Ezweni elinezikweleti kakhulu eLatin America, lapho i-67% yabantu ingenayo imali yokugcina imali yokubhekana nezenzakalo ezingalindelekile, ngokusho kocwaningo olwenziwa nguFiduc, ama-startups aseBrazil aqala ukuguqula ubuhlobo bomthengi nemali. Enye yezinhlelo ebezilokhu zigqama i-SmartSave, i-fintech esheshiswe yi- Start Growth eyenza ngokuzenzakalelayo ukwakhiwa kwezinqolobane eziphuthumayo ngokuhlanganisa amanani emisebenzini yansuku zonke.
Umbono ulula: ngakho konke ukuthenga okwenziwa ngekhadi lesikweletu, inani elibekwe ngaphambilini umsebenzisi litshalwa ngokuzenzakalelayo ohlotsheni lwebhange le-digital piggy. "Siyazi ukuthi ukulondoloza kunzima, ikakhulukazi ezweni lapho abantu abangaphezu kwesigamu bezabalaza ngesabelomali esiqinile. I-SmartSave ixazulula lokhu ngokuqeda isidingo somzamo oqotho wokulondoloza, "kusho uMarilucia Silva Pertile , i-CEO, umsunguli we-Start Growth kanye nomeluleki wokuqalisa.
Njengoba abantu abangaphezu kwenkulungwane befinyelela endaweni yesikhulumi, ukuqalisa kuvela njengesixazululo esisebenzayo senkinga yesakhiwo. Idatha evela ku-Datafolha iqinisa isimo esikhathazayo: abantu baseBrazil abayisikhombisa kwabayishumi abanayo imali ebekelwe izimo eziphuthumayo. Kulo mongo, izixazululo ezizenzakalelayo zithola ukuhambisana ngokwenza intando yeningi ukufinyelela ekutshalweni kwezimali, ngaphandle kokudinga ulwazi lobuchwepheshe noma izizumbulu zemali zokuqala.
Indlela yokusebenza isuselwe kumqondo we-digital microeconomy. “Kuyindlela yokwenza imali isebenzele umsebenzisi ngaphandle kokuthi ashintshe kakhulu imikhuba yakhe,” kuchaza uMarilucia. I-fintech isivele iqoqe imali engaphezu kuka-R1 million woxhaso futhi iyingxenye yephothifoliyo ye-Start Growth, ebisebenza njengefemu yemali eyibhizinisi kanye nokusheshisa amabhizinisi aqalayo kusukela ngo-2014.
Kumsunguli we-Start Growth, umthelela wezixazululo ezinjengalesi udlula izinga lomuntu ngamunye. "Ukudala ukufinyelela ezinqolobaneni zezezimali akuyona nje indaba yokuziphatha komuntu siqu, kodwa yobulungisa bezomnotho. Uma abantu baseBrazil beba namandla okuzimela ukubhekana nezenzakalo ezingalindelekile, i-ecosystem yokusetshenziswa, izikweletu, kanye nezamabhizinisi izoba namandla," uyahlola.
Njengoba uhlelo lokusebenza seluvele luyasebenza futhi, i-SmartSave inikeza ukuhlanganisa nezici ezivumela abasebenzisi ukuthi balandelele ukuvela kokulondoloza kwabo ngesikhathi sangempela, bahlole izindlela zokushintsha amanani alondoloziwe, futhi balungiselele amanani angokwezifiso ukuze alondolozwe ngokuzenzakalelayo.
