Byatangajwe tariki ya 15 Gicurasi 2026, ubwo uyu muryango ku bufatanye na sosiyete itanga serivisi zo guhererekanya amafaranga, VISA, byamurikaga ubushakashatsi ku makuru bwite n’umutekano ku bigo by’imari bito n’ibiciriritse bikoresha ikoranabuhanga, biyoborwa n’abagore.

Ni ubushakashatsi bwakoreye muri Kenya; igihugu cyateye imbere mu bijyanye n’ikoranabuhanga ryifashishwa muri serivisi z’imari.

Ubu bushakashatsi bwagaragaje ko 11% by’Abanya-Kenya ari bo basobanukiwe neza icyo amakuru yabo y’ikoranabuhanga akoreshwa mu gihe abandi bagera kuri 85% bagaragaza impugenge z’uko amakuru yabo ari ku ikoranabuhanga agerwaho mu buryo bworoshye nta burenganzira bwatanzwe.

Ubu bushakashatsi bwagaragaje ko abagore benshi bakora ubucuruzi buto n’ubuciriritse mu bijyanye na serivisi zitangwa hifashishijwe ikoranabuhanga, baba biteze ko rigomba kuba rifite umutekano, risobanutse ndetse binoroshye kurikoresha.

Gusa abenshi muri abo bagore bagaragaje ko batinya gukoresha izi serivisi kubera kutazisobanukirwa neza ndetse bigatuma bakoresha izitangwa hifashishijwe ikoranabuhanga rike, ibituma babura amahirwe yo guteza imbere ubucuruzi bwabo.

Impamvu ubu bushakashatsi bwibanze ku bucuruzi buto n’ubuciriritse (SMBS) ni ukubera ko ari inkingi ikomeye mu iterambere ry’ubukungu mu bihugu bifite ubukungu bugikura (LMICS) cyangwa bikiri mu nzira y’amajyambere usanga byiganjemo ibyo muri Afurika birimo u Rwanda.

Umuyobozi ushinzwe ibijyanye n’imari muri GSMA, Panos Loukos, yavuze ko bakoze ubu bushakashatsi bagamije kureba uko abagore bakora ubucuruzi buto n’ubuciritse bakoresha serivisi zitangwa hifashishijwe ikoranabuhanga ndetse no kureba imbogamizi bakunze guhura nazo kugira ngo zibe zagabanywa.

Yagaragaje ko imwe mu mbogamizi basanze abagore bakora ubucuruzi buto n’ubucuriritse bahura nazo harimo kuba bimwe mu bice by’icyaro usanga abagore nta telefone yabo bwite bagira, bayihuriyeho n’abandi banyamuryango, ibituma amakuru yabo bwite atagira umutekano uhagije.

Ati “Urebye bimwe mu bibazo bikunze kugariza abagore bakora ubucuruzi buto n’ubuciriritse harimo ko nta telefone yabo ubwabo baba bafite kubera ko usanga bayihuriyeho n’abandi banyamuryango kandi ibyo rwose bituma ibyo akora bitagenda neza. Iyo umugore asangira telefone n’umugabo we, umuvandimwe cyangwa umwana we bituma babona amakuru y’ibanga y’ubucuruzi bwe nta burenganzira.”

Yakomeje avuga ko ko nubwo hari ababasha kugira telefone zabo bwite, usanga baba bafite ikibazo cy’uko baba bafite ubumenyi buke mu bijyanye n’ikoranabuhanga.

Ati “Nubwo hari abagore baba bafite telefone zabo, usanga bakigorwa cyane no kurinda amakuru yabo neza kubera ko baba bafite ubumenyi buke ku bijyanye no gukoresha ibikoresho by’ikoranabuhanga ugereranyije n’uko abagabo biba bimeze.”

Umuyobozi Mukuru wa VISA mu Rwanda, Tanzania, Uganda n’u Burundi, Victor Makere, yavuze ko hashyizweho uburyo bwo gushyigikira abagore mu kwiteza imbere mu bucuruzi bwabo no kubasobanurira akamaro k’ikoranabuhanga mu by’imari.

Ati: “Twatangije gahunda twise ‘She’s Next’ ni we ukurikira, aho twigisha abagore ikoranabuhanga, tukabakurikirana twifashishije bagenzi babo bafite ibikorwa nk’ibyo hanyuma tukabashoramo imari tubaha amafaranga.”

GSMA na VISA yamuritse ubushakashatsi ku buryo abagore bari mu bucuruzi bakoresha ikoranabuhanga

Victor Makere yavuze ko hashyizweho uburyo bwo gushyigikira abagore mu kwiteza imbere mu bucuruzi bwabo no kubasobanurira akamaro k’ikoranabuhanga

Michael Berner uyobora VISA muri Afurika y'amajyepfo n'iy'iburasirazuba, yavuze ko kugira icyizere ari inkingi y’ubukungu bushingiye ku ikoranabuhanga