Mugihe twegereye 2025, isoko rya banki isanganywe ingufu ryiteguye kuzamuka cyane, bitewe no kwiyongera kwishingikiriza kubikoresho bigendanwa no gukenera ibisubizo byoroshye byo kwishyuza. Nyamara, uru ruganda rugenda rwiyongera kandi ruhura n’ibibazo byinshi bishobora kugira ingaruka ku nzira.
Ibiriho ubu
Isoko ry’amabanki asanganywe ryagaragaje ubwiyongere bukabije mu myaka mike ishize, bitewe n’ikwirakwizwa rya terefone zigendanwa, tableti, n’ibindi bikoresho bya elegitoroniki byoroshye. Nk’uko ubushakashatsi buherutse gukorwa ku isoko bubigaragaza, isoko rya banki y’ingufu zisangiwe ku isi ryahawe agaciro ka miliyari 1.5 z'amadolari mu 2020 kandi biteganijwe ko rizagera kuri miliyari 5 z'amadolari mu 2025, rikazamuka ku kigero cyo kwiyongera ku mwaka (CAGR) hejuru ya 25%. Iri terambere ahanini riterwa no kwiyongera gukenewe kubisubizo byishyurwa, cyane cyane mumijyi aho abaguzi bahora bahuza.
Ibibazo byo guhangana nisoko
Nubwo iterambere ryiringiro ryiterambere, isoko rya banki yingufu zisangiwe ntiribura ibibazo. Dore zimwe mu ngorane zingenzi abafatanyabikorwa bazakenera kugenderaho:
1. Kwuzuza isoko
Mugihe isoko ryaguka, umubare wabakinnyi binjira mumwanya wa banki isanganywe ingufu uragenda wiyongera. Uku kwiyuzuzamo kurashobora gutuma habaho irushanwa rikomeye, kugabanya ibiciro no kugabanya inyungu. Ibigo bizakenera kwitandukanya binyuze muri serivisi zigezweho, ikoranabuhanga risumba ayandi, cyangwa ubufatanye budasanzwe kugirango bakomeze guhatanira irushanwa.
2. Inzitizi zigenga
Inganda za banki zisanganywe zigengwa n’amabwiriza atandukanye, harimo amahame y’umutekano hamwe n’ibisabwa uruhushya. Mugihe leta zo hirya no hino ku isi zigenda zikomera mu rwego rw’amabwiriza, ibigo bishobora guhura n’ibiciro byuzuzwa ndetse n’ibibazo bikora. Kugendera kuri aya mabwiriza bizaba ingenzi kubakinyi b'isoko kwirinda ibihano no gukora neza.
3. Iterambere ry'ikoranabuhanga
Umuvuduko wihuse witerambere ryikoranabuhanga utera ikibazo kandi amahirwe. Mugihe tekinolojiya mishya ishobora kuzamura imikorere nuburambe bwabakoresha ba banki zisanganywe ingufu, birasaba kandi ishoramari rihoraho mubushakashatsi niterambere. Ibigo binaniwe kugendana niterambere ryikoranabuhanga rishobora guhinduka igihe cyisoko ryihuta.
4. Imyitwarire y'abaguzi n'ibyo ukunda
Gusobanukirwa imyitwarire yabaguzi ningirakamaro kugirango batsinde isoko rya banki isanganywe ingufu. Mugihe abaguzi barushijeho kwita kubidukikije, harikenewe kwiyongera kubisubizo birambye kandi byangiza ibidukikije. Ibigo bidahuye nibyifuzo bihinduka birashobora guharanira gukurura no kugumana abakiriya.
5. Inzitizi zikorwa
Gucunga amatsinda ya banki asanganywe ingufu zirimo ibintu bigoye, harimo gucunga ibarura, kubungabunga, no kugabura. Isosiyete igomba gushora imari muri sisitemu yimikorere ikomeye kugirango banki zamashanyarazi ziboneke byoroshye kandi mumikorere myiza. Kutabikora birashobora gutuma abakiriya batanyurwa kandi bagatakaza ubucuruzi.
Amahirwe ku Isoko
Mugihe ibibazo ari byinshi, isoko rya banki yingufu zisangiwe naryo ryerekana amahirwe menshi yo gukura no guhanga udushya. Dore bimwe mubice byingenzi aho ibigo bishobora kubyara inyungu:
1. Kwaguka ku masoko mashya
Amasoko akura atanga amahirwe akomeye kubatanga amabanki yingufu. Mugihe terefone igenda yinjira mu turere nko mu majyepfo y’iburasirazuba bwa Aziya, Afurika, na Amerika y'Epfo, icyifuzo cyo kwishyuza kiziyongera. Ibigo byinjira mubikorwa byamasoko birashobora gushiraho ikirenge gikomeye kandi bikungukira mubyiza byimuka.
2. Ubufatanye nubufatanye
Gufatanya nubucuruzi mubice byuzuzanya birashobora gukora imikoranire no kuzamura itangwa rya serivisi. Kurugero, ubufatanye na resitora, cafe, hamwe nubucuruzi bwamaduka birashobora gutanga ibisubizo byoroshye byo kwishyuza kubakiriya mugihe utwaye amaguru kuri ibyo bigo. Ubwo bufatanye burashobora kandi kuganisha kubikorwa byo kwamamaza, kugabanya ibiciro no kongera ibicuruzwa bigaragara.
3. Udushya twikoranabuhanga
Gushora imari mu ikoranabuhanga ryateye imbere, nko kwishyuza bidasubirwaho na banki zikoresha ingufu za IoT, birashobora kuzamura uburambe bwabakoresha no gukora neza. Amasosiyete akoresha ikoranabuhanga kugirango atange ibisubizo byoroshye kandi byoroshye kwishyurwa birashoboka gukurura abakiriya benshi. Byongeye kandi, kwinjizamo ibintu nkibihe nyabyo byo gukurikirana no guhuza porogaramu igendanwa birashobora kunoza imikoranire yabakiriya no kunyurwa.
4. Ibikorwa byo Kuramba
Mugihe abaguzi bagenda bashira imbere kuramba, ibigo bikoresha ibidukikije byangiza ibidukikije bizagira inyungu zo guhatanira. Ibi bishobora kuba bikubiyemo gukoresha ibikoresho bisubirwamo muri banki zingufu, gushyira mubikorwa ibisubizo byogukoresha ingufu, no guteza imbere ubukungu bwizunguruka binyuze muri gahunda yo gutunganya ibicuruzwa. Muguhuza indangagaciro zabaguzi, ibigo birashobora kubaka ubudahemuka no gukurura abakiriya bangiza ibidukikije.
5. Inzira zinyuranye zinjira
Gucukumbura inzira zinyuranye zinjira birashobora gufasha ibigo kugabanya ingaruka zijyanye nihindagurika ryisoko. Kurugero, gutanga serivisi zishingiye kubiyandikisha, kwamamaza kuri kiosque ya banki yingufu, cyangwa gutanga serivisi zisesengura amakuru kubafatanyabikorwa birashobora gushiraho andi masoko yinjiza. Gutandukana birashobora kuzamura ihungabana ryamafaranga no gushyigikira iterambere rirambye.
Reink's Strategy Strategy Yinganda Zisangiwe ninganda muri 2025
Mugihe isoko rya banki yingufu zisangiwe rikomeje gutera imbere, Relink yiyemeje kwihagararaho nk'umuyobozi muriyi nganda zikomeye. Ingamba zacu muri 2025 zibanda ku nkingi eshatu zingenzi: guhanga udushya, kuramba, nubufatanye bufatika. Mugukoresha izo nkingi, tugamije gukemura ibibazo byo kuzura isoko mugihe twifashisha amahirwe agaragara.
Igihe cyo kohereza: Ukuboza-19-2024
