Urupapuro 11​

Ku wa gatanu mbere y’umukara: Ku mwaka wa kabiri wikurikiranya, abaguzi bateganya kugura no kugurisha ibicuruzwa byiyongereyeho 4.2% mu minsi ya mbere yUgushyingo, nk'uko Cielo abitangaza.

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Ku wa gatanu mbere y’umukara: Ku mwaka wa kabiri wikurikiranya, abaguzi bateganya kugura no kugurisha ibicuruzwa byiyongereyeho 4.2% mu minsi ya mbere yUgushyingo, nk'uko Cielo abitangaza.

Ku wa gatanu wirabura watangiye kare muri Berezile. Nk’uko ICVA (Cielo Expanded Retail Index) ibigaragaza, ibicuruzwa byose byagurishijwe byiyongereyeho 4.2% hagati y'itariki ya 1 na 15 Ugushyingo, ugereranije n'icyo gihe cyashize umwaka ushize, bishimangira icyerekezo cyo kuzana ibicuruzwa mu ntangiriro z'ukwezi. Uru rugendo rwayobowe numuguzi ufatika, uzi gukoresha imibare yitaye kumurongo muremure wabanjirije ibirori.

E-ubucuruzi bukomeje kuba ikintu cyuzuye: cyazamutseho 10,6% mu rwego rwo kugeza ku wa gatanu wirabura. Ku rundi ruhande, gucuruza ku mubiri, byateye imbere 2.7%. Iyi myumvire ishimangirwa nimyitwarire yumunsi-umunsi: kugurisha kumurongo bikomeza ijoro ryose, mugihe ibicuruzwa byumubiri byibanda kumpera ya mugitondo na nimugoroba. Muri rusange, abaguzi bakoresheje impuzandengo ya $ 110.44 kuri buri gikorwa. 

Iyi mibare yemeza imbaraga zo gukoresha hakiri kare kandi igashimangira iki gihe nkimwe mubyingenzi kuri kalendari yo kugurisha.

IMirenge

Mu isesengura ry’umurenge, Ubukerarugendo n’ubwikorezi byayoboye iterambere, hiyongeraho 11.5%, hagakurikiraho amaduka n’imiti (+ 8.8%) na Supermarkets na Hypermarkets (+ 4,6%). Iyi mikorere ishimangira ibyifuzo byibyiciro bijyanye na gahunda, gahunda, imibereho myiza, nuburambe. Ibinyuranye, igice cyimyambaro na siporo byagabanutseho 4.0%, byerekana guhitamo byinshi mubikoresha.

GUKORA AKARERE

Uturere twose twagize iterambere muri kiriya gihe. Amajyepfo yerekanye ibisubizo byiza, hiyongereyeho 3,7%. Ibyo byakurikiwe na: Amajyaruguru (+ 2,7%), Amajyaruguru y'Uburasirazuba n'Amajyepfo y'Iburasirazuba (byombi + 2,6%), na Hagati-Iburengerazuba (+ 1,3%). 

Muri Leta, Minas Gerais yayoboye yiyongereyeho 5.1%, ikurikirwa na Paraná (+ 4.3%) na Bahia (+ 4.0%). Ibinyuranye, leta ya Amazone yagabanutseho 3,7% yinjira mubicuruzwa.

NINDE UFATANYIJE MU WA MBERE 2025?

Dukurikije umwirondoro w’abaguzi, hari uruhare runini rw’abagabo mu kwinjiza amafaranga (55% vs 45%), ariko hamwe n’impuzandengo y’amatike angana: abagabo bakoresheje impuzandengo y’amadolari 112.97 n’abagore, amadolari 111.29 mu gihe cy’ubushakashatsi.

Kubijyanye nuburyo bwo kwishyura, igihagararo ni inguzanyo yo kwishyurwa, hamwe itike yo kugereranya $ 647.71, hejuru cyane ugereranije nizindi. Kuri PIX (Sisitemu yo kwishyura ako kanya muri Berezile), impuzandengo yari $ 63.46. Iyo amahitamo yagombaga kwishyura ukoresheje ikarita yo kubikuza, impuzandengo yagereranijwe ni $ 69.76.

Ku bijyanye n’umwirondoro winjiza, igurishwa ryinshi ryagurishijwe ni mu baguzi binjiza amafaranga make n'abaciriritse, hamwe hamwe bangana na 82% by'ibicuruzwa. Nyamara, iki gice kigaragaza gusa 66.1% yinjiza, kuko bagura ibicuruzwa bihendutse kuruta abakoresha amafaranga menshi cyangwa menshi.

Umwirondoro wabaguzi mugihe cyabanjirije vendredi 2025 yerekana ubwiganze bwabumva bifitanye isano no kugura burimunsi. Abantu benshi cyane muri iki gihe ni abibanda ku mafaranga yabo muri supermarket, bashinzwe kwinjiza 25,6%, bakurikirwa n’abari mu nganda z’ibiribwa, bangana na 13.7%, n’abareba imideli, hamwe 10.8%.

Carlos Alves, Visi Perezida w’ubucuruzi, Carlos Alves, agira ati: "Umuguzi w’abaguzi mu gihe cyabanjirije umunsi wa gatanu w’umukara 2025 ugaragaza urwego rw’ubucuruzi rugenda rwiyongera, rutandukanye, kandi rufite imbaraga. Hamwe n’ubucuruzi bukomeye bwa e-bucuruzi, tubona Abanyaburezili bashaka uburyo bworoshye, uburyo bwo kwishyura mu byiciro, hamwe n’ubunararibonye muri za supermarket na gastronomie. Uruhare runini rw’inguzanyo zishyurwa hamwe n’izamuka ry’ibiciro by’itike mu baguzi binjiza amafaranga menshi byerekana ibicuruzwa bikoreshwa."

UBURYO

Isesengura ryerekana ibikorwa byakozwe na Cielo hagati yitariki ya 1 na 15 Ugushyingo 2025, ugereranije nigihe cyo kuva ku ya 2 Ugushyingo kugeza ku ya 16 Ugushyingo 2024, nkurikije uburyo bwa ICVA. Ironderero ririmo kugurisha ibicuruzwa biva mu mubiri na sisitemu kandi ni kimwe mu bipimo ngenderwaho mu kugenzura igihe nyacyo cy’ubucuruzi bwa Berezile.

KUBYEREKEYE ICVA

Indangantego ya Cielo Yagurishijwe (ICVA) ikurikirana ubwihindurize buri kwezi bw’ibicuruzwa byo muri Berezile, bishingiye ku kugurisha mu mirenge 18 yashushanijwe na Cielo, guhera ku bacuruzi bato kugeza ku bacuruzi benshi. Uburemere bwa buri murenge mubisubizo rusange byibipimo bisobanurwa nimikorere yukwezi.

ICVA yatunganijwe n’akarere ka Cielo's Business Analytics hagamijwe gutanga ishusho ya buri kwezi y’ubucuruzi bw’ibicuruzwa by’igihugu bishingiye ku mibare ifatika.

BIGARAGARA GUTE?

Ishami rya Cielo's Business Analytics ryateje imbere imibare n’imibare ikoreshwa ku bubiko bw’isosiyete hagamijwe gutandukanya ingaruka z’umucuruzi waguze isoko - nko gutandukanya imigabane ku isoko, gusimbuza sheki n’amafaranga mu gukoresha, ndetse no kuvuka kwa Pix (sisitemu yo kwishyura muri Berezile ako kanya). Muri ubu buryo, icyerekezo ntigaragaza gusa ibikorwa byubucuruzi binyuze mu gucuruza amakarita, ahubwo binagaragaza imbaraga nyazo zo gukoresha aho zigurishwa.

Iyi ngingo ntabwo isobanura mbere ibisubizo bya Cielo, bigira ingaruka kubandi bashoferi benshi, haba mubyinjira n’ibiciro ndetse n’ibisohoka.

DUSOBANUKIRWE

ICVA Nominal - Yerekana ubwiyongere bw'amafaranga yagurishijwe ku izina mu bucuruzi bwagutse bwagutse muri icyo gihe, ugereranije n'icyo gihe cy'umwaka ushize. Irerekana ibyo umucuruzi yitegereza mubicuruzwa byabo.

ICVA Yangiritse - Nominal ICVA yagabanijwe kubiciro. Ibi bikorwa hifashishijwe deflator ibarwa uhereye ku giciro cyagutse cy’umuguzi (IPCA), yakozwe na IBGE, ihindurwa no kuvanga nuburemere bwimirenge yashyizwe muri ICVA. Irerekana iterambere nyaryo ryurwego rwo gucuruza, nta musanzu wo kuzamura ibiciro.

Nominal / Deflated ICVA hamwe no guhindura kalendari - ICVA idafite ingengabihe yingaruka igira ukwezi / igihe runaka, mugihe ugereranije ukwezi / igihe cyumwaka ushize. Irerekana umuvuduko wo gukura, itanga kwitegereza kwihuta no kwihuta mubipimo.

ICVA E-ubucuruzi - Ikimenyetso cyerekana ubwiyongere bwinjiza bwizina kumurongo wo kugurisha kumurongo, mugihe ugereranije nigihe gihwanye numwaka ushize.

Itsinda rya Habib ryatangije umunsi waryo wumukara wumunsi wagabanutse kugera kuri 95%. 

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Itsinda rya Habib ryatangije umunsi waryo wumukara wumunsi wagabanutse kugera kuri 95%. 

Itsinda rya Habib, nyiri ibicuruzwa bya Habib na Ragazzo, riratangaza ku mugaragaro ko ku wa gatanu wa Bib, hashyizweho imwe mu bukangurambaga bukabije bwo kwamamaza bwakozwe na sosiyete. Ubukangurambaga butanga kugabanyirizwa 30% kugeza kuri 50% kubigura byakozwe binyuze muri porogaramu ya Habib, byemewe kugeza ku ya 7 Ukuboza. Abakiriya bahitamo kwishyura bakoresheje Kanda kuri Bwishyura hamwe na Mastercard, binyuze muri porogaramu ya Habib, bafite inyungu nini cyane hamwe n’igabanywa rigera kuri 95%, riboneka kugeza ku ya 30 Ugushyingo.

Ahantu Ragazzo na Ragazzo Express, abaguzi barashobora kwishimira kugabanuka kugera kuri 50% kumatara yatoranijwe hagati yitariki ya 17 Ugushyingo na 7 Ukuboza. Iterambere ryemewe kubicuruzwa byashyizwe ahagaragara ukoresheje ama coupons yihariye kuri App ya Ragazzo.

Mubukangurambaga bwibirango byombi, abaguzi barashobora kwitabira inshuro nyinshi uko bashaka, nta mbibi zikoreshwa kuri CPF (nimero iranga imisoro yo muri Berezile).

Mu ntego yo kuzamura ibicuruzwa no gushimangira umubano n’abayumva, Itsinda ryateguye ingamba zidasanzwe zo ku wa gatanu w’umukara, rimwe mu matariki akomeye kuri kalendari yamamaza muri Berezile.

iMile Gutanga bishimangira imiyoboro y’ibikoresho by’igihugu kandi ikura 250% mu ijoro ryabanjirije umunsi wa gatanu.

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iMile Gutanga bishimangira imiyoboro y’ibikoresho by’igihugu kandi ikura 250% mu ijoro ryabanjirije umunsi wa gatanu.

Bimaze gushyirwaho nk'imwe mu matariki y'ingenzi yo kugurisha ku mubiri no ku buryo bwa digitale, biteganijwe ko ku wa gatanu w'icyumweru 2025 uzinjiza miliyari 13.6 z'amadolari y'Amerika, izamuka rya 16.5% ugereranije na 2024, nk'uko ubushakashatsi bwakozwe n'ikigo ngishwanama Gauge kibitangaza ku bufatanye n'ikigo W3haus.

Mu gutegereza ko izamuka ry’ibikenewe ryiyongera, iMile Delivery , isosiyete ikora ibijyanye n’itumanaho rya interineti ku isi hose ku bucuruzi bwa e-ubucuruzi kandi ifite ibihugu mu bihugu birenga 30, yaguye ishoramari kandi inoza ibikorwa by’ibikoresho muri Burezili kuva mu ntangiriro z'umwaka.

Iterambere riva mu kwagura imiyoboro yo gukwirakwiza no gushimangira ubufatanye n’abashoferi n’abakora mu karere, kugeza gufungura ibigo bishya byo gukwirakwiza uturere (RDCs) - byibanda ku kunoza igihe cyo gutanga no kugabanya ibiciro by’imizigo.

Kugeza mu 2025, iMile Gutanga bizaba bimaze gufungura ibigo birindwi bishya byo gukwirakwiza kandi bizashyira mu bikorwa ikindi kimwe, byose hamwe bigere ku bice 19 bikorera muri Berezile. Kugeza ubu muri leta zifatika-nka Bahia, Goiás, Mato Grosso, Minas Gerais, Pará, Pernambuco, Piauí, Paraná, Rio de Janeiro, Rio Grande do Sul, Santa Catarina, na São Paulo - ibikorwa by'isosiyete bimaze guhunika m than zirenga 50.000 m².

Umubare wa CSPs (Umuyoboro wa Service Service) , abafatanyabikorwa mu karere bashinzwe ibikorwa bya capillarite y’iki gikorwa, wavuye kuri 300 ugera ku barenga 450 , mu gihe umubare w’abashoferi biyandikishije urenga 15.000 , bivuze ko wiyongereyeho 50% na 7%, ugereranije n’igihe kimwe cyo mu 2024.

Umuyobozi mukuru ushinzwe iterambere rishya ry'ubucuruzi muri iMile muri Berezile, Nadia Cruz agira ati: "Twashyizeho ubufatanye mu rwego rwo kwagura ibyo dukora, kugabanya igihe cyo gutanga, bityo rero, n'ibiciro byo gutanga ibikoresho. Izi ni zimwe mu nzira twanyuzemo mu 2025 kugira ngo umusaruro ushimishije."

iMile Gutanga ikorana nubucuruzi bukora neza cyane buhuza Ibigo byayo bikwirakwiza, muburyo bufatika mugihugu hose, hamwe numuyoboro ukomeye wabafatanyabikorwa mukarere (CSPs). Ihuriro rituma isosiyete idakorana gusa niterambere ryigihugu gusa, hamwe nibiciro byiza nibisubizo kubakiriya na e-ubucuruzi, ariko kandi bigahinduka cyane kugirango bikemure ibihe bikenewe nko kuwa gatanu wumukara n'amatariki y'ibihe.

: "Mu 2025, tuzaba tumaze kurenga ibyo twanditse kandi turenga miliyoni esheshatu zapakishijwe buri kwezi , ubwiyongere bwa 250% ugereranije n'umwaka ushize ." Igihe cy'impeshyi nikigera - igihe gikubiyemo amatariki y'ingenzi nka vendredi y'umukara na Noheri - twizeye ko ibisubizo bizaba byiza kurushaho. Umwaka urangiye, tugomba guca amateka mashya y'ibikorwa."

Kugeza ubu muri Berezile kuva 2022, Gutanga iMile bifite ibihangano biherereye muri Barueri (SP). Uburebure bwa kilometero 1,1 n'ubushobozi bwo gutunganya ibicuruzwa bigera ku 800.000 kumunsi, ibikoresho biri mubigezweho mumirenge mugihugu. Kuva yahagera, iyi sosiyete kandi yaguye itsinda ryayo kuva ku 100 igera ku bakozi barenga 400, igendana n'iterambere ryihuse ry'ibikorwa byayo.

Umunsi wo kuwa gatanu wirabura ugwiza umutekano uhumye mumasosiyete, aragabisha Tenable.

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Umunsi wo kuwa gatanu wirabura ugwiza umutekano uhumye mumasosiyete, aragabisha Tenable.

Mugihe kuwa gatanu wumukara na Cyber ​​kuwa mbere wegereje, abadandaza kumubiri na digitale bihutira kwagura ibikorwa remezo byabo, gushiraho seriveri nshya, guhindura imikorere, no kuvugurura sisitemu kugirango bashyigikire impinga. Muri iki gihe, kwibanda cyane kubikorwa no gukora birashobora kuba bihishe ikibazo kigenda cyiyongera: kwaguka bucece ahantu h'umutekano uhumye mumitungo ya IT, OT, igicu, hamwe nurubuga rwa interineti, rushobora gukoreshwa nitsinda ribi mugihe gikomeye cyane cyumwaka mubucuruzi.

Nk’uko Scott Caveza, injeniyeri mukuru w’ubushakashatsi muri Tenable abitangaza ngo abagizi ba nabi ntibaruhuka. Bitandukanye n’abaguzi bateganya ibiruhuko ningendo, abateye bagenzura iyongerekana ryubwinshi bwibikorwa kandi bagashaka imiyoboro idahwitse mumutekano wimiryango. Hamwe n’ibibazo birenga 300.000 bikunze kugaragara (CVEs) byanditswe kuri CVE.org, amatsinda yumutekano ahura ningorabahizi ya buri munsi yo gushyira imbere icyingenzi, kandi ibyemezo bidakwiriye muri sisitemu yo kuruhuka triage, amakuru yabakiriya, nandi makuru ari mukaga.

Ni muri urwo rwego urubuga rwo gucunga imurikagurisha rugira akamaro mu gutanga ibitekerezo byuzuye ku mutungo, ni ukuvuga imiyoboro yose ya interineti ibigo bifite. Ikoranabuhanga rifasha kumenya sisitemu ishyigikira ibikorwa byubucuruzi kandi ikerekana uburyo intege nke zishobora kubagiraho ingaruka. Aho gufata inenge zose zingana, intego ni ugusobanukirwa ibyerekanwa, bifatanije nindangamuntu nke hamwe nuburyo butari bwo, byongera ibyago nyabyo byibitero.

Kwihutira gutangiza promotion, gutunganya imbuga za interineti, no guhuza uburyo bushya bwo kwishyura nabyo byongera igitero. Porogaramu yihariye y'urubuga na CMS (sisitemu yo gucunga ibikubiyemo) bisaba gusuzumwa no kugenzura guhoraho kugirango umenye ibibi, intege nke, n'intege nke zishobora guhungabanya ibikorwa byimari namakuru yihariye. Indangamuntu zidafite umutekano cyangwa uburenganzira burenze urugero butuma igitero cyagerwaho kibaho muntambwe nkeya, mubyukuri mugihe ibikorwa bidashobora guhagarara.

Caveza agira ati: “Nubwo benshi bategereje ko iminsi mikuru irangira, hackers bakora ibinyuranye na byo: bongera ingufu mu bikorwa byabo kugira ngo bashakishe intege nke zishobora gukoreshwa.” “Kugira ngo ibyago bigabanuke, amashyirahamwe akeneye kugaragara no gushishoza kugira ngo agaragaze ko umutungo wabo uri mu kaga.”

Mugihe cyibiruhuko, ingano yoherejwe, ivugururwa, hamwe noguhuza byiyongera cyane, bikongerera amahirwe yo guhungabanya umutekano. Ibidukikije birimo umutungo wa IT, OT, igicu, indangamuntu, hamwe nurubuga bisaba kwitabwaho cyane. Kumenya intege nke zitaruye ntibihagije; ni ngombwa kumva imiterere yimurikabikorwa mubikorwa remezo byose.

Ibyifuzo bya Tenable bikubiyemo uburyo bufatika bwo kumenya ibyerekanwe, guhora usesengura umutungo wingenzi, no kugabanya ingaruka mbere yuko zikoreshwa. Gusa muri ubu buryo, ibigo bishobora kuva mu myifatire idahwitse, bikarinda abacengezi, kandi bigakomeza ibikorwa byumutekano mugihe cyinshi cyumwaka cyo kugurisha.

Visa iteza imbere ejo hazaza h'ibigo bito n'ibiciriritse mu Ihuriro rya VII Ibero-Amerika

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Visa iteza imbere ejo hazaza h'ibigo bito n'ibiciriritse mu Ihuriro rya VII Ibero-Amerika

Iyi nama yateguwe na SEGIB, CEIB, Minisiteri y’inganda n’ubukerarugendo muri Esipanye, Cabildo ya Tenerife, Guverinoma y’ibirwa bya Canary, na CEOE Tenerife, izahuza abahagarariye abagera ku 100 baturutse mu nzego za Leta n’abikorera bo mu bihugu 22 bya Ibero-Amerika, bahuriza hamwe urubuga rwihariye rw’ibiganiro, ubufatanye, ndetse n’ibikorwa bigamije imishinga mito, ntoya, ndetse n’iciriritse.

Inkunga ya Visa ntabwo ishimangira gusa ubushake bwo guteza imbere ubucuruzi mu karere, ahubwo inashyira iyi sosiyete nk'umufatanyabikorwa wizewe mu kuzamura iterambere mu bigo bito n'ibiciriritse birenga miliyoni 93 byo muri Amerika y'Epfo na Karayibe, bishinzwe 60% by'akazi gasanzwe.

Ana María Rojas, Visi Perezida w’ishami rishinzwe gukemura ibibazo by’ubucuruzi n’amafaranga muri Visa y'Epfo na Karayibe, yagize ati: “Ibyo twiyemeje ni ugukorana na guverinoma, ingereko z’ubucuruzi, ndetse n’urwego rw’imari kugira ngo twihutishe ikoreshwa ry’ibikoresho bya sisitemu bituma imishinga mito n'iciriritse itera imbere kandi igahatana nka moteri nyayo y’ubukungu n’akazi mu karere.” Yongeyeho ati: “Turashaka kurenga ku buryo bwo kwishyura: kuzamura ubushobozi bwa digitale, kugera ku makuru na serivisi, no kugira uruhare rugaragara mu iterambere ry’akarere hifashishijwe gukorera mu mucyo kurushaho, gukurikiranwa, no gushyira mu bikorwa, bihujwe n’ibyingenzi rusange.”

Visa izaba ifite imbaraga muri iyi nyandiko, ibera ku nteruro igira iti "Ubucuruzi buciriritse ku bihugu binini" kandi bwubatswe ku mashoka ane yibanze: Ifasi, Impano, Guhinduka, no gukurura. Binyuze mu itsinda ryayo ry’ubucuruzi, Isosiyete izateza imbere ibikoresho byorohereza kubona inkunga, kunoza imicungire y’imari ikora, no guhuza imishinga mito n'iciriritse n’urunigi rw’agaciro ku rwego mpuzamahanga ndetse no ku rwego mpuzamahanga, ibafasha gukora neza, umutekano, kandi ku buryo bunoze.

Rojas yagize ati: "Visa yuzuye mu bucuruzi buciriritse ikubiyemo imishinga idasanzwe, iy'uburyo, kandi yoroheje ibisubizo by'ubucuruzi bijyanye n'iterambere ndetse n'ibikenewe na buri rwiyemezamirimo."

Nk’uko byatangajwe na visi perezida, iyi sosiyete iherutse gushyiraho ubufatanye bushya na Uplinq, “urubuga rwa mbere rwo gusuzuma no gusuzuma inguzanyo ku isi hose ku bigo bitanga inguzanyo ku bucuruzi buciriritse. Ubu bufatanye buzafasha abatanga isoko muri Amerika y'Epfo na Karayibe kunoza isesengura ry'inguzanyo ku bigo bito n'ibiciriritse, gukoresha uburyo bwa AI bugezweho ndetse na sisitemu yo gusuzuma amakuru ku buryo bworoshye bwo kubona inguzanyo kugira ngo ayo masosiyete yoroherezwe kugera ku iterambere ry’imari kugira ngo ayo majyambere yoroherezwe kugira ngo ayo masosiyete yoroherezwe kugera ku iterambere ry’ishoramari. bikenewe. ”

Hamwe n’abavuga rikijyana barenga 50, barimo abahagarariye guverinoma 15, abayobozi b’ubucuruzi 30, abaperezida 13 b’amashyirahamwe, n’abayobozi 20 bo mu nzego zo mu rwego rwo hejuru, Ihuriro rizagaragaramo kandi intumwa z’ibigo birenga 50 byo mu karere n’imiryango myinshi, nka OIE, OECD, CENPROMYPE, CELIEM, IDB, BCIE, Fundação Carolina, AMPYME, UNE, na COP. Hamwe n’abantu barenga 500 bemejwe n’umuntu witabiriye kandi n’ubwitabire bwagutse, ibirori birashimangira nka hamwe mu mwanya w’ingenzi mu gushimangira urusobe rw’ibigo bito n'ibiciriritse, bituma iyi nyandiko iba imwe mu zifuzwa cyane kandi zihagarariye kugeza ubu.

Usibye ibiganiro nyunguranabitekerezo hamwe n’inama z’ibanze, iyi gahunda ikubiyemo inama ifunze hagati y’inzego za Leta n’abikorera ku giti cyabo, inzira eshatu z’ikoranabuhanga zugururiwe rubanda, ndetse n’ibikorwa bya "Employability Objective", byateguwe na CEIB ku bufatanye na FIJE na Conecta Iberoamérica, byibanda ku ruhare rw’ibigo bito n'ibiciriritse mu gutangiza umurimo no guteza imbere akarere. Niyo mpamvu, Visa yinjiye mu gikorwa cyingenzi kugirango itere imbere igana kuri Ibero-Amerika ihujwe, irushanwa, kandi irambye.

Ubwihindurize bufite intego: kuva kwiyemeza kugera kubikorwa.

Kuva ryasohoka bwa mbere muri Panama (2013), Ihuriro ryigaragaje nk'umwanya udasanzwe wo kuganira ku bigo bito n'ibiciriritse bya Ibero-Amerika. Ku nshuro yayo ya karindwi, abitabiriye amahugurwa bazaganira ku mbogamizi ziriho muri urwo rwego mu rwego rwo guhindura imibare, inzibacyuho y’icyatsi n’ubukungu bwifashe nabi ku isi, biteza imbere ibyemezo bifatika kandi bifatika.

Iyi nama yubatswe kuri 4Ts , ingamba zishaka gushimangira imyenda yubucuruzi ya Ibero-Amerika ishingiye ku nkingi enye:

• Impano - amahugurwa, akazi no kwinjiza kugirango ufungure ubushobozi bwabantu.

• Ifasi - politiki rusange, gutera inkunga, hamwe nibidukikije byangiza ibidukikije.

• Guhinduka - guhanga udushya, gukoresha digitale, no kuramba nkabashoferi bimpinduka.

• Gukurura - ubucuruzi, mpuzamahanga, n'iminyururu y'agaciro itera iterambere.

Ihuriro rihuza umwanya w’ibiganiro by’ingirakamaro no kugira uruhare rugaragara mu minsi ibiri, hamwe n’imbonerahamwe y’ibiganiro, ibiganiro bitera inkunga, hamwe n’insanganyamatsiko yibanze ku mpano, ifasi, impinduka, no gukurura, ihuza impuguke ziturutse mu karere kose.

Kwiyandikisha birakinguye kuri mipyme.espacioempresarialiberoamericano.org

Pix, utishyuye utishyuye, QR code, biometrike, hamwe numufuka wa digitale: ingaruka zikoranabuhanga rishya ryo kwishura kuwa gatanu wumukara 2025.

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Pix, utishyuye utishyuye, QR code, biometrike, hamwe numufuka wa digitale: ingaruka zikoranabuhanga rishya ryo kwishura kuwa gatanu wumukara 2025.

Ku wa gatanu wumukara 2025 uzarangwa no guhuriza hamwe tekinoloji nshya yo kwishyura isezeranya guhindura byimazeyo uburambe bwo guhaha kubakoresha muri Berezile. Hamwe na PIX ikubita inyandiko zikoreshwa, ukuza kwa PIX itagira aho ihurira, hamwe no kwiyongera kwifariso ya digitale, gucuruza muri Berezile biritegura kimwe mubikorwa byubucuruzi byateye imbere mu mateka.

Imibare irerekana ihinduka: muri Nzeri 2025, Banki Nkuru ya Berezile yatangaje ko uburyo bwo kwishyura bwihuse bwanditseho miliyoni 290 zakozwe ku munsi umwe, zose hamwe zikaba miliyari 164.8.

Ubushakashatsi bwakozwe na MindMiners bwerekana ko 67% by'Abanyaburezili basanzwe bakoresha PIX nk'uburyo bwabo bwo kwishyura, mu gihe 47% bahitamo amakarita y'inguzanyo naho 34% bakaba bahitamo amakarita yo kubikuza.

"Ku wa gatanu w’umukara 2025 bizaba umwanya w’amazi ku bicuruzwa byo muri Berezile. Ku nshuro ya mbere, tuzabona ingaruka nyazo z’ikoranabuhanga nka PIX itagira aho ihurira n’urugendo rutagira Redirection mu birori rusange. Ibiteganijwe ni uko ibyo bishya bizagabanya cyane gutererana amakarita y’ubucuruzi kandi byongera cyane igipimo cy’ibicuruzwa. Rabusky, Umuyobozi wubucuruzi muri Lina Gufungura X.

Ikoranabuhanga rihindura vendredi y'umukara.

1) PIX yiganje muburyo bwo kwishyura

PIX yigaragaje nkuburyo bwatoranijwe bwo kwishyura kubanyaburezili. Nk’ubushakashatsi bwakozwe na MindMiners, "Brasilidades - Quantos Brasis cabem nta Brasil?" . Muri e-ubucuruzi, ukurikije ibiteganijwe na Ebanx / PCMI, PIX igomba kuba 44% byagaciro k’ibicuruzwa byo kuri interineti bitarenze impera za 2025, irenga amakarita yinguzanyo (41%).

Urugero, ku wa gatanu w’umukara 2024, PIX yari imaze kwerekana imbaraga zayo, yimura miliyari 4.3 z'amadolari y’Amerika mu bucuruzi, yiyongereyeho 45.8% ugereranije n’umwaka ushize, nk'uko ya Wake's Black Friday

2) PIX Yishyuye Kutishyura: ubwishyu butishyurwa burimo kwiyongera.

Yatangijwe ku mugaragaro muri Gashyantare 2025, PIX itishyurwa ikoresha ikoranabuhanga rya NFC (Hafi y’itumanaho) kugira ngo abakiriya bishyure ako kanya gusa bazana terefone igendanwa hafi y’ubwishyu, bitabaye ngombwa gufungura porogaramu za banki cyangwa gusikana kode ya QR.

Murilo agira ati: "Iri koranabuhanga ryagura imikoreshereze ya Pix mu kunoza ubunararibonye bwo kwishyura mu bihe bitandukanye, nko kwishyura ubwikorezi rusange, kugura umuntu ku giti cye, no kwishyura mu birori binini, aho ubushobozi bwo gucuruza no gucuruza ari ibintu by'ingenzi.

3) Urugendo rutagabanijwe (JSR): ejo hazaza ha e-ubucuruzi

Urugendo rutagira Redirection rugaragaza impinduramatwara kuri e-ubucuruzi. Hamwe n'ikoranabuhanga, abakoresha ibicuruzwa bazashobora kurangiza kwishyura hamwe na PIX ku rupapuro rwa e-ubucuruzi bugenzura, bitabaye ngombwa ko berekeza kuri porogaramu za banki cyangwa ku mpapuro zo hanze.

Rabusky agira ati: "Kurandura intambwe mu nzira yo kwishyura bigomba kongera PIX nk'uburyo bwo kwishyura ku kugura kuri interineti." Dukurikije ibigereranyo by’inganda, PIX ishobora kugera kuri 40% yishyuwe kuri interineti bitarenze 2026, ikiyemeza nkuburyo bwa kabiri bukoreshwa cyane mu gihugu.

4) Umufuka wa digitale: umutekano nuburyo bworoshye

Raporo ya Global Payments Report 2025 , 84% by'Abanyaburezili basanzwe bakoresha umufuka wa digitale nka PicPay, Mercado Pago, Apple Pay, na Google Pay, kimwe mu biciro biri hejuru ku isi. Mu bice bimwe na bimwe bya e-ubucuruzi, umufuka umaze kurenga amakarita yinguzanyo nkuburyo bwo kwishyura bwifuzwa.

Gustavo Siuves, inzobere mu ikoranabuhanga mu by'imari na CRO muri Azify, yagize ati: "Umufuka wa Digital utanga inyungu z’ingenzi ku baguzi, nko kubika amakarita y’amakarita, kwemeza biometrike, no kugabanya ibyago byo gutangaza amakuru yoroheje.

5) Biometrics no kwemeza: umutekano ubanza

Ikoranabuhanga mu mutekano naryo ryateye imbere ku buryo bugaragara. Blockchain, ibishushanyo mbonera, ibinyabuzima bigezweho, hamwe no kwemeza ibintu byinshi bituma ibikorwa bya digitale birushaho kuba umutekano, hubahirijwe amategeko rusange yo kurinda amakuru (LGPD). 

Siuves yongeyeho ati: "Inama y'ingenzi ni iy'abaguzi guhitamo ikotomoni ya digitale mu masosiyete azwi ku isoko, buri gihe ugahitamo kwemeza ibyiciro bibiri, kandi ugakomeza porogaramu zabo. Witondere imiyoboro igusaba 'kuvugurura' cyangwa 'kwemeza' umufuka wawe wa digitale, cyangwa guhamagarira ibyifuzo bimwe - amabanki yemewe na sosiyete ntibigera bakora ubu bwoko bw'ibyifuzo. Umutekano ugomba kuba ingingo y'ingenzi mu bikorwa bikomeye byo gucuruza."

Ingaruka ziteganijwe kuwa gatanu wumukara 2025

Biteganijwe ko tekinoroji nshya yo kwishyura izagira ingaruka zikomeye ku baguzi no ku bacuruzi:

Ku baguzi:

  • Umuvuduko mwinshi kandi woroshye mubikorwa.
  • Kugabanya intambwe muburyo bwo kwishyura.
  • Kongera umutekano hamwe no kwemeza biometric.
  • Ihitamo ryo kwishyura mubice bidafite ikarita yinguzanyo (igice cya PIX)
  • Birenzeho kandi bidafite uburambe bwo guhaha.

Ku bacuruzi:

  • Kugabanya ibiciro byo guta igare
  • Kongera igipimo cyo guhindura
  • Kwakira amafaranga ako kanya
  • Amafaranga yo gukora make ugereranije namakarita.
  • Kurushanwa gukomeye ku isoko rya digitale

Rabusky, ukomoka muri Lina Open X., yagize ati: "Uku kumenyekana kwa PIX hamwe n'ikoranabuhanga rishya ryo kwishyura byerekana ihinduka rikomeye mu myitwarire, cyane cyane mu rubyiruko ndetse na ba rwiyemezamirimo baciriritse. Ubworoherane bw'ibi bikoresho bwagize uruhare runini mu kuzamura ubucuruzi buciriritse no guteza imbere ubukungu bwa Berezile." 

Ibyiringiro by'ejo hazaza

Hamwe no guhuriza hamwe PIX, kwagura imari y’imari, hamwe no kurushaho gukoresha ikoranabuhanga nk’imifuka ya digitale na biometrike, Burezili ihagaze nkurwego mpuzamahanga ku guhanga udushya. Banki Nkuru yamaze gutangaza ko izakomeza kunoza sisitemu mu 2026, yibanda ku guhuza imifuka ya sisitemu, ibikorwa mpuzamahanga, ndetse no kongera umutekano wa interineti.

Siuves asoza agira ati: "Ejo hazaza h'imari ntabwo ari digital gusa, ni ubwenge. Ikoranabuhanga nka Open Finance, PIX, hamwe na gapfunyika ya digitale ituma buri wese ashobora kubona serivisi z’imari yihariye ku giti cye, hamwe n'ibisubizo byari bisanzwe biboneka ku bashoramari benshi gusa. Iterambere ryo ku wa gatanu rizaba intambwe ikomeye muri iri hinduka."

Hamwe n'ibiteganijwe guca amateka mashya yo kugurisha, Black vendredi 2025 isezeranya byimazeyo guhuza tekinoloji nshya yo kwishyura nk'ejo hazaza h'ibicuruzwa byo muri Berezile, bitanga uburambe bwihuse, butekanye, kandi bunoze bwo guhaha miriyoni z'abaguzi. 

Bitybank ishimangira agace ko Kwishura hamwe n'abayobozi batatu bashya.

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Bitybank ishimangira agace ko Kwishura hamwe n'abayobozi batatu bashya.

Bitybank, banki ya crypto ihuza serivisi z’imari gakondo, ubucuruzi bw’amafaranga, hamwe n’ubwishyu mpuzamahanga binyuze mu mafaranga ahamye, iratangaza ko haje abayobozi bashya batatu mu karere kayo ko kwishyura: Eginara Nery, ukora imirimo y’umuyobozi ushinzwe kwishyura; Bruno Felicio, Umuyobozi mushya wibicuruzwa bya FX na Liquidity; na Mateus Prestes, ubu uzaba umuyobozi wibicuruzwa byubufatanye nubucuruzi bushya. Iyi gahunda uko ari itatu ishimangira Bity Payments kwaguka ku isi no gushimangira ingamba z’isosiyete yo kwihutisha ibicuruzwa byambukiranya imipaka bishingiye ku bicuruzwa bihamye.

Afite uburambe bwimyaka irenga 10 mu kwishura mpuzamahanga, Eginara Nery yubatse umwuga mubikorwa byisi, gutanga serivisi, gushyira mubikorwa abakiriya, no kuyobora amakipe muri Kanada, Amerika, na Amerika y'Epfo. Umuhanga mu by'ubukungu ufite ubuhanga mu micungire y’imishinga n’ubuyobozi bw’ubucuruzi, yinjiye muri Bitybank mu butumwa bwo kwagura imiyoboro mpuzamahanga, gushyiraho ubufatanye bushya, no gushimangira Bity Payments ku isi hose.

Umuyobozi ushinzwe ubwishyu, Eginara agira ati: "Urusobe mpuzamahanga rw’ibidukikije rufite igihe cyo kwaguka byihuse. Kuri Bitybank, dufite amahirwe yo guhuza imikorere ikora n'umuvuduko no gukorera mu mucyo. Nishimiye cyane kuyobora iri hindagurika no kwagura isi yose."

Bruno Felicio, Umuyobozi mushya w’ibicuruzwa bya FX na Liquidity, afite uburambe bwimyaka irenga irindwi ku isoko ryo kwambuka imipaka, akaba yarakoze mu masosiyete mpuzamahanga ya fintech nka Bamboo Payment Systems, Directa24, na Buckzy. Inzobere mu kunoza imikorere, kwipimisha ibicuruzwa, no guhuza hagati y’ifaranga n’ibihugu, umuyobozi azagira uruhare runini mugutezimbere ibisubizo bihuza FX gakondo nubuvanganzo bwa crypto, bitanga inzira byihuse kandi nziza kubakiriya ba bucuruzi.

Felicio, Umuyobozi w'Ibicuruzwa | FX n'amazi muri Bitybank.

Hamwe n’imiterere y’ububanyi n’amahanga n’impamyabumenyi mpuzamahanga mu kubahiriza, AML / CFT, n’ubucuruzi, Mateus Prestes, umuyobozi mushya w’ibicuruzwa by’ubufatanye n’ubucuruzi bushya muri Bitybank, afite uburambe bunini mu guhagarika, kwishura stabilcoin, no mu bikorwa byo kugenzura. Yakoze ibishoboka byose kugira ngo abone impushya za MSB muri Kanada, ayoboye itsinda ryubahiriza kandi rikora mu masosiyete mpuzamahanga ya fintech, ndetse anashakisha ibisubizo byo kwishyura muri Amerika y'Epfo, Uburayi, n'Uburasirazuba bwo Hagati.

Umuyobozi w’ibicuruzwa by’ubufatanye n’ubucuruzi bushya muri Bitybank, Prestes agira ati: "Bitybank iri mu gihe cy’ingamba: kwiyongera ku isi hose duhuza isoko rya crypto n’ibisabwa nyabyo by’ubwishyu mpuzamahanga. Tuzagura ubufatanye, dufungure amasoko mashya, kandi twubake ibisubizo bihuza udushya, kubahiriza, ndetse n’ubunini".

Aba bakozi batatu ni bamwe mu ngamba za Bitybank zo kwagura isi yose mu kwishura mpuzamahanga binyuze mu biceri nka USDC na USDT, bitanga ubwishyu bwihuse 24/7, kugabanya ibiciro, no gukorera mu mucyo mwinshi, bihuza gahunda y’imari gakondo n’ibikorwa remezo bishya.

Amazone, Mercado Libre, cyangwa Shopee? Ubushakashatsi bugaragaza umucuruzi ukurura abaguzi benshi kuwa gatanu wumukara.

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Amazone, Mercado Libre, cyangwa Shopee? Ubushakashatsi bugaragaza umucuruzi ukurura abaguzi benshi kuwa gatanu wumukara.

Buri mwaka, vendredi yumukara ikangura isoko ninyungu zabaguzi na mbere yitariki yo kwamamaza kumugaragaro, iba le 28. Ku mbuga nkoranyambaga, insanganyamatsiko igaragaza imigambi yo kugura n’ibicuruzwa, ibirango, n'amaduka bizashakishwa cyane. Ubushakashatsi bwasesenguye ibiteganijwe mu gihe cy’igurisha bwerekanye ko, mu bacuruzi bakomeye, Amazon iyoboye umubare w’ibivugwa, bivugwa na 81% by’imyirondoro yaganiriye ku ngingo. 

Lilian Carvalho, umuhuzabikorwa w'ikigo cy’ubushakashatsi mu iyamamazabumenyi rya Digital muri FGV / EAESP, akaba n'ushinzwe ubushakashatsi bwakozwe ku bushakashatsi bwakozwe na Polis Consulting, yagize ati: Ugushyingo. 

Ku mwanya wa kabiri ni Mercado Livre, hamwe na 6.4%. Carvalho avuga ati: "Iparadizo", kubera ko iri soko ariryo muyobozi wuzuye mu mbuga za interineti, urenga miliyoni 300 buri kwezi. Umuguzi agaragara kumwanya wa gatatu hamwe na 4.1% byavuzwe. 

Umushakashatsi ashimangira agira ati: "Iri gabana ryerekana itandukaniro rinini mu ngamba zo guhuza imbuga nkoranyambaga ku mbuga za interineti, ndetse no gutandukanya itandukaniro ry’imikoreshereze y’abakoresha ku miyoboro itandukanye kugira ngo batange ibintu kuri buri mucuruzi. Byongeye kandi, bitera kwibaza ku ngaruka nyazo z’imikorere y’umuhanda, insanganyamatsiko nkuru y’ingamba zo kwamamaza hakoreshejwe ikoranabuhanga mu bucuruzi bwa none." 

Ibiranga byinshi wifuza

Nk’uko ubushakashatsi bubyerekana, isesengura ry’ibirango byavuzwe cyane rigaragaza kwibanda cyane ku bakinnyi bamwe. Isosiyete ikora mudasobwa ya Apple iyobowe na 32% byavuzwe, byerekana agaciro kiyongereye kerekana ikirango nigiciro cyacyo, bigatuma gikundwa cyane mugihe cyo kuzamurwa.

Samsung ifite umwanya wa kabiri, hamwe 16% byavuzwe, ikurikirwa na LG (9.9%) na Xiaomi (7.8%). Mu gice cyubwiza, Boticário ihwanye na 8.9% byavuzwe na Natura 7.4%, byerekana imbaraga zibirango byigihugu murwego rwo kuwa gatanu wumukara. 

Nike na Adidas bahagarariye 4% na 3,3%, byerekana ko bashishikajwe nibicuruzwa bya siporo mugihe cyibirori, nubwo mubice bito ugereranije nibyiciro byambere.

Ubushakashatsi bwakozwe na Sinch bugaragaza ko 71% by'Abanyaburezili bibasiwe cyane n'amashusho ku wa gatanu w'umukara.

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Ubushakashatsi bwakozwe na Sinch bugaragaza ko 71% by'Abanyaburezili bibasiwe cyane n'amashusho ku wa gatanu w'umukara.

Mugihe vendredi yirabura hasigaye icyumweru kimwe gusa, abadandaza bo muri Berezile baritegura imwe mubitabo byingenzi byakozwe mumyaka yashize. Ubushakashatsi bwakozwe ku isi bwakozwe na Sinch , umuyobozi mu itumanaho rusange, 71% by’abaguzi bo muri Berezile bavuga ko amashusho yongerera inyungu mu itangwa - ijanisha rikaba riri hejuru y’ikigereranyo cy’isi (47%). Aya makuru ashimangira uruhare rwibanze rwibintu bigaragara mubikorwa byo kwamamaza hakoreshejwe Digital kandi bigashyira Burezili kumwanya wambere wumuntu hamwe ningaruka zamarangamutima.

Kurenga imbaraga zamashusho, ubushakashatsi bugaragaza umuguzi uhujwe, uteganijwe kubakoresha, ufunguye gukoresha ubwenge bwa Artificial Intelligence (AI) murugendo rwabo rwo kugura. Kurenga kimwe cya kabiri cyabanyaburezili (56,6%) ibyifuzo byizere bitangwa na chatbots ya AI kimwe nibyakozwe nabantu, bikarenga ikigereranyo cyisi (46%). Uku kwakirwa kwihutisha iyemezwa ryimikorere nubunararibonye bukungahaye kumiyoboro ya rubanda.

Umuyobozi mukuru wa Sinch muri Amerika y'Epfo, Mário Marchetti agaragaza ati: "Umuguzi wo muri Berezile arashaka korohereza, kwizerana, no guhuza. Imiyoboro nka WhatsApp, ifatanije n'ibikorwa byihariye kandi byihariye, bizagira uruhare rukomeye mu bikorwa byo ku wa gatanu w’umukara."

WhatsApp iganje hejuru, RCS itera imbere.
Mu gihe ku isi hose RCS (Serivisi ishinzwe itumanaho) - uburyo bwohererezanya ubutumwa bukungahaye kuri karuseli, amashusho, na buto - bigenda byiyongera ku 47%, muri Burezili WhatsApp ikomeje kwiganza: 60% by'Abanyaburezili bavuga ko iyi porogaramu ari umuyoboro nyamukuru wo kwakira promotion ku wa gatanu w’umukara no ku wa mbere wa Cyber. Kwemeza RCS biracyari mu ntangiriro zayo mu gihugu.

Ubushakashatsi bugaragaza kandi umuguzi wizeye: 45.4% bafite intego yo gukoresha amafaranga arenze muri 2024, mugihe impuzandengo yisi yose ari 31.5%. Byongeye kandi, Abanyaburezili barimo imbere yumurongo: 43.7% batangiye gukurikirana kuzamurwa mu ntera byibuze ukwezi mbere, byerekana imyitwarire ihamye kandi iteganijwe.

Automation no gukurikirana nibyingenzi.
Itumanaho nyuma yo kugurisha rikomeje kuba ingenzi kuburambe. Mugihe cyo kuwa gatanu wumukara, 83.8% byabaguzi ba Berezile baha agaciro ubutumwa bwo gukurikirana no kohereza ibicuruzwa, ugereranije na 61,6% kwisi yose. Imiyoboro yikora isanzwe igizwe nurugendo rwo kugura.

  • 60.8% koresha bots kugirango ukurikirane uko ibintu bimeze.
  • 51.5% bashaka amakuru y'ibicuruzwa mbere yo kugura.

Aya makuru yemeza ko umuvuduko, gusobanuka, hamwe no gukora ari ibintu byingenzi mu rugendo rwa digitale.

Inzitizi n'amahirwe kubirango
: Sinch iraburira ko ibicuruzwa bishoboye guhuza umuyoboro, igihe, n'imiterere bizagira inyungu nyinshi zo guhatanira. Umunsi wa gatanu wumukara uzaba umwanya wo guhindura buri butumwa muburambe bukomeye - hamwe na AI, automatike, nibirimo bigaragara nkibitandukanya.

Marchetti asoza agira ati: "Ejo hazaza h'itumanaho ricuruza rishingiye ku butumwa bwohererezanya ubutumwa. Buri mubonano ushobora kuba amahirwe yo gusezerana no guhinduka. Ibicuruzwa byumva uyu mutwe ntibizaba imbere ku wa gatanu w’umukara gusa, ahubwo no mu budahemuka bw'igihe kirekire."

Ku wa gatanu wumukara 2025: Imiyoboro ya francise yagura kugabanuka n'amahirwe kubashoramari bashya.

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Ku wa gatanu wumukara 2025: Imiyoboro ya francise yagura kugabanuka n'amahirwe kubashoramari bashya.

Buriwese azi ko vendredi yumukara ari intsinzi nini, ariko wari uzi ko ushobora gushora imari mubucuruzi bushya ukoresheje iki gihe cyumwaka? Hamwe no kuzamurwa mu ntera zitandukanye mu Gushyingo, francises nka Acquazero, Convex, Doutor DM2 Diyabete, Encontre Sua Viagem, Gigatron, Lave & Pegue, na Sandaliaria barashaka gukurura ba rwiyemezamirimo benshi batanga ibiciro byihariye. 

Ubushakashatsi bwakozwe na Google Burezili bwerekanye ko 72% by’abaguzi biteze ko serivisi zitangwa cyangwa ingendo muri iki gihe, bishimangira icyerekezo cyo kwagura itariki y’urwego rwa serivisi z’aba francising, kikaba ari kimwe mu bice byihuta cyane mu gihugu, nk'uko amakuru aturuka mu ishyirahamwe ry’aba francising bo muri Berezile (ABF) abitangaza. 

Kubera iyo mpamvu, imiyoboro iva mu mirenge itandukanye ikoresha imbaraga za vendredi vendredi kugirango itangire kuzamurwa mu ntera itigeze ibaho igamije gufungura ibice bishya. Ibiranga, bizwi kubera imiterere irambye no kwagura igihugu, bitanga ibihe byihariye kubashoramari bashya. Usibye kugabanuka, inyungu zirimo kugabanya amafaranga yubufaransa, gahunda yo kwishyurwa, hamwe ninkunga yagutse mumezi yambere yimikorere, bigatuma ishoramari ryoroha kandi rishimishije. 

Kuzamura vendredi

Ibintu nyamukuru bizaranga ubukangurambaga butigeze bubaho kuri francisees izaza:

Acquazero: Ibidukikije byangiza ibidukikije byo gusukura amamodoka no guturamo. Acquazero izwi nk'imwe mu nini ku isi mu buryo burambuye bwangiza ibidukikije, yibanda ku buryo burambye, itanga serivisi zogukora isuku kandi ikabika litiro 320 z'amazi kuri buri modoka. 

Muri Black 2025, umuyoboro uzatanga kugabanyirizwa amafaranga yubufaransa bwububiko bwibintu bifatika, kuva ku $ 40.000 kugeza 30.000, naho kuri mobile igendanwa, kuva 15,000 kugeza 10,000. Abafaransa bariho bazagira uburenganzira bwo gufungura igice cya kabiri bagabanutseho 50% kandi bazahabwa ubutumire bwubusa mumasezerano ya 2025.

Convex: Convex Joias, urunigi ruzobereye mu mitako y'ibyuma n'ibikoresho bigezweho, rukomatanya igishushanyo mbonera, elegance, hamwe na moderi yoroshye yo gukora. Mugihe cyumunsi wumukara, urunigi ruzatanga kugabanyirizwa amafaranga kumafaranga ya francise, kuva kumafaranga 50.000 kugeza 29,997, guhera kugeza 30 Ugushyingo. 

Muganga DM2 Diyabete: Umuyoboro wibanze ku buzima no kuwuzuza utanga promotion igamije kugabanya ibiciro byakazi kuri francisees nshya. Abasinya amasezerano mu Gushyingo bazahabwa ukwezi kumwe kongerewe ku buntu, bazigama hafi $ 12,000 kandi babemerera gutangira ibikorwa bafite imigabane n’ibikorwa remezo biteguye gukorera abaturage. 

Shakisha Urugendo rwawe: Hamwe nimyaka irenga 20 kumasoko, umuyoboro numwe mubigo binini byubukerarugendo mugihugu. Mugihe cyumunsi wumukara, ikirango kizatanga 30% kugabanyirizwa francisees. Ku cyitegererezo cy’ibiro byo mu rugo, amafaranga ya francise azagabanuka kuva ku $ 10,000 kugeza ku 7000, naho ku bubiko bw’umubiri, kuva ku 15 000 kugeza ku 12,000. 

Usibye uku kugabanuka, abasinyana numuyoboro muriki gihe bazagira umwaka 1 wo gufungura francise ya kabiri hamwe na 50% kugabanyirizwa amafaranga hamwe nubutumire bwubusa mumasezerano ya 2025. 

Gigatron: Umuyoboro uzobereye mubisubizo byikoranabuhanga kubucuruzi buciriritse n'ibiciriritse bizatanga 30% kugabanyirizwa Model Model, kuva kuri 20.000 kugeza 14,000. 

Kuzamurwa mu ntera bizagira agaciro mu kwezi k'Ugushyingo. 

Lave & Pegue: Hamwe nimyenda yimyenda ikoreshwa hamwe nubuyobozi bworoshe, Lave & Pegue izatanga kugabanyirizwa amadolari agera ku 30.000 kumafaranga yubufaransa bushya.

Sandaliaria: Umuyoboro wa francise kabuhariwe muri sandali yihariye, iragaragara muburyo bwo guhanga hamwe nubucuruzi bwubucuruzi buhuza imyambarire nibiranga amashusho. Mugihe cyumunsi wa gatanu wumukara, ikirango kizatanga amasezerano atigeze abaho: francisees eshanu zambere zanditse francise muri 2026 zizahabwa ikindi gice muri 2027, zishyure gusa francise. Amafaranga afite agaciro ka $ 30.000, arashobora kwishyurwa mugice 10 kitarimo inyungu ukoresheje ikarita yinguzanyo cyangwa mubice 7 ukoresheje urupapuro rwa banki. 

Igihe cyiza cyo gushora imari.

Usibye kugabanuka gusa, vendredi yumukara yerekana idirishya ryamahirwe kuri ba rwiyemezamirimo bashya. Nk’uko NielsenIQ ibivuga, abaguzi barenga 45% bifashisha iki gihe kugira ngo bavumbure ibicuruzwa bishya, bishimangira akamaro ko gukomeza urwego rwa serivisi no guhuzagurika muri buri gice. 

Imiyoboro ya francise ihindura ibyabaye mubikorwa byigihe kirekire, ikoresha uburyo bwo kugaragara no gutambuka kwimishyikirano kugirango yihutishe iterambere no guhindura gahunda yo kwaguka. 

Urwego rwa francise rwinjije miliyari 240 z'amadolari y’Amerika mu 2024, rwerekana ko igihe ari cyiza ku bifuza gutangiza umushinga w’ibirango byashyizweho no kugabanya ishoramari. 

Ishoramari noneho ryemerera franchisee gutegura ibikorwa byumwaka wa 2026 hamwe ninkunga yuzuye ninyungu zidakunze kugaruka mumwaka. Gukomatanya kwizerwa ryibiranga hamwe nubukungu butandukanye birashobora guhindura vendredi yumukara imwe mubintu byiza byinjira mubihugu byigihugu. 

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