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Yeyiphi eyona ntloko iphambili kwishishini lokuhambisa iDrop? -Ukuthunyelwa kweNdlela yokuPhuhlisa iMbali
07 / 01 / 2019
INkonzo yoVavanyo loMgangatho
07 / 01 / 2019

Iindlela eziBalaseleyo zokuhlawula kwi-Intanethi zaseBrazil

Ngaphambi kokungxama ukuya kuguqulela iwebhusayithi yakho kwisiPhuthukezi, okanye ukufumana indawo eofisini eSao Paulo, kuyafuneka ukuthatha ixesha lokujonga indlela abathengi bakho baseBrazil abanokuthanda ngayo ukuhlawula iimpahla okanye iinkonzo zakho. Ukusetyenziswa kwamakhadi eBrazil kuphezulu kwaye amaBrazilians akaxhaphazi ukuhlawula nantoni na ecacileyo. Unaniselwano oluninzi lwe-Intanethi luhlawulelwa ngezavenge. Iindlela zokusetyenziswa kwe-Cash ezinje ngeBoleto Bancário zithandwa kakhulu kwaye ziya kunika amashishini ukufikelela kubantu baseBrazil ngaphandle kwamakhadi okuthenga ngetyala.

Iindlela eziBalaseleyo zokuhlawula kwi-Intanethi zaseBrazil

Inani labemi eBrazil: 202 Million
Ukungena kwi-Intanethi: 53%
Ukungena kwe-Smartphone: 26%
Ukuthengwa kwesalathiso samandla okuThengwa: 38

Amakhadi etyala-uLwabiwo lweNtengiso: 69%
Njengenye yezona ndlela ziqhelekileyo kunye nezithandwayo zabathengi zokwenza ukuthenga kwi-Intanethi, amakhadi etyala asetyenziswa kwi69%. Imibutho yezemali yamashishini amaninzi afana neVisa, MasterCard, Maestro, American Express kunye nokufumana inkqubo yokuhlawula phakathi kwabathengisi kunye neebhanki ezikhupha amakhadi, okwenza ukuba izigidi zabasebenzisi kwihlabathi liphela bathenge kusetyenziswa amakhadi etyala awaziwayo. Nangona kunjalo, kubalulekile ukwahlula phakathi kwamakhadi okuthenga ngetyala kwilizwe lonke nakwamanye amazwe. Amakhadi esizwe anokusebenza kuphela kwi-Brazil yangempela (i-BRL), ngelixa amakhadi etyala aphesheya angakwazi ukuqhubekeka kwiinkqubo zemali zangaphandle nezasekhaya. Kodwa, njenge-20% kuphela yabathengi baseBrazil abanokufikelela kumakhadi etyala aphesheya, kubalulekile ukuba abathengisi bakwazi ukufikelela kumakhadi etyala asekhaya.

I-Boleto Bancario-Ukwahlula kwiNtengiso: 24%
IBoleto Bancario yeyona ndlela ithandwayo yokuhlawula eBrazil ekwi-Intanethi ebubungqina bobuqhetseba. Ivumela bonke abathengi ukuba bahlawule online okanye ngaphandle kweintanethi. Banokuhlawula ngemali ezinkozo ngefowuni okanye ngebhanki ekwi-intanethi ngokusebenzisa ibhakhowudi / ivawutsha. Kukho umngcipheko we-zero wokubuyisa ngale ndlela yokuhlawula eBrazil. Abathengi abahlawula kwi-intanethi ngeBoleto Bancario bagcwalisa iphetshana elikwi-intanethi ngolwazi lwabo kwaye bafumana ibhakhowudi / ivawutsha eprintayo, abanokuthi bayise ebhankini lendawo okanye ivenkile yokuthenga lula ukuze basebenzise imali okanye nayiphi na enye indlela yokuhlawula eyamkelwe apho.

I-Hipercard Ikhadi letyala lendawo elamkeleke eBrazil. Kukho amakhadi ezigidi ze-13 ezikhutshiweyo. I-Hipercard imele i-8% yesabelo sekhadi letyala elipheleleyo.

I-wallet Inkonzo eBrazil iyafana nale inikezela kwamanye amazwe. Zombini iPayPal neMercadoPago zivumela abasebenzisi ukuba bazigcine, okanye bongeze imali “kwisipaji esibonakalayo”.

MercadoPago liqonga lokuhlawula kwi-intanethi elenza kube lula ukuthumela nokufumana iintlawulo kwi-Intanethi eBrazil. I-MercadoPago ixhasa iindlela ngeendlela zokuhlawula, kubandakanya ikhredithi yendawo edumileyo kunye namakhadi ahlawulelwa kwangaphambili.

I-PagSeguro yindlela yokuhlawula eyaziwayo yaseBrazil e-intanethi evumela ukuba abathengisi bamkele iintlawulo ngamakhadi okuthenga ngetyala kunye nokutshintshelwa kwebhanki kwi-Intanethi. Yindlela ekhuselekileyo yabathengi yokuhlawula kunye namakhadi okuthenga ngetyala akhutshwa ngaphakathi naphaya eBrazil.

Ukuxhaswa ngemali Ifumaneka kwezinye iibhanki, njenge-Itaú, Bradesco, kunye neBanco do Brasil. Ayifane isetyenziswe ngokuxhaphakileyo, kuba ibhanki ifuna ukuba umthengi abe nekhredithi esele ivunyiwe kunye nebhanki ngaphambi kwentengiselwano.

Udluliselo lwebhanki yindlela esebenzayo yokwenza iintlawulo eBrazil. Abasebenzisi bahambisa nje imali kwi-Intanethi ngokuthe ngqo kwiakhawunti iye kwenye okanye batshintshele kumasebe aseBrazil asebhaloni afana neBanco do Brasil, Itau, Bradesco, Banrisul kunye ne-HSBC.

Amakhadi ahlawulelweyo Amakhadi anomda osetyenziselwa ukuhlawula iinkonzo ezithile (iifowuni kunye neendlela zikawonkewonke zothutho ezikhutshwa ziimvume zenkonzo zikawonke-wonke kunye namakhadi okutya anezivumelwano zorhwebo ezigunyazisiweyo).

Ukuququmbela

Kubathengisi bamazwe aphela abafuna ukukhangela iziseko zentengiso kwintengiso yaseBrazil, kucetyiswa ukuba ugcine la manqaku aphambili engqondweni:

Isininzi sabathengi baseBrazil sisebenzisa amakhadi etyala, kodwa ngenxa yolawulo lwemali kunye nezithintelo zebhanki, uninzi lwezi zinto lunokusetyenziswa kuphela kwimali yasekhaya. Ke ngoko, abathengisi bamazwe bayacetyiswa ukuba basebenzise intlawulo ekuhlaleni.

I-Boleto Bancario yindlela yentlawulo yendawo leyo eyenza i-24 yeepesenti zentengiselwano ekwi-Intanethi, eyenza ukuba ibe nako ukukhetha-ukuthengisa kubathengisi bamazwe aphesheya malunga nokufikelela kubaphulaphuli abaninzi emarikeni.

Ngenxa yenxalenye yokhetho lwentlawulo lwasekhaya njengokuhlawula ngezavenge kunye nokusetyenziswa kweendlela ezifana ne-Hipercard, I-PagSeguro ithe chu ukucutha, xa kuthelekiswa nezinye iimarike ezivelayo. Nangona kunjalo oku kuyatshintsha, kwaye iselfowuni ikhawuleza ibe yindlela ephambili yokuthengisa eBrazil.

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