Kubhadhara nefoni kwave chinhu chakajairika pakati pevatengi veCaixaBank. Bhangi iri rakasvika padanho idzva muna Chikumi nehuwandu hwakakura hwekutengeserana kwakaitwa kuburikidza nemafoni nemawachi emazuva ano. Ruzivo urwu runoratidza maitiro ari kukura ayo ikozvino anomiririra chikamu chikuru chekutenga kwese kwemakadhi.
Zvichienderana nedata rakapihwa nebhangi, vashandisi vakabhadhara 750,8 miriyoni panharembozha pakati paNdira naChikumi, 27,5% kupfuura munguva imwe chete gore rapfuura. Chikumi chega chakaona kutengeserana kwemamiriyoni zana nemakumi matatu nemapfumbamwe nemazana manomwe, nhamba yepamusoro yemwedzi wega wega yakanyorwa. Nhamba idzi dzinosimbisa kuti kubhadhara nefoni kwave imwe nzira inoshanda pane makadhi chaiwo.
Kuputsa rekodhi muhafu yekutanga yegore
Kukura kwekubhadhara nefoni hakuna kudzikira. Muhafu yekutanga ya2026, vatengi veCaixaBank vakaita kutengeserana nefoni kunodarika mamiriyoni mazana manomwe nemakumi mashanu , kuwedzera kwe27,5% zvichienzaniswa nenguva imwe chete yegore rapfuura. Kukura uku kunokonzerwa nekureruka kwekubhadhara pasina kubata uye kushanda zvakanaka kwemakadhi nemasevhisi akasiyana-siyana.
Mwedzi waChikumi waive wakasimba zvikuru. Nekutengeserana kwemamiriyoni zana nemakumi matatu nemapfumbamwe nemazana manomwe (139,7 million transactions) , kwakapfuura zvinyorwa zvese zvekare. Bhangi rinotsanangura nhamba iyi serekodhi uye rinosimbisa kuti kukwira kwemitengo kucharamba kuripo mumwedzi iri kuuya.
Chimwe chinhu chakakosha ndechekukosha kuri kukura kwekubhadhara nefoni mukutenga makadhi. Sekureva kwedata rakapihwa neCaixaBank, inenge 44% yekutengeserana kwemakadhi ebhangi ikozvino kwava kuitwa kuburikidza nemidziyo yenharembozha kana zvipfeko zvinopfekwa . Nemamwe mashoko, inenge imwe chete pakutenga kaviri inobhadharwa nefoni kana wachi.
Vatengi vakawanda uye makadhi akabatanidzwa
Huwandu hwevanhu vanobhadhara nemafoni avo huri kuramba huchikura. Mumwedzi gumi nemiviri yapfuura, vatengi veCaixaBank vanotenga nemafoni avo hwakawedzera ne18%, kusvika pamamiriyoni 5,73 . Huwandu hwemakadhi akabatana nemidziyo yedhijitari hwakawedzerawo, huchiwedzera ne17,8% kusvika pamamiriyoni 8,6.
Nhamba idzi dzinoreva kuti chikamu chimwe muzvina chemakadhi ese anoburitswa nebhangi ikozvino akabatana nemudziyo wekubhadhara. CaixaBank ine makadhi anoda kusvika mamiriyoni makumi matatu nemashanu muSpain, makuru kupfuura ose munyika, uye mazhinji acho anogona kushandiswa kubva pafoni mbozha kana smartwatch.
Kuzvipira kwebhangi kunopfuura nhamba. Vatengi vanogona kubatanidza makadhi avo kumapuratifomu ekubhadhara enharembozha akadai seApple Pay, Google Pay, Samsung Pay, Garmin Pay, Swatch Pay, naFidesmo Pay . Mhinduro idzi dzinobvumira kubhadhara pasina kubata muzvitoro, pamwe nemapurogiramu e-commerce nemawebhusaiti, zvese kubva pamafoni avo.
Kuchengetedzeka uye ruzivo rwemushandisi
Bhangi iri rinosimbirira kuti kubhadhara nefoni hakukanganisi kuchengetedzeka. Kutengeserana kunodzivirirwa nezvikamu zvitatu zvekuchengetedza uye kunotenderwa kushandisa masisitimu e biometric akadai seminwe kana kuziva kumeso. Izvi zvinobatsira kuti pave neruzivo rwakapfava, rwakachengeteka, uye rwemunhu , sezvinosimbiswa neCaixaBank.
Kureruka ndechimwe chinhu chinotsanangura kubudirira kwayo. Vashandisi vanogona kutakura makadhi akati wandei akabatanidzwa mumudziyo uye kusarudza kuti ndeapi ekushandisa chero nguva. Uyezve, mawachi nezvimwe zvinopfekwa zvinobvumira kubhadhara pasina chikonzero chekutora chikwama, ukuwo zvichipawo maficha akasiyana-siyana ekuchengetedza ekubhadhara nefoni.
Mhedzisiro pahurongwa hwedhijitari
Kufambira mberi uku chikamu chehurongwa hweCaixaBank hwe2025-2027, hunotarisa pakushandurwa kwedhijitari uye kushandiswa kwetekinoroji itsva. Bhangi iri ratove nevatengi vedhijitari vanosvika mamiriyoni gumi nematatu muSpain , mushure mekuwedzera vanopfuura 600.000 mugore rapfuura, zvichiita kuti rive pamberi pechikamu chezvemari.
Uyezve, kuburikidza nekambani yavo yeCaixaBank Payments & Consumer, boka iri rinotungamira mumusika wekubhadhara weIberia. Pamwe chete, vane makadhi anopfuura mamiriyoni makumi matatu nemashanu muSpain nePortugal, vatengi vanopfuura mamiriyoni gumi nemapfumbamwe, uye vane zvikwereti zvinopfuura mabhiriyoni gumi nematatu eeuro. Mugove wavo wekutengeserana kwekutenga muSpain unosvika 31%.
Tichitarisa mberi, sangano iri rinotarisira kuti kubhadhara nefoni kuchaenderera mberi nekukura. Sekureva kwezvakafanotaurwa, huwandu hwekutengeserana kwakaitwa kuburikidza nefoni hunogona kuwedzera zvakanyanya mumwedzi iri kuuya, zvichikonzerwa nekuwedzera kwetekinoroji isina kubata uye kufarira kwevashandisi matekinoroji ekubhadhara emangwana uye ari nyore kushandisa.
Data rakapihwa neCaixaBank rinoratidza kuti pane nzira isingamisiki: kubhadhara nefoni kwave chinhu chikuru pakubhadhara kwevanhu vekuSpain. Nekutengeserana kwakanyorwa mamiriyoni 139,7 pamwedzi uye kukura kwakasimba kwe27,5% muhafu yekutanga yegore, bhangi iri riri kubatanidza hutungamiriri hwaro mukuita kuti kubhadhara kuve kwedhijitari. Kubatanidzwa kwekurerukirwa, kuchengetedzeka, uye mapuratifomu akasiyana-siyana kunoratidza kuti maitiro aya acharamba achikwira mumakore anotevera.
