Uburyo bwo BNPL buragenda bwamamara mu baguzi no ku bacuruzi kandi biteganijwe ko buzarenga impapuro zisanzwe za banki, bukaza ku mwanya wa gatatu mu buryo bwemewe bwo kwishyura mu bucuruzi bwo kuri interineti. Ibi ni ibyatangajwe n’ubushakashatsi bwibanze bwatanzwe na Pagaleve - isosiyete ikora fintech itanga ubwishyu hakoreshejwe Pix, uburyo bukoreshwa mu murenge wa BNPL - kandi ikorwa n’ikigo ngishwanama GMattos.
Kwiyongera kuburyo bwo kwishyura mubice bidasaba ikarita bishimangira uburyo uburyo bwo kwishyura gakondo, nk'amakarita y'inguzanyo, kugeza vuba aha byagaragaye ko aribwo buryo bwonyine bwo kwishyura mu byiciro, bidakorera igice kinini cy'abaturage. Kurugero, 38% byabanyaburezili ntabwo bafite ikarita yinguzanyo.
Nk’uko ubushakashatsi bwabigaragaje, uburyo bwo Kugura Noneho Kwishura Nyuma, ubu buza ku mwanya wa 4 mu kwemererwa kuri interineti, burimo kuziba icyuho n’uburyo bwashyizwe ku mwanya wa 3, boleto (urupapuro rwa banki). Muri Nyakanga 2022, itandukaniro riri hagati yuburyo bubiri ryarenze amanota 60 ku ijana. Muri Gicurasi 2024, iri tandukaniro ryari ryaragabanutse kugera ku manota 17.5 ku ijana, byerekana uburyo bwo kwishyura bwa BNPL (Kugura Noneho Kwishura Nyuma).
Byongeye kandi, mugihe dukurikirana muri rusange kwemerwa kwa BNPL kumurongo, tumaze kubona igipimo cyo kwakirwa ku gaciro kayo k’amateka kuva yatangira gupimwa, kikagera kuri 42.4% muri Gicurasi 2024.
Mu gihe BNPL (Umwirondoro w’ubucuruzi w’igihugu cya Berezile) igenda yiyongera ku isoko, hari umuvuduko rusange mu kuzamuka kw’igurisha rya interineti, bitera ihungabana ku bacuruzi bagerageje kwisubiraho bashaka uburyo bushya bwo kuzamura amafaranga kugira ngo bishyure icyifuzo gikonje.
Impuzandengo ya buri mwaka yo kugurisha kumurongo kuva 2019 kugeza 2022 yari hejuru ya 20%, mugihe mumwaka wa 2023 yageze hejuru ya 13% gusa, biteganijwe ko kugabanuka kumyaka mumyaka iri imbere. Uku guhungabana gutera abadandaza gushaka inzira zo gutsinda inzitizi binyuze mubikorwa nko gusuzuma uburyo bwo kwishyura amakarita yinguzanyo yabo, gukora ubushakashatsi no gushyira mubikorwa uburyo bushya, nka BNPL (Inyungu yuzuye).
Abacuruzi bagiye kandi bashaka ingamba zifasha kuzamura ibiciro byo kugura ibicuruzwa, birimo urugero, gusuzuma uburyo bwo gukumira uburiganya. Birasanzwe ko abadandaza bagira umubare munini wubuguzi bwikarita yinguzanyo banze kubera isesengura ryibyago, bigira ingaruka kumihindagurikire y’ibicuruzwa, kubera ko bimwe muri ibyo byangwa bishobora kuba birimo ibicuruzwa byemewe.
Ubushakashatsi bwite bwa Pagaleve bugereranya ko, mu 2023 honyine, ingano yatakaye bitewe n’ubucuruzi bwahakanwe n’urubuga rwo kurwanya ruswa rwo kugura ibicuruzwa bifite imipaka irenga miliyari 200. Byongeye kandi, mu myaka 5 ishize, urwego rwo kwishyura rwananiwe kwemeza amafaranga arenga miliyari 700 z'amadolari yo kugura ku baguzi bafite imipaka ihagije y'inguzanyo.
Henrique Weaver, Umuyobozi mukuru akaba ari nawe washinze Pagaleve, asobanura ko mu kunoza igipimo cyo kwakira ubwishyu no kugabanya inzitizi mu rugendo rwo kugura abakiriya, abadandaza bashobora kwihagararaho cyane ku isoko kandi bakagurisha byinshi. Yagaragaje ati: "Kwemeza BNPL binyuze muri Pix Parcelado ni ngombwa. Ibi ntibigamije kongera ibicuruzwa gusa, ahubwo binagabanya no kwangwa bidakwiye, bishimangira guhangana mu bukungu bugoye."
Weaver akomeza asobanura ko ikintu cy'ingenzi mu kugabanya igipimo mpuzandengo cyo guhindura iyo ukoresheje amakarita y'inguzanyo mu kugura kuri interineti ari ukwangwa bikabije. Impuzandengo yo guhindura ibintu kugura umuntu ni 95% ugereranije na 70% kubigura kumurongo. Ihuriro ryo gukumira rifite inshingano zingenzi zo kugabanya igihombo cyatewe no kwishyurwa. Nyamara, muriki gikorwa cyo gukumira, ibikorwa bimwe byangwa kubera ibyago, ariko rimwe na rimwe bikosha, bigatuma igabanuka ryikarita yo kugura. Weaver ashimangira ati : "Ku bashaka kwirinda amafaranga menshi yo kwishyurwa cyangwa kugira ibicuruzwa bishobora kwangwa na sisitemu zo kurwanya ruswa, gushyira mu bikorwa uburyo bwo kwishyura butishyuza amafaranga yishyurwa cyangwa ngo abacuruzi baryozwe uburiganya ni igisubizo cyiza"
Urugero, GMattos ivuga ko mu bucuruzi bwa e-bucuruzi hamwe na EBITDA (igipimo cy’imari gikoreshwa mu gusuzuma isosiyete no gusobanukirwa n’amafaranga yinjira) ya 5%, kunoza ihindurwa ry’amagare amanota 5 ku ijana bivuze kuzamura EBITDA yayo kuri 7.5%, cyangwa kuzamuka kwa 50%.
Guhungabanya amakarita ashyigikira itangwa rya BNPL.
Nubwo buri gihe bifatwa nkibyingenzi, gucunga amakarita yo kugura ntabwo byigeze bihabwa agaciro nkuko bimeze ubu, mugihe amaduka yashakishaga uburyo bwo kugabanya ingaruka zo kugabanuka kwinjiza biterwa no kudindira kwa e-bucuruzi.
Kugirango uhindure igipimo mpuzandengo cyo kugenzura, ingamba imwe ni uguteza imbere ikoreshwa ryuburyo bwo kwishyura buzwi neza. Ni muri urwo rwego, Pix iragaragara, igera ku kigereranyo cyo kugereranya igare rya 90% cyangwa irenga, kandi nuburyo bwo kwishyura hamwe nibikorwa byiza byemewe.
Ikarita y'inguzanyo, nubwo ifite umwanya wa kabiri kurutonde, ifite uburyo bwo kwishyura bwishyurwa. Ubushakashatsi bwa Pagaleve bwerekana ko muri Gicurasi uyu mwaka habaye ihindagurika muri gahunda yo kwishyura nta nyungu ikoresheje ikarita y'inguzanyo. Itangwa ryo kwishyura-10-byishyurwa, kurugero, ryaragabanutse cyane, mugihe gahunda ya 3- na 6-yiyongereye. Imyitozo yo gutanga kugabanuka kwishura amafaranga hamwe namakarita yinguzanyo yagumye ihagaze neza kuri 8.5% yububiko, igipimo kimwe nu bipimo byabanje. Ku rundi ruhande, amaduka 29% yatangiye gutanga uburyo bwo kwishyura mu byiciro hamwe n'inyungu ku makarita y'inguzanyo, kwiyongera ugereranije na 24% byanditswe muri Werurwe 2024 na 15% muri Nzeri y'umwaka ushize.
Henrique Weaver asobanura ko uyu mutwe uteganijwe, bitewe n’ihinduka ry’ikoranabuhanga mu buryo bwo kwishyura ndetse n’urwego rw’ubucuruzi rugamije kugabanya ibiciro bijyanye no kutishyura no kuriganya, bitwara hafi 2% y’amafaranga yinjira mu bacuruzi, nk'uko ubushakashatsi bwa mbere bwakozwe na Pagaleve . Yashoje agira ati: "Kugabanuka kw'itangwa ry'ibyiciro bitarimo inyungu mu gihe gito birashobora kwerekana ingamba zo gucunga neza amafaranga ku maduka, gushaka guhuza ibiciro byo gukora no gukomeza guhangana. Ku rundi ruhande, kwiyongera kw'ibice byishyurwa hamwe n'inyungu bishobora guterwa no gukenera kwemeza inyungu mu gihe ubukungu bwifashe nabi."
