Ese wigeze wongera ibicuruzwa ku gikapu cyawe cyo guhaha kuri interineti, ku mpamvu runaka, nturangize kugura? Nibyo, ntabwo uri wenyine. Guta agaciro k'igikapu cyo guhaha ni ikintu giteye impungenge ku bucuruzi bwo kuri interineti bwo muri Brezili, aho ibiciro bishobora kugera kuri 82% bitangaje, nk'uko bivugwa na E-commerce Radar. Ibiciro bitunguranye, igihe kirekire cyo kohereza ibicuruzwa, no kwishyura ibintu bigoye ni bimwe mu bintu bibangamira abaguzi mu gihe cy'ingenzi, bigatera igihombo ku bacuruzi.
Hafi kimwe cya kabiri cy'abaguzi (48%) bareka kugura iyo bahuye n'ibiciro biri hejuru kurusha uko byari byitezwe, nk'uko ubushakashatsi bwakozwe n'Ikigo cya Baymard bubivuga. Ariko ikibazo ntigihagaze aho gusa. Gutinda kohereza ibicuruzwa nabyo ni nyirabayazana ukomeye, bituma 36.5% by'abakiriya bareka kugura, nk'uko amakuru aturuka muri Yampi abigaragaza. Kandi hari n'ibindi: inzira zigoye zo kwishyura ni ikindi kintu cy'ingenzi. 79% by'Abanyabrezili bakunda kwishyura mu byiciro, kandi kutagira uburyo bwo kwishyura bworoshye bituma benshi bareka mbere yo kurangiza kugura, nk'uko ubushakashatsi bwakozwe na SPC Brasil – Serviço de Proteção ao Crédito (Serivisi yo Kurinda Inguzanyo) bubigaragaza.
Ariko, ikoranabuhanga ryarageze kugira ngo rihindure uyu mukino. Habonetse ibisubizo bishya ku isoko, bituma ubunararibonye bw'abaguzi bworoha, burushaho kuba bwiza, kandi burushaho kuba bwiza, ndetse binatuma ibicuruzwa birangira neza.
Kimwe mu bishya bisezeranya kugabanya isigara ry’imodoka zo guhaha ni Poli Pay, imikorere yakozwe na Poli Digital, ikigo gishya cya Goiás cyihariye mu gukora imiyoboro yo guhaha. Nk’uko Alberto Filho, Umuyobozi Mukuru w’iyi sosiyete abivuga, "iki gisubizo cyemerera abaguzi kurangiza urugendo rwabo rwose rwo kugura kuri platform imwe, bakoresheje imiyoboro ikunzwe nka WhatsApp."
Kandi Brezili iri ku isonga muri izi mpinduka. Alberto yagize ati: "Turi kimwe mu bihugu bike aho kwishyura binyuze kuri porogaramu zo kohereza ubutumwa ari ukuri, bigatuma uburambe bwo guhaha burushaho kuba ingirakamaro kandi buboneka, ndetse no kongera iterambere ry'ubucuruzi bw'ikoranabuhanga mu gihugu."
Poli Digital igaragaza ko amafaranga yakoreshejwe binyuze muri Poli Pay yamaze kurenga miliyoni 6 z'amadorari y'Amerika. Alberto ashimangira ko iki gisubizo ari cyiza cyane, kuko 62% by'abaguzi bo muri Brezili bakoresha imiyoboro y'ikoranabuhanga mu kugura, nk'uko Opinion Box ibivuga.
Nubwo ubucuruzi busanzwe bw’ubucuruzi bwo kuri interineti buhura n’ikibazo kigoye, aho 22% gusa by’abakiriya bakora amakaro yo guhaha barangiza ibyo bikorwa, igipimo cy’intsinzi cya Poli Pay kigera kuri 58%. Yagize ati: "Ibi bivuze ko igisubizo kikubye kabiri impuzandengo y’isoko. Ibanga ry’iyi mikorere riri mu buryo bufatika no guhuza uburyo bwo guhaha, butanga urugendo rwo guhaha rugenda neza aho umuguzi ahitamo ibicuruzwa, agakorana n’imiyoboro ya serivisi ku bakiliya, kandi akishyura, byose mu buryo bumwe bw’ikoranabuhanga."
Indi nyungu ikomeye ni ukwihuza kwayo n'ibigo bikomeye ku isoko ry'ubwishyu, nka Mercado Pago na PagSeguro, bitanga amahitamo atandukanye ku bakiriya, kuva ku ifishi ya banki kugeza ku makarita y'inguzanyo. Ibi bituma habaho ubworoherane no koroherwa mu gihe cyo kurangiza kugura. Kandi, ku bigo, uru rubuga rutanga imicungire y'ibikorwa mu gihe nyacyo, rwemerera abayobozi gushungura ibicuruzwa bakurikije izina ry'umukiriya, umucuruzi, cyangwa ndetse n'uburyo bwo kwishyura, binoza uburyo bwo kugenzura ibicuruzwa.
Byongeye kandi, binyuze mu bufatanye buhamye na Meta Group, nyiri urubuga nka WhatsApp, Instagram, na Facebook, Poli Digital igenzura ko sisitemu yubahiriza amabwiriza yose y’iyi miyoboro nkoranyambaga. Ibi bivuze ko amasosiyete ashobora gukora afite amahoro yo mu mutima, akirinda ibibazo nko guhagarika cyangwa guhagarika bitunguranye kandi akizeza abakoresha bayo uburambe butekanye kandi butajegajega.
Alberto asoza ashimangira ko “ukurikije iyi mimerere, ibikoresho nka Poli Pay bigaragaza impinduramatwara nyayo mu bucuruzi bwo kuri interineti bwo muri Brezili. Bitanga ibisubizo byiza byo kugabanya igipimo cyo gutereranwa kw'amakarita yo guhaha, mu gihe bikongera ubucuruzi, cyane cyane ku bucuruzi buto n'ubuciriritse.” Yongeraho ati: “Hamwe n'iterambere rihoraho ry'ikoranabuhanga rya digitale, intego ni uko abacuruzi benshi bahitamo ingamba nshya, kunoza ubunararibonye bw'abaguzi no kwemeza umusaruro mwiza ukomeje kwiyongera kuri uru rwego.”
