Ukukhula okusheshayo kwe-e-commerce eBrazil nakho kudale into ekhathazayo: ukwanda kokukhwabanisa kwedijithali. Ngokocwaningo olwenziwe yi-Equifax BoaVista, ukuzama imikhonyovu ku-e-commerce kukhuphuke ngo-3.5% ngo-2024, uma kuqhathaniswa no-2023.
Kungakhathaliseki ukuthi kuhlanganisa amakhadi ahlanganisiwe noma ukukhwabanisa kwama-bot nokukhokhiswa okungafanele nge-Pix (uhlelo lokukhokha olusheshayo lwase-Brazil), ukulahlekelwa okunqwabelene kubathengisi ngenxa yalezi zinqubo kakade kufinyelela ezigidini zamadola. Ngaphandle komthelela wezezimali, izenzo ezinjalo ziphinde zifaka engozini ukwethenjwa kwabathengi kanye nokwethembeka kwezinkundla.
Phakathi kwemikhonyovu evame kakhulu ukuntshontshwa kobunikazi, ukuthathwa , ukukhwabanisa kwe-chargeback, kanye nokusetshenziswa kwamakhuphoni omgunyathi. Ubunkimbinkimbi nobunkimbinkimbi balokhu kuhlasela kuye kwadinga izinkampani ukuthi zenze izixazululo eziqinile ukuze ziqinisekise ukuphepha kokusebenza kwazo futhi zilondoloze uhambo lwamakhasimende.
Kodwa-ke, ukuzenzela okuhlakaniphile okuhlanganiswe ne-Open ecosystem sekuthole ukuvelela njengethuluzi lokuvikela lamasu. Ngokusho kochwepheshe, ngokuhlanganisa ubuchwepheshe obufana nobuhlakani bokwenziwa, ukufunda komshini, nokuhlaziywa kwedatha enkulu, lawa masistimu angakwazi ukuqapha okwenziwayo ngesikhathi sangempela, ahlonze amaphethini asolisayo, futhi enze okuthile ngokuvimbela lapho ebhekene nokuziphatha okuxakile.
"Ukuzenzakalela okuhlakaniphile kuvumela ukutholwa kwengozi okunembe kakhudlwana futhi kunciphisa amaphuzu angamanga - okuvamise ukuvimbela ukuthengwa okusemthethweni futhi kuthinte ulwazi lwabathengi," kuchaza u-Lígia Lopes, i-CEO ye- Teros , isiteji sokuzenzakalela esihlakaniphile esiqhutshwa yidatha, wengeza: "Ngaphezu kwalokho, sithuthukisa izinsiza zokusebenza ngokususa imisebenzi ephindaphindayo emaqenjini, siqondise kabusha izinqumo zabo zokugxila."
Ngokusho kwesikhulu, imikhonyovu esebenzisa ama-bots, ngokwesibonelo, ivame kakhulu ekuqalisweni kwemikhiqizo enomkhawulo. Ngokuzenzakalela inqubo yokuthenga, lezi zinhlelo zesofthiwe zingathola amanani amakhulu wezinto ngaphambi kokuba amakhasimende angempela akwazi ukuzifinyelela, zidale imakethe ehambisanayo nengalungile. Ngakolunye uhlangothi, imikhonyovu ye-Pix, ngokuvamile ihilela ukukhohlisa amarisidi noma ukwenza izimangalo ezingamanga zephutha ukuze uthole imbuyiselo ngemva kokuthola umkhiqizo.
"Enye inzuzo yokuzenzakalela ukuhlanganiswa nezinhlelo zokulwa nokukhwabanisa ezisekelwe ku-biometrics nokuziphatha kwedijithali. Lezi zixazululo zandisa izinga lokuqinisekiswa kokwenziwe, zisiza ukuvimba ukuhlaselwa okuyinkimbinkimbi okufana nobugebengu bokweba imininingwane ebucayi noma ukuthathwa kwe-akhawunti, obekungeke kubonakale kalula ngezindlela zendabuko," kusho u-Lígia.
Esimeni se-Open Finance, i-automation edidiyelwe nayo ilethe izinzuzo ezibalulekile ngokuya ngekhono nokwenza kube ngokwakho, ngokusho kuka-Lopes. Ikhono lokuhlanganisa idatha yasebhange nezinhlelo zokuphatha livumela ukubuyisana kwesikhathi sangempela, ukubika kwezezimali okuzenzakalelayo, kanye nokunikezwa kwezinsizakalo ezifana nekhredithi noma umshwalense ngesikhathi sokukhokha—konke ngokuvikeleka nokungafihli ekusetshenzisweni kwedatha.
"Nakuba singekho isisombululo esisodwa enkingeni yokukhwabanisa, inhlanganisela yobuchwepheshe kanye namasu kuyindlela ethembisa kakhulu. Ukwenziwa kwedijithali kokusetshenziswa kudinga isimo esisebenzayo ezinkampanini, futhi ukuzenzekelayo akuseyona inketho, kodwa isidingo salabo abafuna ukuhlala bencintisana, bevikelekile, futhi befanelekile emakethe, "kuphetha i-CEO ye-Teros.
