Gucukumbura inzira nshya mubucuruzi bukodeshwa na banki isanganywe ingufu

Mw'isi yihuta cyane dutuye, aho ubuzima bwacu bugenda buhuzwa n'ikoranabuhanga, gukenera ingufu zizewe mu rugendo byabaye ingenzi cyane kuruta mbere hose.Ibi bikenewe byabyaye inganda zisanganywe ingufu za banki, aho abantu bashobora kubona amashanyarazi byoroshye ahantu rusange.Nyamara, uko ikoranabuhanga rigenda ryiyongera kandi abaguzi basaba guhinduka, ubucuruzi bw’amabanki asanganywe burimo guhura nuburyo bushya burimo guhindura imiterere ya serivisi zishyuza mobile.

Kwinjiza Inkomoko Yingufu Zisubirwamo

Ikintu kigaragara mubucuruzi bukodesha banki yingufu ni uguhuza ingufu zishobora kongera ingufu muri sitasiyo zishyuza.Hamwe n’imitekerereze y’ibidukikije igenda yiyongera, abaguzi bashaka ubundi buryo burambye mu mibereho yabo, harimo n’ikoranabuhanga.Abatanga amashanyarazi basanganywe basubiza bashiraho imirasire yizuba hamwe nubundi buryo bw’ingufu zishobora kuvugururwa kugirango bongere amashanyarazi.Ibi ntibigabanya ibirenge byabo gusa ahubwo binatanga amashanyarazi yizewe cyane cyane hanze cyangwa ahantu kure.

Ibiranga ubwenge hamwe na IoT Kwishyira hamwe

Iyindi terambere ryingenzi mubikorwa byingufu za banki isangiwe ni kwinjiza ibintu byubwenge hamwe na enterineti yibintu (IoT) kwinjiza mumashanyarazi.Iyi mikorere yateye imbere ituma abayikoresha bamenya sitasiyo yumuriro hafi ya porogaramu zigendanwa, kubika amabanki yingufu mbere, no kugenzura uko bishyuza mugihe gikwiye.Byongeye kandi, IoT ihuza yemerera abatanga amabanki asanganywe gukusanya amakuru kubijyanye nimikoreshereze nubuzima bwa bateri, bibafasha kunoza serivisi zabo no kuzamura uburambe bwabakoresha.

Kwaguka ku masoko mashya

Mugihe icyifuzo cyo kwishyuza terefone igendanwa gikomeje kwiyongera, abatanga banki basanganywe amashanyarazi baragenda baguka mumasoko mashya arenze imijyi gakondo.Abaturage bo mu cyaro, aho batwara abantu, aho ba mukerarugendo, n’ahantu ho kwidagadurira hanze hagaragara nkisoko ryunguka serivisi za banki zisanganywe ingufu.Mugukoresha ayo masoko adakoreshwa, abatanga isoko barashobora kugera kubantu benshi kandi bakabyara inyungu zikenewe mugushakisha uburyo bworoshye bwo kwishyuza mobile muburyo butandukanye.

Ubufatanye nubucuruzi ninzego

Ubufatanye nubucuruzi ninzego biragenda bigaragara cyane muruganda rusanganywe ingufu za banki.Amahoteri, resitora, inzu zicururizwamo, ibibuga byindege, na kaminuza bifatanya nabashoramari batanga amabanki asanganywe kugirango batange sitasiyo yo kwishyuza nk'inyongera kubakiriya babo n'abashyitsi.Ubu bufatanye ntabwo butezimbere ubunararibonye bwabakiriya gusa ahubwo butanga nabashoramari batanga amabanki asanganywe uburyo bwo kugera ahantu nyabagendwa, byongera ubushobozi bwabo hamwe nubushobozi bwo kwinjiza.

Wibande kubakoresha neza n'umutekano

Mu rwego rwo kwitandukanya n’isoko rihiganwa, abatanga amabanki basanganywe ingufu bashimangira cyane korohereza abakoresha n’umutekano.Ibi bikubiyemo gukoresha ikoranabuhanga ryihuta cyane, gushyira mubikorwa ingamba zikomeye z'umutekano zo kurinda amakuru bwite y’abakoresha, no kurinda ubwiza n’umutekano bya banki zabo z’amashanyarazi binyuze mu bizamini bikomeye kandi byemeza.Mugushira imbere kunyurwa kwabakoresha numutekano, abatanga amashanyarazi basanganywe barashobora kubaka ikizere nubudahemuka mubakiriya babo.

Mu gusoza, ubucuruzi bwamabanki asangiwe burimo guhinduka cyane biterwa niterambere ryikoranabuhanga, guhindura ibyo abaguzi bakunda, hamwe nisoko ryisoko.Mugihe abatanga isoko bahuza nibi bigezweho kandi bagashya udushya twabo, ejo hazaza ha serivise zo kwishyuza zigendanwa zirasa nicyizere, zitanga abakiriya ibisubizo byoroshye, byizewe, kandi birambye byamashanyarazi aho bagiye hose.

Ongera utekerezeni isoko rya mbere mu gutanga amabanki y’ingufu zisangiwe, twakoreye abakiriya benshi bapima ibipimo ngenderwaho ku isi, nka Meituan (umukinnyi ukomeye mu Bushinwa), Piggycell (ukomeye muri Koreya), Berizaryad (ukomeye mu Burusiya), Naki, Chargedup na Lyte.dufite itsinda ryinzobere zifite uburambe muriyi nganda.Kugeza ubu twohereje ibice birenga 600.000 bya sitasiyo kwisi yose.Niba ushishikajwe nubucuruzi bwamabanki asangiwe, nyamuneka twandikire kubindi bisobanuro.