Mu myaka yashize, uko abantu bashingira ku bikoresho bigendanwa byiyongereye, icyifuzo cy’amabanki asanganywe ingufu ku isi cyiyongereye. Mugihe abantu bagenda bishingikiriza kuri terefone zigendanwa na tableti mu itumanaho, kugendana no kwidagadura, gukenera ibisubizo byoroshye kwishyurwa byabaye ingirakamaro. Iyi ngingo itanga isesengura ryimbitse ryibisabwa ku isoko ry’amabanki asanganywe ingufu mu bihugu bitandukanye, yibanda ku itandukaniro ry’imyitwarire y’abaguzi n’ibyo bakunda.

Imigendekere yisoko ryisi yose

Hamwe no gukwirakwiza ibikoresho bigendanwa, isoko rya banki isanganywe ingufu ryagaragaye vuba kandi rihinduka igice cyingenzi cyibidukikije ku isi. Nyamara, isoko ryamasoko mubihugu bitandukanye ryerekana itandukaniro rinini, riterwa ahanini ningeso zo gukoresha, ibikorwa remezo, uburyo bwo kwishyura hamwe n’ikoranabuhanga ryinjira.

Aziya: Isabwa rikomeye nisoko rikuze

Ibihugu bya Aziya, cyane cyane Ubushinwa, Ubuyapani na Koreya yepfo, bikeneye cyane amabanki asanganywe ingufu. Dufashe Ubushinwa urugero, amabanki yingufu zisangiwe yabaye mubuzima bwumujyi. Umubare munini wabaturage kandi wateje imbere uburyo bwo kwishyura kuri terefone (nka WeChat Pay na Alipay) byateje imbere iterambere ryiri soko. Mu Buyapani no muri Koreya yepfo, imijyi yibanda cyane hamwe n’imodoka nyinshi zikoreshwa mu gutwara abantu nazo zatumye ikoreshwa rya serivisi zisanzwe zishyurwa. Bimaze kuba akamenyero kubakoresha gukodesha banki zamashanyarazi mumasoko, resitora, gariyamoshi nahandi.

Amerika ya ruguru: Kongera kwemerwa hamwe nubushobozi bukomeye bwo gukura

Ugereranije na Aziya, icyifuzo cy’amabanki asanganywe ingufu ku isoko ry’Amerika y'Amajyaruguru kiriyongera ku buryo bwihuse, ariko ubushobozi ni bwinshi. Abaguzi b'Abanyamerika n'Abanyakanada bitondera cyane uburyo bworoshye kandi bwizewe bwibicuruzwa. Mugihe ubukungu bwo kugabana ubukungu bwemewe cyane (nka Uber na Airbnb), gukundwa kwamabanki yingufu zisangiwe ni bike. Ibi biterwa cyane cyane nuko umuvuduko wubuzima muri Amerika ya ruguru worohewe kandi abantu bafite ingeso ikomeye yo kuzana ibikoresho byabo byo kwishyuza. Icyakora, hamwe no kumenyekanisha imiyoboro ya 5G no kwiyongera kw’amashanyarazi y’ibikoresho bigendanwa, isoko ry’amabanki asanganywe amashanyarazi riragenda ryiyongera cyane cyane ahantu nko ku bibuga by’indege, amakoraniro n’imurikagurisha, hamwe n’ubukerarugendo bukurura ba mukerarugendo.

Uburayi: Guhuza ingufu zicyatsi nicyerekezo rusange

Abaguzi b’ibihugu by’i Burayi bahangayikishijwe cyane no kurengera ibidukikije n’iterambere rirambye, bityo ibigo by’amabanki asanganywe ingufu bigomba gushimangira ikoreshwa ry’ingufu z’icyatsi n’ibishushanyo mbonera. Icyifuzo cy’amabanki asanganywe ingufu mu bihugu by’Uburayi cyibanze cyane mu bihugu bifite imijyi myinshi yo mu mijyi, nk'Ubudage, Ubwongereza n'Ubufaransa. Muri ibi bihugu, amabanki asanganywe ingufu akenshi yinjizwa muri sisitemu yo gutwara abantu, cafe, no mububiko bwibitabo. Bitewe na sisitemu yo kwishyura amakarita yinguzanyo yu Burayi yateye imbere hamwe n’igipimo kinini cyo gukoresha NFC, byoroha gukodesha amabanki asanganywe ingufu.

Uburasirazuba bwo hagati na Afurika: Amasoko avuka afite ubushobozi budakoreshwa

Isabwa rya banki zisanganywe ingufu mu burasirazuba bwo hagati no ku masoko yo muri Afurika ziragenda zigaragara. Mugihe igipimo cya enterineti cyinjira muri utu turere kigenda cyiyongera vuba, abakoresha batunzwe nubuzima bwa bateri ya terefone igendanwa. Uburasirazuba bwo hagati bufite inganda z’ubukerarugendo zateye imbere, zitanga inkunga ikomeye ku byifuzo by’amabanki asanganywe ingufu, cyane cyane nko ku bibuga by’indege ndetse n’amahoteri yo mu rwego rwo hejuru. Isoko nyafurika rihura n’ibibazo kubera iyubakwa ry’ibikorwa remezo ridahagije, ariko kandi ritanga amasosiyete asanzwe yishyuza afite amahirwe make yo kwinjira.

 

Amerika y'Epfo: Ibisabwa biterwa n'ubukerarugendo

Icyifuzo cy’amabanki asanganywe ingufu ku isoko ry’Amerika yepfo cyibanda cyane mu bihugu bifite inganda z’ubukerarugendo zateye imbere nka Burezili na Arijantine. Ubwiyongere bwa ba mukerarugendo mpuzamahanga bwatumye ba mukerarugendo bakurura hamwe n’ahantu ho gutwara abantu byihutisha kohereza ibikoresho bisangirwa. Nyamara, isoko ryaho ryemera kwishura kuri terefone ni rito, ryateje inzitizi zimwe na zimwe mu kuzamura amabanki y’amashanyarazi asanganywe. Ibi bintu biteganijwe ko bizagenda neza uko terefone igendanwa hamwe n’ikoranabuhanga ryo kwishyura hakoreshejwe ikoranabuhanga.

Incamake: Guhuza n'imiterere yaho n'ingamba zitandukanye nurufunguzo

Ibisabwa ku isoko rya banki y’amashanyarazi asangiwe ku isi biratandukanye bitewe n'akarere, kandi buri gihugu n'akarere bifite umwihariko wacyo ku isoko. Iyo kwaguka ku masoko mpuzamahanga, amasosiyete ya banki asanganywe ingufu agomba guhuza n'imiterere yaho kandi agategura ingamba zitandukanye. Kurugero, muri Aziya, guhuza sisitemu yo kwishyura no gukwirakwiza ibintu byihuta cyane bishobora gushimangirwa, mugihe muri Amerika ya ruguru n’Uburayi, intego ishobora kwibanda ku guteza imbere ikoranabuhanga ry’ibidukikije na serivisi zoroshye. Mugusobanukirwa neza ibikenerwa n’abaguzi mu bihugu bitandukanye, amasosiyete arashobora gukoresha neza amahirwe yo kwiteza imbere ku isi no guteza imbere iterambere ry’inganda zisangiwe n’amashanyarazi.

Umwanzuro: Icyerekezo kizaza

Mugihe icyifuzo cyamabanki yingufu zisangiwe gikomeje gutera imbere, ibigo nka Relink bigomba kuguma byihuta kandi byita kumihindagurikire yisoko. Mugusesengura itandukaniro ryibisabwa ku isoko mu bihugu bitandukanye, barashobora gushyiraho ingamba zigamije kumvikana n’abaguzi baho. Ejo hazaza h’inganda zisanganywe ingufu za banki hasa naho itanga icyizere, hamwe n'amahirwe yo kuzamuka haba mumasoko yashizweho kandi azamuka. Hibandwa ku guhanga udushya, gusobanukirwa umuco, no gutandukanya irushanwa, Relink ihagaze neza kugirango iyobore inshingano muri uru rwego rufite imbaraga, itanga ibisubizo byoroshye kandi byizewe kubakoresha ku isi.