Kuzamuka kwa tekinoroji isangiwe na Banki ikora inganda

Mwisi yisi igenda yishingikiriza kubikoresho byikurura, ibisabwa kubisubizo byoroshye, byizewe, kandi byoroshye kwishyurwa biri murwego rwo hejuru. Mugihe telefone zigendanwa, tableti, hamwe nibishobora kwambara biba ibice byingenzi mubuzima bwa buri munsi, gukenera ingufu murugendo byatumye isoko ryiyongera kumabanki asanganywe ingufu. Ubu, inganda ziteguye gutera imbere cyane, bitewe n’ikoranabuhanga rigezweho rihindura uburyo ayo mabanki y’amashanyarazi akorwa, akwirakwizwa, kandi akoreshwa.

Iterambere mu buhanga bwo gukora

Kimwe mu bintu by'ingenzi byateye imbere muribanki isanganywe ingufuinganda zagiye zikoreshwa mu buhanga bugezweho bwo gukora, bugamije kuzamura imikorere y’umusaruro ndetse n’imikorere yibikoresho ubwabyo. Ibigo bikomeye ubu birimo kwinjiza ikoranabuhanga rigezweho nkubwenge bwa artile (AI), na Internet yibintu (IoT) kwinjiza mubikorwa byabo.

Ihuza rya IoT na Cloud
Ubundi buryo bwo guhindura umukino ni uguhuza tekinoroji ya IoT muri sisitemu isanganywe ingufu za banki. Amabanki yingufu zubu ntabwo arimashanyarazi yoroheje gusa - ni ibikoresho byubwenge bivugana nu mbuga zishingiye ku bicu kugira ngo zicunge ibarura, zikurikirane imikoreshereze, kandi urebe neza igihe gikurikirana imikorere y’ibikoresho.

Hamwe na banki ikoresha ingufu za IoT, abayitanga barashobora gukurikirana kure ubuzima bwa buri gikoresho, bakakira amakuru nyayo kubyerekeranye no kwishyuza, ubuzima bwa bateri, ninshuro zikoreshwa. Ibi bifasha ibigo gutezimbere amabanki yingufu zikora mukubungabunga mbere yuko ibibazo bivuka, byemeza ko buri gikoresho gikomeza kumera neza. Byongeye kandi, amakuru yakusanyirijwe muri sensor ya IoT yemerera abayikora kunonosora no guhindura uburyo bwabo bwo gukora bushingiye kumyitwarire yabaguzi, kunoza uburambe bwabakoresha.

Uburyo burambye bwo gukora
Kuramba bimaze kuba impungenge zikomeye mu nganda nyinshi, kandi urwego rwa banki rusanganywe amashanyarazi ntirusanzwe. Ababikora baragenda bakoresha tekinoroji yicyatsi kugirango bagabanye ingaruka zibidukikije mubikorwa byabo. Kuva gukoresha ibikoresho byangiza ibidukikije kugeza guteza imbere gahunda yo gutunganya bateri, ibigo biharanira kugabanya imyanda n’ibyuka bihumanya ikirere.

Iterambere rishimishije cyane ni uguhindukira kuri bateri zikomeye, zisezeranya kuzagira umutekano, gukora neza, no kuramba kuruta selile gakondo ya lithium-ion. Batteri zikomeye ntabwo zongera umutekano wamabanki yingufu gusa (mugabanya ibyago byo gushyuha cyangwa umuriro), ariko kandi zitanga ingufu nyinshi, bivuze ko amabanki yingufu ashobora gukorwa ntoya kandi yoroshye atitaye kubikorwa.

Inyungu kubaguzi nubucuruzi

Iterambere mu ikoranabuhanga mu nganda ntirigirira akamaro gusa amasosiyete akora amabanki y’amashanyarazi asanganywe gusa ahubwo n’abaguzi n’ubucuruzi babishingiraho.

Ku baguzi, ibisubizo ni serivisi yizewe, itekanye, kandi yoroshye. Kunoza tekinoroji ya batiri bivuze ko banki zingufu zishobora kubika ingufu nyinshi, kwishyuza vuba, no kumara igihe kirekire, byemeza ko ibikoresho byabakoresha bikomeza gukoreshwa muminsi yabo myinshi. Byongeye kandi, urusobe rwiyongera rwamashanyarazi asanganywe-bitewe nuburyo bwiza bwo gukora no gukwirakwiza ibikoresho - bivuze ko abantu bazabona uburyo bwo kubona amabanki yingufu, aho bari hose.

Kubucuruzi, ubushobozi bwo gukurikirana no kubungabunga amabanki yingufu za kure bifasha kugabanya igihe cyo gukora no kunoza imikorere. Amasosiyete akodesha banki yamashanyarazi arashobora guteganya neza ibyifuzo nibyifuzo byaho, bikabemerera gushyira ingamba muburyo bwimodoka nyinshi aho abakiriya bashobora kubakenera. Byongeye kandi, amakuru yakusanyijwe binyuze mumiyoboro ya IoT arashobora gutanga ubushishozi bwimyitwarire yabakiriya, bigafasha ubucuruzi kunonosora ingamba zabo zo kwamamaza no kuzamura ibikorwa byabakiriya.

Ejo hazaza h’ikoranabuhanga rya Banki isanganywe ingufu

Urebye imbere, ejo hazaza h’ikoranabuhanga risangiwe ingufu za banki ni nziza. Mugihe ibikorwa byo gukora bikomeje gutera imbere, ibikoresho ubwabyo bizarushaho gukora neza kandi byorohereze abakoresha. Ibizakurikiraho byo guhanga udushya biteganijwe kuzana ibihe byihuse byo kwishyuza, bateri zimara igihe kirekire, hamwe no guhuza hamwe nizindi serivisi zifasha IoT.

Hariho kandi ibyiringiro bishimishije byo gushiramo ubwenge bwubukorikori kugirango umuntu amenye uburambe bwabakoresha. Kurugero, AI irashobora guhanura igihe umukoresha azakenera kwishyurwa ukurikije aho biherereye, imikoreshereze yibikoresho, hamwe nurwego rwa batiri, wohereza imenyesha kubyerekeye amabanki yingufu ziboneka hafi. Byongeye kandi, sisitemu ikoreshwa na AI irashobora gufasha guhanura no gukemura amakosa ashobora kuba mugihe nyacyo, bikagabanya igihe cyo gutaha no kongera serivisi zizewe.

Mugihe tugenda twiyongera kwisi kandi igendanwa, urwego rwamabanki rusangiwe ruzagira uruhare runini mugukomeza ibikoresho byacu - nubuzima bwacu - kwishyurwa no guhuzwa. Mu gukoresha ikoranabuhanga rigezweho mu nganda, inganda ntizihuza gusa n’abaguzi b’iki gihe ahubwo inashiraho urufatiro rw’ejo hazaza heza, harambye.

Mu gusoza, inganda zisanganywe ingufu za banki ziratera imbere byihuse bitewe niterambere mu ikoranabuhanga mu nganda. Kuva kuri automatike na IoT kwishyira hamwe kugeza kwifashisha ibikoresho birambye hamwe na bateri zikomeye za leta, ibyo bishya bifasha kugirango ingufu zigendanwa zirusheho kugerwaho, gukora neza, kandi byizewe kuruta mbere hose. Mugihe isoko rikomeje kwiyongera, ejo hazaza h'amabanki asanganywe ingufu hasa neza kurusha mbere, hamwe nikoranabuhanga rishya ryashyizweho kugirango rihindure uburyo dukomeza guhuza inzira.