Mu gihugu gifite urusobe runini rwa fintech muri Amerika y'Epfo, isosiyete ikorera muri Minas Gerais M3 Lending ifite intego yo gufata umwanya uhagije no koroshya inguzanyo ku mishinga mito n'iciriritse (SMEs) ifite ikoranabuhanga rigezweho kandi bitoroshye. Kugira ngo ibyo bishoboke, fintech imaze gutangaza ishoramari ry’amadorari 500.000 muri Valence, itangizwa na Minas Gerais kabuhariwe mu buhanga bw’ubukorikori (AI).
Uru rugendo rubaho hagati yisoko ryaguka vuba. Burezili iyoboye isoko rya fintech muri Amerika y'Epfo, hamwe na fintechs 1,706 ikora mu 2025, nk'uko Distrito ibivuga, bingana na 32% by'imishinga yatangije imari mu karere, bitewe no gusaba inguzanyo, uburyo bwo kwishyura hakoreshejwe ikoranabuhanga, ndetse no gukemura ibibazo bya banki .
Umuyobozi mukuru wa M3 Lending, Gabriel César agira ati: "Ubwenge bw'ubukorikori butuma duhinduka buri munsi. Hamwe na Valence, twaguye ubushobozi bwacu bwo gusesengura no gutanga serivisi, kugabanya igihe cyo kuyobora, no kunoza ubunararibonye bw'abakiriya. Iyi ni imwe mu ntego zacu zo gutuma inguzanyo zoroha ku bateza imbere ubukungu bw'igihugu."
M3 yashinzwe muri Belo Horizonte, ihuza abashoramari na SMEs, itanga igipimo kigera kuri 22% munsi y’amafaranga yishyurwa n’amabanki gakondo, mu bikorwa 100% bya digitale na bureaucracy. Noneho, hamwe no gukoresha AI, fintech igamije gukora urusobe rwimari rwuzuye rwimari, ruhuza inguzanyo, amakuru, hamwe na serivisi zihuriweho nubucuruzi.
Muri Burezili, imishinga iciriritse n’iciriritse igera kuri 27% bya GDP kandi ni yo shingiro ry’imirimo irenga kimwe cya kabiri cy’imirimo isanzwe, nk'uko amakuru aturuka muri Sebrae / IBGE abitangaza, ariko mu mateka bahura n'ingorane zo kubona inguzanyo mu bihe bifatika. Abahanga bemeza ko kwinjiza ubwenge bw’ubukorikori mu isesengura ry’inguzanyo bishobora kugabanya ibiciro, kunoza neza isuzuma ry’ingaruka, no kwihutisha itangwa ry’umutungo, bikingura izamuka ry’icyiciro cy’ubukungu.
Umuyobozi mukuru wa M3 asoza agira ati: "Turashaka kubaka ikiraro cyiza hagati y'abashoramari bashaka inyungu zihamye ndetse n’amasosiyete akeneye igishoro kugira ngo akure. Turimo gushiraho umuyoboro wizewe, ukorera mu mucyo, kandi woroshye utuma amafaranga azenguruka aho atanga agaciro nyako: mu mishinga mito n'iciriritse, ari yo moteri y'igihugu".
Gabriel avuga ko ishoramari muri Valence "ari intambwe ijyanye n'ibihe aho fintechs itakiri umuhuza w'inguzanyo gusa ahubwo ko yihagararaho nk'urubuga rwa serivisi rw’imari ihuriweho, rushingiye ku makuru n'ikoranabuhanga." Ku isoko, ni ikimenyetso cyerekana ko, mubidukikije bya fintech irushanwa, imikorere nubwenge bwinjijwe bizagenda bitandukana.
