Gucukumbura Ubwiyongere budasanzwe bwubucuruzi busangiwe na banki

Mubihe byo guhuza buri gihe, aho terefone zigendanwa zabaye ibikoresho byingirakamaro mubuzima bwa buri munsi, gukenera ingufu zamashanyarazi byagerwaho cyane.Injira ubucuruzi bwamabanki asanganywe, igisubizo gishya kubibazo byimyaka myinshi yo guhangayikishwa na bateri.Mu myaka itanu ishize, inganda zagize iterambere ryinshi, zihindura uburyo abantu bakomeza kwishyurwa mu nzira.

Inkomoko nihindagurika

Imyaka itanu irashize, serivisi za banki zisanganywe ingufu zari zikiri mu ntangiriro, hamwe n’amasosiyete make yagerageje amazi ku masoko yatoranijwe.Nyamara, igitekerezo cyahise gikurura abantu mumijyi no kuzamuka kwikoranabuhanga rya terefone igendanwa byatanze ibidukikije byeze kuri serivisi nkizo.Ibigo nka PowerShare na Monster byagaragaye, biha abakoresha uburyo bwo kubona amabanki yingufu zigendanwa kurutoki.

 

Kwaguka no kugerwaho

Nkuko ibyifuzo byiyongereye, ubucuruzi bwamabanki asanganywe bwaguye aho bugera, bushiraho imiyoboro ya sitasiyo zishyuza ahantu h’ingenzi nko mu maduka, ku bibuga by’indege, muri kafe, hamwe n’ahantu ho gutwara abantu.Uku kwagura ingamba kwa demokarasi kugera kubutegetsi, byorohereza abantu gukomeza guhuzwa nta bwoba bwo kubura bateri.

 

Nk’uko ikigo cy’ubushakashatsi ku isoko kibitangaza, ingano y’isoko ku isi muri serivisi z’amabanki asanganywe yazamutse kuva kuri miliyoni 100 z'amadolari muri 2019 igera kuri miliyari 1.5 z'amadolari mu 2024, ibyo bikaba byerekana ko byiyongereyeho inshuro cumi n'eshanu mu myaka itanu gusa.

 

Iterambere ry'ikoranabuhanga

Kugira ngo abakiriya bagenda bahinduka, amasosiyete ya banki asanganywe ingufu yashora imari cyane mu guhanga udushya.Sitasiyo yo kwishyiriraho ubwenge ifite ibikoresho byateye imbere nkubushobozi bwo kwishyuza byihuse, uburyo bwo kwishyuza bidafite umugozi, hamwe no guhuza ibikoresho byinshi byabaye ibintu bisanzwe.Byongeye kandi, guhuza porogaramu zigendanwa byemereye abakoresha kumenya aho hafi yo kwishyuza, kubika amabanki y’amashanyarazi hakiri kare, no kugenzura uko bishyuza mu gihe gikwiye.

 

Ubufatanye n'Ubufatanye

Ubufatanye n’ubucuruzi n’amakomine byateje imbere iterambere rya serivisi z’amabanki asanganywe.Ubufatanye n’urunigi rw’ikawa, abadandaza, hamwe n’amasosiyete atwara abantu ntabwo bwaguye gusa imiyoboro yishyuza ahubwo byanongereye kugaragara no kugera kuri izi serivisi kubantu benshi.Byongeye kandi, imijyi yatangiye kwinjiza sitasiyo ya banki isanganywe ibikorwa remezo, ikamenya uruhare igira mugutezimbere kuramba no kuzamura uburambe mumijyi.

 

Guhindura imyitwarire y'abaguzi

Iyemezwa ryihuse rya serivisi zamabanki zisangiwe zirashimangira ihinduka ryibanze mumyitwarire y'abaguzi.Ntibikiri kunyurwa no guhambira ku rukuta cyangwa gutwara bateri nini zo hanze, abantu bemeye uburyo bworoshye kandi bworoshye butangwa na banki zisanganywe ingufu.Haba kugendana umunsi uhuze cyane w'inama, gutembera, cyangwa kwishimira gusa imyidagaduro, kubona imbaraga kubisabwa byabaye nkenerwa aho kuba ibintu byiza.

 

Urebye imbere, ejo hazaza h'ubucuruzi busanganywe ingufu za banki bigaragara ko butanga ikizere.Hamwe noguteganya guhanura kuzamura imikoreshereze ya terefone no gukwirakwiza ibikoresho bya IoT, ibyifuzo byokwishyurwa byoroshye biziyongera gusa.Byongeye kandi, iterambere mu ikoranabuhanga rya batiri, nko guteza imbere bateri ntoya, ikora neza hamwe n’ibisubizo birambye byo kwishyuza, biteguye kurushaho guteza imbere udushya muri uyu mwanya.

 

Mu gusoza, izamuka ry’ikirere ry’ubucuruzi bw’amabanki asanganywe ingufu mu myaka itanu ishize ni gihamya yimbaraga zo guhanga udushya no gushakisha ibisubizo bidasubirwaho ibibazo bya buri munsi.Mugihe ikoranabuhanga rikomeje guhindura uburyo tubaho, akazi, no guhuza, amabanki asanganywe amashanyarazi ahagarara nkurumuri rworohereza isi igenda igendanwa.

 

Ongera utekerezeni kimwe mu bya mbere mu bucuruzi bwa banki isanganywe ingufu, itsinda ryacu ryatangiye gukora kuri uyu mushinga muri 2017, kandi kuva icyo gihe twateje imbere ibicuruzwa byinshi ku bicuruzwa byinshi bizwi muri uru ruganda, nka Meituan, umunara w'Ubushinwa, Berizaryad, Piggycell, Naki, Chargedup, nibindi byinshi.Kugeza ubu twohereje ibice birenga 600.000 bya sitasiyo kwisi yose.Niba ushishikajwe nubucuruzi bwamabanki asangiwe, nyamuneka twandikire kubindi bisobanuro.