Haracyari isoko ryamabanki yingufu zisangiwe ubu?

Isoko rya banki yingufu zisangiwe riracyari mubyiciro byiterambere bikomeza. Hamwe no gukenera kwiyongera kwishyurwa ryoroshye, isoko ifite inyungu nyinshi. Nk’uko PwC ibiteganya, mu 2025, ubukungu bw’isaranganya buziyongera bugera kuri miliyari 335 z'amadolari, naho isi yose hamwe n’imijyi n’ingenzi mu kuzamura iryo terambere. Iyi nayo ni moteri nini yo gukundwa no kuzamuka kwisoko rya banki isanganywe ingufu.

1. Amafaranga yo gukodesha

Isangano rya banki isanganywe yinjiza amafaranga mukwishyuza abakoresha ubukode. Abakoresha barashobora gukodesha amabanki yingufu binyuze muri APP bakayasubiza nyuma yo kuyakoresha mugihe runaka. Ihuriro ryishyuza amafaranga runaka ukurikije igihe cyo gukodesha n'umubare wa banki z'amashanyarazi. Iyi moderi isa na moderi gakondo yo gukodesha kandi irashobora kubona amafaranga yinjiza. Isosiyete ikora amashanyarazi asanganywe yishyura ibikoresho, amafaranga yo kubungabunga ninyungu mugushiraho amafaranga yumvikana.

2. Kwamamaza

Ibikoresho bisanganywe ingufu za banki mubisanzwe bifite ecran zishobora gukoreshwa mugukina amatangazo. Ibicuruzwa byamabanki bisangiwe birashobora kubona amafaranga yo kwamamaza mukodesha umwanya wo kwamamaza kubacuruzi. Kubera ko amabanki yingufu ubusanzwe afite igihe kirekire cyo gukoresha, abakoresha bazajya bahura niyamamaza kuri bo mugihe bakoresha amabanki yingufu, atanga abamamaza umuyoboro mwiza wo kwamamaza ibicuruzwa. Ihuriro rya banki yingufu zisangiwe rishobora gushyiraho amafaranga yo kwamamaza hashingiwe ku mikoreshereze ya banki yingufu no gukwirakwiza kwamamaza kugirango ugere ku nyungu.

3. Guteza imbere amakoperative

Ibicuruzwa bisangiwe na banki byamashanyarazi bifatanya nubucuruzi, amahoteri, sitasiyo nahandi kugirango bashyire banki zamashanyarazi ahantu hambere, zitanga ibintu byinshi bikoreshwa mumabanki asanganywe ingufu. Binyuze mu kuzamura abafatanyabikorwa, ibirango byamabanki bisangiwe birashobora kubona inyungu zubucuruzi.

Imiterere yinyungu yabakozi ba banki basangiye ingufu:

Igipimo cyo gukoresha ibikoresho: Igipimo cyubukode bwibikoresho kigira ingaruka ku nyungu. Niba igipimo cyo gukoresha amabanki yingufu ari kinini, bivuze ko abakoresha benshi bafite ubushake bwo kwishyura, bityo bakongera inyungu.

Ibidukikije birushanwe: Urwego rwo guhatanira isoko narwo ruzagira ingaruka ku nyungu. Niba hari amabanki yingufu nyinshi asangiwe kumasoko, birashobora gukurura intambara zibiciro, bityo bikagabanya inyungu zinyungu, bityo tekinoloji yibikoresho ubwabyo (ubushobozi bwa banki yingufu, kwishyuza umuvuduko no gutuza) nabyo bigena guhitamo abaguzi

Guhaza kwabakoresha: Gutanga serivise nziza zirashobora kunoza abakoresha, gushishikariza abakoresha kongera gukoresha, kongera imbaraga zabakoresha, no kongera ibiciro byubukode.

Amafaranga yinjira muri banki yingufu zisangiwe afitanye isano rya hafi n’ahantu (ingendo zitwara abagenzi) za banki zisanganywe ingufu. Ahantu hatandukanye nka resitora, amahoteri, clubs, utubari, KTV, ibibuga byindege, sitasiyo, ubwogero, cafe, amaduka y’ibinyobwa, amaduka, sinema, nibindi bifite ibipimo bitandukanye byo kwishyuza.

Ukurikije uko isoko ryifashe muri iki gihe, inyinshi muri zo zizashyirwa ku ma euro 2-3 ku isaha.

Amabanki asanganywe amashanyarazi atandukanye nizindi nganda zisangiwe nkimodoka zisangiwe, imyenda isangiwe, nigare risangiwe. Kurugero, amagare asangiwe afite ibisabwa cyane kuri software hamwe nibikoresho byibicuruzwa, kandi imiyoboro yo kuzamura ibicuruzwa nayo ni ndende cyane.

Mubyongeyeho, imikorere no kuyitaho bisaba kandi ishoramari ryinshi. Nubwo ari ubukungu busangiwe, uburyo bwubucuruzi burasa ninganda gakondo.

Amabanki yingufu asangiwe aroroshye. Inama y’abaminisitiri y’amashanyarazi ishyizwe ahantu hateganijwe, kandi ikeneye gutegereza ko abakoresha bayikoresha. Ishoramari ryambere ni ryinshi, kandi amafaranga yakoreshejwe nyuma ari make kandi yoroshye kuruta ikiguzi cyo kubungabunga amagare.