Akamaro ka banki zisangiwe ingufu mugihe cyibiruhuko

Umwaka mushya w'Ubushinwa uraza vuba, birakenewe gusuzuma ibyagezweho mu mwaka ushize kandi dutegereje ejo hazaza. Imwe mungaruka zigaragara mumwaka ushize niterambere ryiterambere ryagusangira amashanyarazi ya banki, cyane cyane mu minsi mikuru nk'umwaka mushya w'Ubushinwa. Iyi serivise idasanzwe ntabwo ihindura uburyo bwo gucunga ibikoresho bigendanwa gusa, ahubwo inagaragaza akamaro ko korohereza mubuzima bwacu bwihuta.

Igitekerezo cyamabanki yingufu zisangiwe kiroroshye ariko gifite akamaro. Nkuko abantu bagenda bishingikiriza kuri terefone zabo zigendanwa mu itumanaho, kugendana no kwidagadura, gukenera imbaraga zizewe ntibyigeze byihutirwa. Kuva mu maduka acururizwamo abantu benshi kugeza aho abantu benshi batwara abantu, hashyizweho sitasiyo ikodeshwa na banki y’amashanyarazi, bituma abakoresha babona uburyo bworoshye bwo kubona amabanki y’amashanyarazi yuzuye. Serivisi yagaragaye ko ikunzwe cyane mugihe cyumwaka mushya wukwezi, mugihe imiryango ninshuti bateranira kwizihiza, akenshi biganisha kumikoreshereze ya terefone zigendanwa kugirango bafate kwibuka kandi bakomeze guhuza.

Dushubije amaso inyuma mu mwaka ushize, iterambere ry’amabanki asanganywe ingufu za banki ryagaragaye cyane. Ibigo byinshi byashora imari mu kwagura imiyoboro yabyo kugirango abakoresha babone aho bakodesha hafi aho bari hose. Uku kwaguka guterwa no gukenera gukenera ibisubizo byishyurwa rya terefone igendanwa, cyane cyane mugihe cyibihe nkumwaka mushya wUbushinwa iyo abantu bagenda, gusura abavandimwe no kwitabira ibikorwa byiminsi mikuru. Ibyoroshye byo kuba ushobora gukodesha banki yingufu mumasaha make cyangwa kumunsi byumvikanye nabaguzi, bigatuma imikoreshereze yiyongera nibitekerezo byiza.

Byongeye kandi, iyi sitasiyo ikodeshwa yashizemo ikoranabuhanga kugirango yongere uburambe bwabakoresha. Sitasiyo nyinshi zikodeshwa ubu zizanye na porogaramu zorohereza abakoresha zemerera abakiriya kubona sitasiyo ikodeshwa hafi, kugenzura ibiboneka, ndetse no kwishyura nta nkomyi. Iri terambere ryikoranabuhanga ntabwo ryatumye serivisi yoroha gusa, ahubwo yanatumye ikundwa cyane. Urebye imbere, biragaragara ko serivisi zikodeshwa za banki zisangiwe zizabona iterambere no guhanga udushya.

Urebye imbere, haribintu byinshi bishimishije kubisaranganya banki ikodesha inganda. Mugihe imijyi ikomeje kwaguka numubare wabakoresha telefone wiyongera, ibyifuzo byokwishyurwa byoroshye biziyongera gusa. Amasosiyete mu nganda arashobora gushakisha ubufatanye nubucuruzi nka cafe na resitora kugirango ashyireho sitasiyo ikodeshwa ahantu nyabagendwa, bikarushaho kunoza imikoreshereze y’abakoresha.

Byongeye kandi, uko ibibazo birambye bigenda birushaho kuba ingorabahizi, haribishoboka ko serivisi za banki zisanganywe zikoresha uburyo bwangiza ibidukikije. Ibi bishobora kubamo gukoresha ingufu zishobora kwishyurwa kugirango wishyure amabanki yingufu cyangwa gushyira mubikorwa gahunda yo gutunganya ibikoresho bishaje. Mugukoresha uburyo bugenda bwiyongera mukumenyekanisha ibidukikije, izi serivisi zirashobora gukurura abakiriya benshi mugihe batanga umusanzu mwiza kwisi.

Muri rusange, umwaka ushize wabonye intsinzi idasanzwe muri serivisi zikodeshwa za banki zisanganywe ingufu, cyane cyane mu mwaka mushya w'ukwezi. Mugutekereza kuri ibyo byagezweho, tugomba kumenya ubushobozi bwo kuzamuka no guhanga udushya muri uru ruganda rutera imbere. Hamwe ningamba nziza no kwibanda ku korohereza abakiriya no kuramba, sitasiyo ikodeshwa ya banki isanganywe izahinduka igice cyingenzi mubuzima bwacu bwa buri munsi, itume dukomeza guhuza aho turi hose.