Ikigo cyo muri Berezile gishinzwe kurengera umuguzi (Idec) kibona icyemezo cya Banki Nkuru yo kutagenga ibikorwa by’inguzanyo bifitanye isano na Pix, bizwi cyane ku izina rya "Pix Parcelado," bitemewe. Guhitamo kureka gushyiraho amategeko no kwemerera buri kigo gukora "uko bishakiye" bitera ibidukikije by’imyitwarire idahwitse ikunda kongera ihohoterwa, kwitiranya abaguzi, no kurushaho kwishyuza imyenda mu gihugu.
Nubwo Banki Nkuru yafashe icyemezo cyo guhagarika ikoreshwa ry’ikirango “Pix Parcelado”, cyemerera ibigo kwemeza itandukaniro nka “parcelas no Pix” cyangwa “crédito binyuze kuri Pix”, ihinduka ry’izina ntirishobora gukuraho ingaruka nyamukuru: umuguzi azakomeza guhura n’ibicuruzwa by’inguzanyo bikabije, nta bipimo fatizo by’inguzanyo byishyurwa, nta buryo buteganijwe bwo gutanga amakuru, nta buryo buteganijwe bwo gutanga amakuru, nta buryo buteganijwe bwo gutanga amakuru, nta buryo buteganijwe bwo gutanga amakuru, nta buryo buteganijwe bwo gutanga amakuru, nta buryo buteganijwe bwo kwishyurwa, nta buryo buteganijwe bwo gutanga amakuru ku buryo butemewe n'amategeko, nta buryo buteganijwe bwo kwishyurwa, nta bicuruzwa biteganijwe.
Mu gusubiza inyuma ibigo bigoye, Banki Nkuru isobanura neza ko yahisemo kutazahura n'ikibazo kimaze gutangira. Aho gushyiraho amategeko arengera amamiriyoni y’Abanyaburezili, ihererekanya inshingano ku "isoko ryisanzuye," bigatuma imiryango idakingirwa mu gihe amabanki na fintechs bafite umudendezo wuzuye wo gusobanura imiterere, imiterere, n’ibiciro, harimo n’ibitotezwa cyane.
Iri hitamo rirakomeye cyane mugihugu aho umwenda urenze umaze kugera kurwego rushimishije. Ubwoko bwinguzanyo buhujwe na Pix, mubyukuri kuberako ihari mugihe cyo kwishyura kandi ifitanye isano nikirango cyizewe cyane muri sisitemu yimari ya Berezile, itera ingaruka zidasanzwe: amasezerano atabishaka, urujijo hagati yo kwishyura ninguzanyo, bike cyangwa kutumva neza amafaranga ningaruka zo kutishyura. Hatariho ibipimo no kugenzura, ibyago byo kugwa mumitego byiyongera cyane.
Idec iraburira ko Burezili igana ku buryo ibicuruzwa bimwe bizakora mu buryo butandukanye rwose kuri buri banki, hamwe n'amategeko yayo, amasezerano atandukanye, uburyo butandukanye bwo gukusanya, n'inzego zitandukanye zo kurinda. Gucamo ibice bibangamira gukorera mu mucyo, bikabuza kugereranya, bikabuza kugenzura imibereho, kandi bigatuma bidashoboka ko umuguzi amenya, mubyukuri, ibyo basezerana.
Ntabwo byemewe ko, iyo uhuye nikibazo kireba abantu babarirwa muri za miriyoni, urwego rugenzura rwanze inshingano zarwo. Ntabwo bihagije "gukurikirana iterambere ryibisubizo"; ni ngombwa kubigenga, kubigenzura, no kwemeza ibipimo byibuze byumutekano wubukungu. Kureka ibi nugutererana abaguzi.
Pix yashyizweho nka politiki rusange yo demokarasi yishyurwa. Kubihindura mumarembo yinguzanyo zidateganijwe, udakemuye ingaruka kandi utarinze abayikeneye cyane, bibangamira ibyo wagezeho. Idec izakomeza gukora kugirango isabe ubuziranenge, umutekano, no gukorera mu mucyo.
