Mugucuruza, umutekano wubucuruzi bwa e-ubucuruzi wahoraga uhangayikishijwe n’iterabwoba rikomeje kwibeshya. Ikarita y'Uburiganya 2023, yasohowe na ClearSale, yakusanyije amakuru y'ingenzi ku kugerageza kugurisha kuri interineti muri Berezile mu mwaka ushize, harimo ibyiciro by'ibicuruzwa byibasiwe cyane n'abashuka uburiganya, abareba, ndetse n'uburyo bwo kwishyura byagize ingaruka cyane.
Mu mwaka ushize, abantu barenga miliyoni 3.7 bagerageje kugerageza uburiganya, bingana na 1.4% by'ibicuruzwa byose byashyizwe ku mbuga za interineti. Kubireba abarebwa n’intego, abagabo bakunda kwibasirwa n’ibanze, agaciro kabo kagerageje kugera kuri miliyari 1,1 y’amadolari, urebye impuzandengo yo kugura amafaranga 1,042.09. Abantu kugeza ku myaka 25 nabo nibo bibasiwe cyane ugereranije nandi matsinda, bangana na 1.9% byabagerageje.
Raporo yerekana kandi ko icyerekezo cyagize ingaruka ku bicuruzwa by’abacuruzi: impuzandengo yo gutumiza ibicuruzwa byagerageje uburiganya mu 2023, ku madolari 925.44, yikubye inshuro ebyiri igiciro cyo gutumiza ibicuruzwa byemewe. Kubwibyo, uburiganya bugira ingaruka mubikorwa byingenzi mubicuruzwa.
Igitabo cya mbere cy’ubushakashatsi cyashinzwe na Pagaleve - isosiyete ikora fintech itanga uburyo bwo kwishyura Pix Parcelado - kandi ikorwa n’ikigo ngishwanama GMattos, yerekana ko, muri Werurwe 2024, ikigereranyo cyo kugereranya uburiganya ku mucuruzi kigereranya hafi 1.9% y’ibyo binjiza, harimo n’amafaranga ajyanye no kwishyura ndetse n’ibikoresho byo kurwanya uburiganya. Kubwibyo, uburyo bwo kwishyura bugabanya ingaruka burakenewe cyane kubacuruzi.
Uburyo bwo kwishyura kugirango wirinde uburiganya
Ikarita ya Fraud yerekanye ko, mu buryo bwo kwishyura bukoreshwa cyane mu kugerageza uburiganya mu 2023, amakarita y'inguzanyo yaje ku mwanya wa kabiri, agera kuri miliyoni 3.4 yagerageje, ahwanye na miliyari 3.4 reais; inyuma yinyandiko za banki gusa, hamwe na miliyoni 121.7 zagerageje uburiganya, zigera kuri miliyoni 13.1 reais.
Ibiruhuko akenshi bizana kwiyongera kubigerageza. Ku munsi w’ababyeyi muri uyu mwaka, urugero, amakuru yaturutse muri Clearsale yerekana ko kugerageza uburiganya byinjije hafi miliyoni 92 z'amadolari y’Amerika, bikaba byiyongereyeho 4.1% ugereranije n’umwaka ushize.
Ati: "Birumvikana ko amakarita y'inguzanyo akoreshwa kenshi mu kugura ibyiciro, bitewe n'uko ari uburyo bwo kwishyura kandi busanzwe mu Banyaburezili. Ariko ni ngombwa kumenya ko hari uburyo bwo kwishyura mu byiciro budasaba ikarita y'inguzanyo: Pix Parcelado. Ubu buryo bwo kwishyura buzigama amafaranga y'abacuruzi ajyanye n'uburiganya mu gihe butanga ubundi buryo bwo kwishyura, butuma abaguzi benshi bagura ku rubuga rwa interineti rw’ubucuruzi rwa Risk. Romão yongeyeho ati: "Byongeye kandi, Pix Parcelado nka Pagaleve zifite ingaruka zose n'amafaranga ajyanye n'uburiganya."
Pix Parcelado yerekana uburyo bwo kwishyiriraho abakiriya badakorerwa neza namakarita yinguzanyo - bityo bikagira uruhare mu kwagura ibicuruzwa no kongera ibiciro by’abacuruzi.
Guilherme asoza agira ati: "Nkuko muri iki gihe usanga utigera ubona amaduka yo kuri interineti adafite uburyo bwo kwishyura amakarita y'inguzanyo, twizera ko, mu gihe cya vuba, abo bacuruzi batemera Pix Parcelado bazasigara inyuma. Ikigaragara ni uko ubu buryo bwo kwishyura bwiyongera cyane mu myaka iri imbere kandi bugahuriza hamwe nk'uburyo bukoreshwa mu kwishyura mu gihugu cyacu."
