Revolut, ɗan asalin Biritaniya, wanda ke da abokan ciniki miliyan 40 a duk duniya a cikin ƙasashe 50 da kuma lasisin banki mai daraja don Yankin Tattalin Arziki na Turai, yanzu ya sami izini daga mai kula da harkokin banki na Mexico don zama banki a hukumance a ƙasar.

Haɗuwa da sahu na neobanks na dijital, ƙoƙarin Revolut ya zo a cikin haɓakar haɓaka tsakanin masu ba da lamuni na kan layi a cikin ƙasar da haɓaka gasa. Yanzu, dole ne ta bi wasu buƙatu don ƙaddamar da ayyuka a hukumance nan ba da jimawa ba.

An kafa shi a cikin 2015 a cikin Burtaniya amma yanzu yana hidima ga ƙasashe da yawa a duk faɗin Turai, Revolut yana da niyyar sassaƙa sarari a cikin kasuwar Mexico da ke da cunkoson jama'a tare da samfuran flagship ɗin sa: canja wurin ƙasa da ƙasa mai rahusa.

Mataki na dabara daga Revolut yana ba da 'ya'ya

Matakin ya biyo bayan wata dabara yanke shawara a yankin. Mai ba da lamuni na dijital ya kuma kafa kanti a Brazil, kuma, yayin da kasuwar banki ta dijital ke kara yin gasa a Latin Amurka. Yawancin bankunan neobank a cikin ƙasar sun riga sun sami babban kaso na kasuwa, suna ƙalubalantar babban bankin gargajiya na dogon lokaci.

A Mexico, duk da haka, kasuwa ba ta cika girma ba, inda kudaden da ake fitarwa ke taka rawa sosai a tattalin arzikinta idan aka kwatanta da Brazil. Wannan lasisin zai ba da damar Revolut ya samar da nau'ikan samfuran kuɗi da sabis ga masu amfani da Mexico, "in ji kamfanin, kuma yana shirye-shiryen aiwatar da tsarin binciken da hukumomi za su gudanar, wani muhimmin mataki kafin fara ayyuka a cikin kasuwa.

Revolut ya kasance yana ƙoƙarin neman amincewa a Mexico tun 2021, lokacin da ya kawo tsohon shugaban RappiPay Juan Miguel Guerra don jagorantar shiga kasuwa. Kasuwancin kasuwancin Latin Amurka ya ja hankalin cibiyoyi da yawa na kasashen waje a cikin 'yan shekarun nan, amma ba duk ƙoƙarin da aka yi ba ya yi nasara.

A shekarar da ta gabata ne mai ba da lamuni na Jamus N26 ya sanar da janyewa daga Brazil. Duk da niyyar gabatar da sadaukarwar asusunta na duniya don yiwa 'yan Brazil hidima da ke balaguro zuwa ƙasashen waje, ta yi ƙoƙarin samun karɓuwa sosai. Wannan ya bayyana musamman yayin da sauran masu ba da lamuni na dijital, waɗanda Nubank ke jagoranta, suka mamaye babban rabon kasuwa kuma sun gabatar da shinge mai ƙarfi ga sabbin masu shiga.

Revolut da sauran fintechs na waje a Mexico

Tsarin yanayin fintech na Mexico yana da ƙarfi babu shakka, yana alfahari da kusan kamfanoni 1,000, gami da ƙungiyoyin waje 217 daga ƙasashe sama da 22. A cikin shekaru biyar da suka gabata, fannin cikin gida ya baje kolin wani babban ci gaban shekara-shekara na kashi 18.4%. Wannan ci gaban yana kara ruruwa ne ta hanyar kwararar kamfanonin da ba na Mexica ba, suna sha'awar shiga kasuwar masu amfani da miliyan 130.

Sashin fintech a Mexico ya kasance abin jan hankali ga 'yan wasan duniya, musamman na makwabciyarta ta arewa. Fintechs daga Amurka sun mamaye tsakanin masu shigowa kasashen waje, suna da'awar babban kashi 25.8% na farawar kasa da kasa. Kamfanonin Chile suna bin bayansu da kashi 20.3%, inda Colombia da Argentina suka mamaye matsayi na uku da na hudu tare da hannun jari na 16.1% da 13.4%, bi da bi.

Har ila yau, a kwanan nan, katafaren kamfanin Santander na Spain ya sanar da cewa zai kawo bankin dijital na Turai, Openbank, zuwa Amurka da Mexico tare da tsammanin ƙaddamarwa a cikin rabin na biyu na wannan shekara. Kasuwar hada-hadar kudade ta kuma ja hankalin Nubank, babban mai fafatawa.

Kuɗaɗen da ke fitowa daga Amurka suna taka rawa sosai a cikin tattalin arzikin Mexico, suna ba da gudummawa kusan 4% ga GDP ɗinta. 'Yan kasar Mexico da ke zaune a Amurka sun aika da dala biliyan 63.2 na kudaden waje a bara.

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• Source: https://www.fintechnexus.com/uk-neobank-revolut-gets-mexico-banking-license-eyes-remittances/