Nakuba u-78% wabantu uthi une-akhawunti yasebhange, umuntu oyedwa kwabangu-3 waseBrazil akakazizwa efakwe ngokwanele ngokwezimali, njengoba ukuntuleka kokufinyelela kukhredithi kungesinye sezizathu eziyinhloko (73%) salo mbono. Yilokhu okushiwo ucwaningo "Kusuka ku-Banknote kuya ku-DREX: ukuvela kwemali eminyakeni engu-30" , okukhiqizwa nguMercado Pago ngokubambisana ne-Brazilian Institute for Research and Data Analysis (IBPAD), kubonisa.
Ngokuka-Igor Castroviejo, umqondisi wezohwebo we-1datapipe, inkundla yemininingwane yomthengi esebenzisa i-Artificial Intelligence, ingxenye enkulu yesizathu sokuthi kungani abantu abaningi kangaka bengakwazi ukuthola isikweletu kungenxa yamamodeli okuhlola avamile asetshenziswa izikhungo. "Ngeshwa, ama-credit bureaus asathembele emithonjeni yolwazi ekha phezulu nephelelwe yisikhathi, ngakho-ke amakhasimende amaningi angase anganakwa ngenxa yokuntula ukujula kwezinkampani ngokwazo."
Isikhulu sicaphuna imininingwane ebalulekile ukukhombisa lokhu, njengokuthi abantu abangaphezu kuka-38% basebenza ngokungekho emthethweni, ngokocwaningo olwenziwe yi-Statista, okwenza kube nzima komasipala ukubona amandla okukhokha. “Ngaphezu kwalokho, ucwaningo olwenziwa yi-Locomotiva Institute lubonisa ukuthi bangaphezu kwezigidi ezingu-4.6 abantu baseBrazil abangenawo ama-akhawunti asebhange, kanti olunye ucwaningo, olubizwa ngokuthi Beyond Borders 2022/2023, lubonise ukuthi bangama-40% kuphela abantu abadala ezweni abanamakhadi okuthenga ngesikweletu.
Njengesixazululo senkinga, uchwepheshe uphakamisa ukuthi izikhungo zezezimali zitshale imali ezisombululweni zobuchwepheshe ezikwazi ukufaka lawa maqembu amancane ekuhlaziyeni kwawo. "Sibonga iminyaka yedijithali ezweni lethu, izixazululo sezivele zikhona emakethe ezinikeza izikhungo zezezimali ngedatha ehlukile ebalulekile, njengomlando wokuthenga ku-inthanethi, imikhuba yokusebenzisa, ubungcweti, umlando wokuqashwa, iholo elimaphakathi, kanye nemali engenayo yomndeni yalawa makhasimende angaba khona, anganikeza ukuqonda okuhle kakhulu ngephrofayili yomuntu ngamunye," esho.
Ngaphezu kwalokho, u-Igor Castroviejo udonsela ukunaka ekusetshenzisweni ngempumelelo kwe-Artificial Intelligence. "Idlala indima ebalulekile; kangangokuthi idatha evela ku-Boston Consulting Group ikhombisa ukuthi lobu buchwepheshe buletha izinzuzo zokukhiqiza ezifika ku-80% emabhange, ukuthuthukisa ukuthathwa kwezinqumo ezihlobene nezikweletu. Lokhu kwenzeka ngoba, ngakho, kungenzeka ukwenza ukuhlola okuningiliziwe kolwazi, ukuhlonza amaphethini abalulekile kanye nezitayela kulokhu kuhlola, "ubonisa.
