The use of pixfor transactions, whether commercial or for individuals, has grown significantly since it came into effect in the country in November 2020. Data from the Central Bank indicate that the number of monthly transfers in this modality quadrupled between March 2021 and March 2022, making a huge leap from 392.6 million to 1.6 billion. Now, Bacen hopes that, with the new modality, new “movements” will emerge in the means of payment market, such as, for example, the Guaranteed Pix.
We still don't have a set date for the launch of the new feature, but it is already known that Pix Garantido aims to provide an alternative to using a credit card online. view or even in installments, allowing the consumer to pay via Pix a credit transaction, once approved by the issuing bank, which can be settled on an invoice coming.
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First, it would be necessary to better analyze the supposed calamity that Pix Guaranteed would potentially cause the entire credit card system. To do so, we just need to observe what has happened in the relationship between the Instant Pix modality and the debit card. Regarding the online part, a “predatory” relationship of one over the other was confirmed, which, however, has not materialized in physical transactions. One of the main customers in the market recently estimated that Pix's potential would convert a maximum of 5% of the debit volume into face-to-face transactions.
A positive scenario for the means of payment market would be the maintenance of harmony between these modalities. For buyers, in general, it is expected that these alternatives multiply when paying bills, providing an increase in the consumer base in Brazil by distributing different offers according to the particularities of each of the demands.
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