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Zamanin Takardar Umarnin Kiredit (DOC) a bankunan Brazil yana gab da ƙarewa. Saboda haka, Ƙungiyar Bankunan Brazil (Febraban) ta sanar da cewa, daga ranar 15 ga Janairu, 2024, da ƙarfe 22:00, cibiyoyin da ke da alaƙa ba za su ƙara ba da sabis ɗin bayarwa da tsara lokaci ga mutane da kamfanoni ba.
Wannan sauyi ya nuna ƙarshen wani zamani a tarihin harkokin banki na Brazil, inda DOC, wanda Babban Bankin Brazil ya ƙirƙira a shekarar 1985, ya kasance muhimmin kayan aiki don musayar kuɗi. Duk da haka, tare da ci gaban fasaha da bullar hanyoyi mafi inganci da arha, kamar Pix, DOC ya rasa muhimmancinsa, lamarin da ya kai ga wannan shawara mai tarihi.
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Duba ƙari: Kalandar hukuma ta BPC. Duba
Raguwar amfani da DOC da haɓakar Pix
Shawarar kawo ƙarshen DOC ta yi daidai da yanayin raguwar amfani da wannan hanyar musayar kuɗi. Saboda haka, wani bincike na Febraban ya bayyana cewa, a farkon rabin shekarar 2023, hada-hadar ta hanyar DOC ta wakilci kashi 0,05% kacal na jimillar hada-hadar banki biliyan 37 da aka gudanar. Bugu da ƙari, Pix ya jagoranci fifikon ’yan Brazil da hada-hadar biliyan 17,6. Waɗannan alkaluma suna nuna bayyanannen sauyi a halayen masu amfani, waɗanda yanzu suka fi zaɓar hanyoyi masu sauri da sauƙi don hada-hadarsu ta kuɗi.
Tasirin kawo ƙarshen hanyar biyan kuɗi
Kawo ƙarshen DOC yana haifar da jerin abubuwan da za su shafi fannin banki da abokan cinikinsa. Tare da iyakar R$ 4.999,99 ga kowace hada-hada, DOC ya kasance zaɓi don ƙananan canja wurin kuɗi, waɗanda ake aiwatarwa washegari bayan bayar da umarnin canja wurin. Haka kuma za a daina amfani da Transferência Especial de Crédito (TEC), wadda kamfanoni ke amfani da ita musamman wajen biyan alawus-alawus.
Ta wannan hanyar, ranar ƙarshe ta aikawa ko tsara DOC da TEC ita ce 15 ga Janairu 2024, kuma za a kammala sarrafa waɗannan ayyuka a ranar 29 ga Fabrairu 2024. Wannan sauyi yana wakiltar wani muhimmin mataki zuwa tsarin banki mai sauri da na zamani, wanda ya dace da buƙatu da tsammanin abokan ciniki na yanzu.
