Uburezi bwisoko: Kuzamuka kwa banki zisangiwe ingufu murwego rwisi

Mu myaka yashize, igitekerezo cyaamabanki yingufu zisangiweyagize uruhare runini, cyane cyane mu Bushinwa, aho ubukungu bwo kugabana bwateye imbere. Iyi serivise idasanzwe ituma abayikoresha bakodesha charger zikoreshwa kubikoresho byabo, bikemura ibibazo bikenerwa ningufu zigendanwa kwisi igenda yiyongera. Nyamara, intsinzi ya banki isanganywe ingufu ntabwo ihuriweho kwisi yose; buri gihugu kigaragaza ibibazo byihariye n'amahirwe agenga imiterere yisoko. Gusobanukirwa izi mbaraga bisaba uburyo bwuzuye bwo kwigisha isoko.

Imiterere y'Ubushinwa

Ubushinwa buza ku isonga ku isoko rya banki isanganywe ingufu. Hamwe nabaturage bishingikiriza cyane kuri terefone zigendanwa mubikorwa bya buri munsi, icyifuzo cyo kwishyuza terefone igendanwa cyiyongereye. Amasosiyete y'Abashinwa nka Meituan yashyizeho imiyoboro minini ya sitasiyo zishyuza mu mijyi, bituma abakoresha bakodesha byoroshye kandi bagasubiza banki z'amashanyarazi. Korohereza iyi serivisi, hamwe no kwihuta mu mijyi no kwihuta kwa terefone, byatumye habaho isoko rikomeye ku isoko.

Uburezi ku isoko mu Bushinwa bwibanze ku gukangurira abantu kumenya inyungu za banki zisanganywe ingufu. Ibigo byashora imari mubikorwa byo kwamamaza byerekana uburyo bworoshye, buhendutse, nuburyo bworoshye bwa serivisi. Byongeye kandi, ubufatanye nubucuruzi nka cafe, resitora, hamwe n’amaduka acururizamo byinjije amabanki y’ingufu zisangiwe mu buzima bwa buri munsi bw’abaguzi, bituma baba ikirangirire mu mijyi.

Icyerekezo rusange

Mu gihe Ubushinwa bwakiriye banki z’ingufu zisangiwe, ibintu biratandukanye cyane mu bindi bihugu. Urugero, muri Amerika, isoko iracyari mu ntangiriro. Nubwo ku isoko hari abakinnyi bake, nka Lyte, igitekerezo ntikiragera ku rwego rwo kwinjira nko mu Bushinwa. Imbaraga zo kwigisha ku isoko muri Amerika zigomba kwibanda ku kwerekana agaciro k’amabanki asanganywe ingufu, cyane cyane ahantu h’imodoka nyinshi nko ku bibuga by’indege, kaminuza, ndetse n’ibirori.

Mu Burayi, igisubizo ku mabanki asanganywe ingufu cyaravanze. Ibihugu nk'Ubudage, Ubutaliyani, Ubufaransa, Noruveje n'Ubwongereza byagaragaye ko bigenda byiyongera, aho amasosiyete nka Naki Power ayoboye. Nyamara, uburezi ku isoko ni ingenzi cyane kugira ngo tuneshe abaguzi gushidikanya ku bijyanye n'umutekano n'umutekano byo gukodesha ibikoresho bya elegitoroniki. Ubukangurambaga bwuburezi bushimangira ubunararibonye bwabakoresha, protocole yumutekano, ninyungu zibidukikije za banki zisanganywe ingufu zirashobora gufasha kubakira no gutwara abana.

Inzitizi n'amahirwe

Nubwo bishoboka kuzamuka, isoko rya banki yingufu zisangiwe rihura nibibazo byinshi kwisi. Ibibazo nko guhuza ibikoresho, ubujura, no kubungabunga ubuziranenge bwa banki yamashanyarazi birashobora kubuza kwaguka. Kwigisha isoko bigira uruhare runini mugukemura ibyo bibazo. Mu kumenyesha abakiriya ikoranabuhanga ryihishe inyuma yamabanki yingufu zisangiwe, ibigo birashobora kubaka ikizere no gushishikariza gukoresha.

Byongeye kandi, nkuko kuramba bibaye ikintu cyambere kubakoresha ku isi hose, banki zisanganywe ingufu zirashobora kwihagararaho nkibidukikije byangiza ibidukikije muburyo bwo kwishyuza gakondo. Kwigisha isoko kubyerekeye inyungu zibidukikije zo kugabana umutungo birashobora kumvikana nabaguzi bangiza ibidukikije, bigatanga inyungu zo guhatanira.

Umwanzuro

Isoko rya banki isanganywe ingufu ni urugero rwambere rwuburyo uburezi bwisoko bushobora kugira ingaruka kumyitwarire yabaguzi no gutwara abana. Mugihe Ubushinwa buyobora inzira, ibindi bihugu bitangiye gushakisha ubushobozi bwiyi serivisi idasanzwe. Mugusobanukirwa imbogamizi n'amahirwe yihariye muri buri soko, ibigo birashobora guhuza imbaraga zuburezi kugirango biteze imbere no gutera imbere. Mugihe isi igenda irushaho kwishingikiriza ku ikoranabuhanga rigendanwa, icyifuzo cy’amabanki asanganywe ingufu gishobora kwiyongera, bigatuma uburezi bwiza ku isoko bugira akamaro kuruta mbere hose.