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Yau ta nuna ƙarshen wani zamani a tsarin bankunan Brazil: rana ta ƙarshe don yin tura kuɗi ta hanyar Documento de Ordem de Crédito (DOC). Wannan sauyi yana wakiltar muhimmiyar sauyawa zuwa hanyoyin tura kuɗi na zamani da inganci. DOC, wanda a dā ya kasance ɗaya daga cikin manyan hanyoyin tura kuɗi a ƙasar, yanzu yana ba da fili ga wasu hanyoyi masu sauri da sauƙi, kamar PIX. A cikin wannan labarin, za mu bincika tasirin wannan sauyi da abin da yake nufi ga masu amfani da kamfanonin Brazil.
Shawarar kawo ƙarshen tura kuɗi ta hanyar DOC ta zo a lokacin da Brazil ke saurin matsawa zuwa tsarin kuɗi na dijital. Saboda haka, da zuwan PIX, tsarin biyan kuɗi na take wanda Babban Bankin Ƙasa ya ƙirƙira, amfani da DOC ya ragu sosai. Bari mu fi fahimtar dalilan da suka sa aka yi wannan sauyi da kuma yadda yake shafar ayyukan banki na yau da kullum.
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Duba ƙari: An rage iyakarka ba tare da sanarwa a gaba ba? Ka san haƙƙoƙinka
Raguwar DOC da haɓakar PIX
DOC, wanda yake ba da damar tura kuɗi har zuwa ƙarfe 22:00 don ranar aiki ta gaba, ya rasa muhimmancinsa bayan zuwan PIX. Ta wannan hanyar, wannan sabon tsarin yana ba da damar yin ma'amalolin kuɗi a kowane lokaci na rana, har da ƙarshen mako, ba tare da kuɗi ga masu amfani na daidaiku ba.
Idan aka kwatanta, DOC ya zama tsohon yayi, inda yawan ma'amaloli ya wakilci ƙaramin kaso ne kawai na jimillar ayyukan banki. Saboda haka, bisa ga bayanan Ƙungiyar Bankunan Brazil (Febraban), ma'amalolin wannan nau'i sun kai jimillar ma'amaloli miliyan 18,3 kawai a rabin farko na 2023, wanda ya yi daidai da kashi 0,05% kawai na jimillar ma'amaloli biliyan 37 da aka gudanar a wannan lokaci.
Tasirin ƙarewar ga masu amfani da kamfanoni
Ga masu amfani, ƙarshen DOC yana nufin daidaitawa da sabbin hanyoyin aika kuɗi, musamman PIX. Wannan tsarin ba ya bayar da sauri da samuwa kawai, har ma yana kawar da kuɗaɗen da ke tattare da wasu nau’ikan aika kuɗi. Ga kamfanoni, musamman waɗanda ke amfani da DOC wajen biyan fa’idodin ma’aikata, canjin yana buƙatar sabunta hanyoyin tafiyar da kuɗi. Sauyawa zuwa PIX ko wasu hanyoyin dijital yana alkawarin inganci da saurin aiwatar da mu’amalolin kuɗi na yau da kullum.
Rufe aika kuɗi ta DOC wani muhimmin mataki ne a ci gaban tsarin banki na Brazil. Yana nuna karuwar fifikon hanyoyin dijital masu sauri da inganci, tare da daidaita Brazil da yanayin duniya a fannin hidimomin kuɗi.
