga yinjira nogusohora, koroshya kugenzura imari no gucunga amafaranga ukoresheje Konti yubucuruzi.
- Gutanga X-Ray: Igikoresho cyerekana imibare yagurishijwe buri munsi uhereye kumurongo wo gutanga, harimo iteganyagihe ryishyurwa hamwe nubugenzuzi bwamafaranga yatanzwe kuri buri cyegeranyo.
- Imicungire y'abakozi: Igisubizo cyo gutegura, kwishyura, no gutera inkunga itsinda ryanyu, korohereza abantu kuyobora. Harimo ibintu nka Isaha yisaha (hamwe no kumenyekana mumaso kumashini yikarita) na Payroll.
Kibuye ON yerekanaga uruhare rwumuyobozi mukuru Pedro Zinner; Rodolfo Luz, umuyobozi ushinzwe kwamamaza Kibuye; João Misko, umuyobozi wibicuruzwa bya Kibuye; Mateus Biselli, umuyobozi ushinzwe iterambere rya Kibuye; Lia Matos, umuyobozi ushinzwe ingamba no kwamamaza ibicuruzwa bya Kibuye, hamwe na ambasaderi Luciano Huck.
