Центральний Банк Бразилії збирається запустити Pix Автомати, новий модуль оплати, який обіцяє стимулювати ще більше зростання електронної торгівлі в країні. Згідно дослідженню оприлюдненому Ebanx, компанія, спеціалізована в технології для платежів, нова функціональність повинна обігати принаймні 30 мільярдів доларів у свої перші два роки роботи, розглядаючи тільки сектор електронної комерції. Інформація є від Reuters
The Pix, released in November 2020, вже став абсолютним успіхом серед бразильців, рухаючи більше, ніж R$ 2 трлн за місяць у платежах та трансфертах. With the arrival of Automatic Pix, передбачена для червня цього року, тенденція є те що ці цифри ростуть ще більше, особливо в електронній комерції
Eduardo de Abreu, віце-президент продукту Ebanx, highlights the relevance of Automatic Pix for e-commerce segments that rely on recurring revenues, such as streaming services and software as a service companies. "It (Automatic Pix) tends to be very large and very relevant", Abreu states
The new option will allow for the scheduling of payments with weekly recurrence, monthly, quarterly or yearly, in a free service for customers and offered by companies. This differs from the Recurring Scheduled Pix, already in operation, which part of the users
Although the credit card is seen as the main competitor of Pix Automatic in e-commerce, Abreu believes that most of the growth of the new feature will come from new customers, currently without access to cards or with insufficient limits to hire these services
The study of Ebanx, based on internal data and data from other companies, points out that the Automatic Pix could gain about US$ 2 billion in credit card market in the first year of operation. Currently, the credit card moves approximately US$ 50 billion in recurring payments annually in Brazilian e-commerce
Alexandre Albuquerque, senior analyst at Moody's Ratings, believes that banks will not be significantly affected by the Automatic Pix, once they have diversified revenues and have offered benefits to keep customers on the credit card, like cashback programs
However, some banks are already anticipating to offer recurring payments via Pix, in an apparent strategy of loyalty and attraction of companies before the official launch. Santander Brazil, for example, already has a product that allows scheduling recurring payments via Pix, while Bradesco and Itaú Unibanco plan similar launches for the coming weeks
The Automatic Pix represents another step in the evolution of digital payments in Brazil, пропонуючи практичність, security and accessibility for both consumers and businesses. With its potential for billion-dollar movement, the new model should further boost the growth of Brazilian e-commerce in the coming years
