I-Brazilian Institute for Consumer Protection (Idec) ibheka isinqumo seBhange Eliyinhloko sokungalawuli imisebenzi yezikweletu exhunywe ku-Pix, edume ngokuthi "i-Pix Parcelado," njengesamukelekile. Isinqumo sokuyeka ukusungulwa kwemithetho futhi sivumele isikhungo ngasinye ukuthi sisebenze “njengoba sithanda” kudala isimo sokungalawuleki esivame ukukhulisa ukuhlukumeza, ukudida abathengi, futhi kujulise ukungena ezikweletini ngokweqile ezweni.
Nakuba iBhange Elikhulu linqume ukunqabela ukusetshenziswa komkhiqizo we-“Pix Parcelado”, okuvumela izikhungo ukuthi zisebenzise okuhlukile njengokuthi “parcelas no Pix” noma “crédito via Pix”, ukuguqulwa kwegama legama akubuqedi ubungozi obuphakathi nendawo: umthengi uzoqhubeka nokuchayeka emikhiqizweni yezikweletu ehlukahlukene kakhulu, ngaphandle kwanoma iyiphi indinganiso encane yokubeka izinto obala, ngaphandle kokunikezwa kokwaziswa okubalulekile okuphathelene nokuphepha noma ukuqoqwa kokwaziswa okubalulekile mayelana nenzuzo noma inzalo.
Ngokuhlehla enkingeni yokulawula, iBhange Elikhulu likwenza kucace ukuthi likhethe ukungabhekani nenkinga esivele iqhubeka. Esikhundleni sokumisa imithetho yokuvikela izigidi zabantu base-Brazilian, idlulisela umthwalo wemfanelo "emakethe yamahhala," ishiya imindeni ingavikelekile esimweni lapho amabhange nama-fintech anenkululeko ephelele yokuchaza izimo, amafomethi, nezindleko, okuhlanganisa nezihlukumeza kakhulu.
Lokhu kukhetha kubucayi ikakhulukazi ezweni lapho ukuba nezikweletu ngokweqile sekufinyelele emazingeni ashaqisayo. Uhlobo lwekhredithi oluxhunywe ku-Pix, ngokuqondile ngenxa yokuthi lukhona ngesikhathi sokukhokha futhi oluhlotshaniswa nohlobo oluthenjwa kakhulu ohlelweni lwezezimali lwase-Brazil, ludala ubungozi obuyingqayizivele: ukwenza inkontileka okungalindelekile, ukudideka phakathi kwenkokhelo nekhredithi, ukuqonda okuncane noma okungekho nhlobo kwezindleko kanye nemiphumela yokungakhokhi. Ngaphandle kwamazinga nokwengamela, ubungozi bezihibe zezezimali bukhula kakhulu.
I-Idec ixwayisa ngokuthi i-Brazil iphokophele esimeni lapho umkhiqizo ofanayo uzosebenza ngezindlela ezihluke ngokuphelele ebhange ngalinye, elinemithetho yalo, izinkontileka ezihlukile, izinhlobo ezihlukahlukene zokuqoqwa, namazinga ahlukene okuvikela. Lokhu kuhlukaniswa kubeka engcupheni obala, kuvimbela ukuqhathanisa, kuvimbela ukulawulwa komphakathi, futhi kwenza kucishe kungenzeki ngomthengi ukwazi, empeleni, ukuthi benzani inkontileka.
Akwamukelekile ukuthi, lapho ubhekene nenkinga ethinta izigidi zabantu ngokuqondile, indikimba elawulayo ihoxise umthwalo wayo. Akwanele "ukuqapha ukuthuthukiswa kwezixazululo"; kuyadingeka ukuzilawula, ukuwengamela, nokuqinisekisa izindinganiso eziphansi zokuvikeleka kwezezimali. Ukulahla lokhu kungukulahla umthengi.
I-Pix idalwe njengenqubomgomo yomphakathi yokwenza izinkokhelo zentando yeningi. Ukuyiguqula ibe isango lesikweletu esingalawulwa, ngaphandle kokubhekana nezingozi futhi ngaphandle kokuvikela labo abayidinga kakhulu, kubeka engozini le mpumelelo. I-Idec izoqhubeka nokusebenza ukuze ifune ukumiswa, ukuphepha, nokungafihli lutho.
