The 2m2k3r
Muchiitiko chedhijitari neChipiri mangwanani (13), iyo Fiserv, kambani inotungamira tekinoroji yekutengeserana kwemari uye kubhadhara, yakaratidza tsvakiridzo yayo pane yazvino e-commerce uye yekubhadhara mamiriro muna 2022 muBrazil nekuongorora kwekuchinja kuri pakati pedenda uye nguva iripo nekupera kwezvirambidzo zvehutsanana izvo zvaidikanwa. panguva iyoyo. g554u
Mharidzo yakaratidza kugamuchirwa kukuru kwePix senzira huru yekubhadhara muBrazil, iri chiyero chinofanira kuteverwa munyika dzakawanda. Uyezve, mhedziso huru yezvino yeBrazil E-commerce yakaunzwa, iyo yakaratidza kudzoreredza mukutenga online kwakabatana nekupera kweCovid-19 denda; maitiro matsva ekutengesa online akaonekwa zvakare mune tarisiro ye2023.
Tsvagiridzo iyi inoratidza zvinotarisirwa nevatengi muna 2023, nekutarisa kune ramangwana uye inosimbisa hukama hwehuwandu hweBrazil nekutenga nzira, ruzivo rwavo rwechiitiko. omnichannel, Pix uye shanduko ye e-commerce mumaonero evaBrazil.
Yazvino yeBrazil e-commerce 4j6l4p
Denda iri rakabata zvikamu zvakati zvehupfumi uye mhedzisiro yacho yaive yakasiyana kune yega yega. Zvimwe, zvakaita sezviitiko uye kushanya, zvakakanganisa nekuda kwemirairo yekuzviparadzanisa nevamwe senzira yehutsanana yekudzora kupararira kwehutachiona, zvichikanganisa zvakananga sevhisi zvinoenderana nekuvapo kwevatengi vayo nevatengi.
Nekune rimwe divi, mashopu nezvitoro zvemumigwagwa zvakatsiviwa muzviitiko zvakawanda nekutenga chaiko, ndiko kuti, denda, iro rakakanganisa zvikamu zvakati wandei zvehupfumi, rakakonzera kushandiswa kwedhijitari kukura, mukutengesa uye muchikafu. Sector nevamwe vakawanda. Pamusoro pekukura, pakanga paine kubatanidzwa kwechiteshi chekutenga nekukura kwekutora pamhepo, neveruzhinji vachiwedzera kuziva zvazvingaite.
Zvinoenderana ne SBVC, yemakambani e300 makuru ekutengesa eBrazil, mazana maviri nemakumi maviri neshanu anoshanda kuburikidza ne e-commerce, iyo yaimiririra kukura kwe 38,89% mukati memakore maviri, apo nhamba yemakambani aive 2 kubva pa162. Saizvozvowo, muchikamu chesupermarket kukura kwainyanya kuoneka nekusvetuka mukati. 28% nokuti 61% yemaketani ane chaiwo zvitoro kubva 2019 kusvika 2021.
Tsvakurudzo ye Fiserv anonongedza kuti pane kudiwa kwekutenga online kwese zvikwata, kunze kwemishonga nezvitoro zvikuru. Makosi, kudzidziswa uye varaidzo ndiwo mapoka ane yakanyanya kutorwa yekutenga online. Maererano ne Fiserv, maonero echiitiko muzvitoro zvakabatanidzwa zvakakura muchitoro chezvitoro, maererano 10% yevakapindura.
Imwe yemabhenefiti makuru maererano nekutenga online, sekureva kwevatengi, ine chekuita nekusimudzira uye zvinopihwa, nyore kuwana zvigadzirwa zvinodiwa, kuwanikwa kweruzivo uye zvirinani mamiriro ekubhadhara. Nekune rumwe rutivi, hunhu hukuru hwechitoro chenyama kusununguka kwekudzoka.
Iko shanduko mumusika wekubhadhara nzira z4b6g
Sekambani inoshingairira kutora chikamu mune tekinoroji inosanganisirwa munzira yekubhadhara, imwe yemapfungwa makuru ekutsvagisa kwekambani. Fiserv Iko kushandurwa nemaitiro matsva ekubhadhara nzira. Munguva yemharidzo, shanduko mumakore achangopfuura yakaratidzwa nekupinda kwePix, kuwedzera kwekutenga online uye mamiriro azvino emusika weidzi nzira. Uchishandisa iyo data, zvinokwanisika kuronga ramangwana remakore anouya iro rinofanirwa kuwedzera kuchinjika kunzira nyowani dzekutenga online.
Kuda kwePix ndeimwe yenhau huru mumusika wekubhadhara mumakore achangopfuura. Pix ndiyo nzira huru inoshandiswa, yakasarudzwa na 86% yevakabvunzwa kubva kumazera ese nematunhu enyika. Dzimwe nzira dzinonyanya kushandiswa makadhi ekiredhiti nemadhibhiti pamushini, anosarudzwa na 74%, uye mari, ye 64% yevakapinda mubvunzurudzo. Uyezve, vanopfuura hafu vanoti vanoshandisa kadhi rechikwereti kana rechikwereti pakutenga online nekuisa ruzivo rwekadhi ravo panguva yekutenga.
Tsvagiridzo inoratidza kufarira kwePix pamatanho akasiyana ehupfumi. Mumapoka evanhu vane simba guru rehupfumi, pane chido che dijitar wallet, kiredhiti kana kiredhiti kadhi uye makadhi chaiwo, nepo mumakirasi anofarirwa nehupfumi inomira pachena nekushandisa kwayo kupfuura mamwe nekuda kwekushandiswa kwekubhadhara kubazi rebhangi kana muzvitoro zverotari.
Pix yave kubvumirana, ichirevera kune dzimwe nyika, sekureva kwaGiuliana Plastina Cestaro, director we e-commerce zvigadzirwa kuFiserv yeLatin America. Mushure mePix, vakapindura vanopfuura makore makumi mana nematanhatu vanosarudza kushandisa kadhi rechikwereti kana rechikwereti rinoiswa mumushini uye mumutsara mumwe chete pane zvakare sarudzo yekuisa ruzivo rwekadhi kana uchitenga online.
Zvinoenderana netsvagiridzo, chengetedzo, agility mukubhadhara uye zvideredzwa ndizvo zvinonyanya kukurudzira pakusarudza nzira yekubhadhara. Izvi zvinoburitsa zvikonzero zvekushandisa Pix paunenge uchitenga, nzira inoshanda uye inokurumidza kushanda nemari inopinda mu yemugamuchiri otomatiki.
Pachine basa rekudzidzisa rinofanira kuitwa nevanodyidzana masangano e Central Bank pamwe nekupa kwePix kupa kujekesa kukuru kune chikamu chevanhu nezve nzira itsva dzekubhadhara. Yakavimbiswa kana Kuiswa Pix ndiyo inonyanya kuzivikanwa chinhu chitsva pakati pevakabvunzurudzwa, nepo zvimwe zvitsva zveBC zvikumbiro senge zvinodzokororwa uye zvisingaite Pix hazvizivikanwe zvakanyanya uye zvinomiririra mwero wepamusoro wekufarira kubva kune vatengi.
Maitiro ekutengesa online muna 2023 1q3v2x
- Omnichannel Zvakaitika
Maitiro matsva emusika munguva pfupi anosanganisira kuwedzera kuparadzira ruzivo omnichannel, izvo zvinosanganisira kutenga online uye kutora muchitoro chemuviri, izvo zvinoreva kuti vatengi vanokwanisa kutora mukana wezvakanakira kutenga kuburikidza nemaitiro chaiwo pasina imwe yemapoinzi makuru asina kunaka, maererano netsvagiridzo, ndiko kuomerwa mukutsinhanisa chigadzirwa.
Pakati paGunyana 2021 na2022, 69% yakatengwa muchitoro chendaneti kuti iunganidze muchitoro chaicho, nepo mugore rapfuura yanga yave 48%. Nenzira imwecheteyo, 53% yeavo vakabvunzurudzwa vakatengwa pamhepo uye vakachinjana zvinhu muchitoro chemuviri, zvichiratidza kusimbaradzwa uye pre-disposition yevaBrazil kune rudzi urwu rwekutenga.
- pamisika
Kupfuura maitiro ane chekuita neruzivo omnichannel, pane kukura kuri pachena mumusika, nekupoterera 90% yevatengi vanopfuura 2000 vakabvunzurudzwa na Bhokisi reMaonero muna Chikunguru 2022 vachipindura kuti vanowanzo tenga mukati pamisika akadai saMercado Livre, America, Magazine Luiza, Submarino nevamwe.
Kubatsira kukuru kwe pamusika Izvi zvinokonzerwa nekureruka kwekushanda kwevatengesi vadiki, vanoshandisa chimiro chekambani hombe kuita kutengeserana uye maodha ekufambisa, nepo kune mutengi kune centralization yezvigadzirwa pane imwe webhusaiti ine yakavimbika system yekutenga chinhu. uye kuita kuti kubhadhara kuve nyore.
- 5G mu e-Commerce uye kushandisa data
Sezviri munzvimbo dzakasiyana dzinosanganisira tekinoroji, 5G inotarisirwa kukanganisa hukama hwakawanda hwatinahwo nekushandiswa kweinternet zuva nezuva. Tarisiro, maererano Fiserv, imhaka yekubuda kwechizvarwa chitsva chemakambani ekutengesa nekubatana kukuru nezvitoro zvenyama.
Uyezve, ne5G pane tarisiro kubva kuindasitiri yekukura kwenhamba yedata inogadzirwa, iyo parizvino inoshandiswa sechikamu chemaitiro ekuita zvemunhu ruzivo rwekutenga online kuburikidza neruzivo rwakadzama rwevateereri vakanangwa uye maitiro avo ekutenga. . Nenzira iyi, zvinova nyore kuchengetedza vatengi kubva kune vamwe vatengesi vane zvinokwezva zvinofadza mutengi.
Chekupedzisira, tsvagiridzo iyi yakagadzirirwa kuona misiyano maererano nemapoka ezera uye nguva dzekushanduka-shanduka munzira dzekubhadhara. Izvi zvinodaro kuti, uchishandisa kongiri data, zvinokwanisika kutarisira ramangwana uye kutarisira tekinoroji ichave yakakosha kuti maitiro aitike zvinobudirira.
ona zvimwe
11 matekinoroji ayo akapfuurwa nema smartphones.
Kunobva: Fiserv.
