Mu kiganiro cyatambutse kuri NBR Podcast, Bertrand Ndengeyingoma, yasobanuye uko ikoranabuhanga rihindura imikorere y’iyo banki umunsi ku wundi.

Ati “Duhora tureba kandi tugerageza ikoranabuhanga rishya kugira ngo dufashe banki kugera ku nshingano zayo mu buryo bwihuse, butanga serivisi nziza kandi ku gihe. Noneho kubera ko iyi ari Banki Nkuru y’u Rwanda, kandi imiterere y’akazi dukora hano, turitonda cyane kugira ngo habeho politiki n’amategeko asobanutse kuri iryo koranabuhanga rishya mbere y’uko tubishyira mu bikorwa.”

“Ubu turimo kureba, tuganira ku bijyanye na AI, dufite ibiganiro bitandukanye n’abafatanyabikorwa batandukanye muri banki kugira ngo tumenye uburyo twakoresha AI mu kunoza imirimo yabo byihuse kandi neza, kandi AI irabikora.”

Ndengeyingoma yavuze ko muri iki gihe, ibitero byinshi by’ikoranabuhanga bitagisaba guca muri sisitemu z’imari ahubwo usanga biri kwibasira abantu ku giti cyabo, hakoreshejwe ubutumwa cyangwa imiyoboro ifite intego yo kwiba amakuru.

Ati “Ibitero byinshi muri iki gihe tubona ni ibitero byo kwiba amakuru, ubujura bwo kuri internet, uburiganya bugamije kwibasira abantu aho kwibasira sisitemu.”

“Rero inama yanjye, ujye witondera ubutumwa cyangwa imiyoboro isa n’idasanzwe. Iyo uri kwishyura kuri internet, menya neza ko uri gukoresha urubuga rwemewe rwa banki. Menya ko ibikoresho byawe byavuguruwe. Rero intambwe zoroshye nk’izo zizagufasha kurinda amakuru yawe no kurinda n’amakuru ya banki.”

Yavuze ko abantu bakwiye kumva ko kurinda umutekano w’ibitero by’ikoranabuhanga ari inshingano za buri wese.

Ati “Ku bijyanye n’abantu n’umuco no kumenyekanisha, ni ngombwa cyane kumva ko umutekano w’ikoranabuhanga ari inshingano ya buri wese. Rero duhora dukorana n’abakozi ba banki binyuze mu mahugurwa, ibiganiro n’imyitozo ngiro ibafasha kumenya no gutahura ibishobora kuba ibyago.”

Yagaragaje ko nk’uko umuntu agira uburyo bwo kurinda umutekano we iwe mu rugo, akamenya ko igihe agiye ashyiraho uburyo bushobora gutabaza habaye ikibazo cyangwa hari abagerageje kwinjira iwe, iyo agiye atabikoze cyangwa agasiga adafunze umuryango usanga ikibazo kiza kuba ariko yakigizemo uruhare.

Ati “Kugira ngo tubyoroshye, mu gihe tugira ibyo biganiro, dukoresha ingero zoroheje, reka tuvuge ku bijyanye n’umutekano wawe bwite, si byo? Urugero, urebye ku mutekano w’urugo rwawe, ushobora kugira ikoranabuhanga ryose ryo kurinda urugo, alarm n’ibindi.”

“Ariko niba usohotse utashyizemo za alarm cyangwa utafunze umuryango, uba wahaye urubuga abashobora kwinjirira umutekano wawe. Ni uko bimeze hano na byo, rero kubimenya bizafasha gukomeza kwirinda mu bijyanye n’umutekano mu by’ikoranabuhanga.”

Mu bindi yagarutseho, Ndengeyingoma yasobanuye ko mu myaka ibiri ishize Banki Nkuru y’u Rwanda yatangije urugendo rw’impinduka mu ikoranabuhanga rugamije kuvugurura uburyo ikora, kongera ireme rya serivisi no guteza imbere imikorere ishingiye ku makuru (data-driven decisions).

Yavuze ko kimwe mu bikorwa by’ingenzi biri gukorwa ubu ari ivugururwa ry’imiterere y’ikoranabuhanga (IT architecture) kugira ngo banki ibone umusingi ukomeye wo kwakira udushya nka AI n’irindi koranabuhanga rigezweho.

Ati “Uburyo ikoranabuhanga ryacu riteye ubu ntabwo ari uburyo bukomeye cyane, Rero kimwe mu bikorwa by’ingenzi dufite ni ugutegura uburyo bukomeye bw’imitere y’ikoranabuhanga ryacu, uburyo amakuru abitswe, n’uburyo porogaramu zikoreshwa. Ni ikintu cy’ibanze kandi gikomeye tugomba gushyiraho mbere yo gutangira kuvuga ku ikoranabuhanga rishya nk’AI n’ibindi.”

Ndengeyingoma yavuze ko Banki Nkuru y’u Rwanda ikomeje kureba uburyo AI ishobora kunoza imirimo imwe n’imwe, yibutsa ko ikoreshwa ry’iri koranabuhanga rigomba guca mu nzira zemewe n’amategeko, hagashyirwaho politiki n’amabwiriza asobanutse.

Ku bijyanye n’ahazaza, Ndengeyingoma yavuze ko ikoranabuhanga atari igikoresho gusa, ahubwo ari imbaraga zishyira mu bikorwa icyerekezo.

Ndengeyingoma yavuze ku bitero by’ikoranabuhanga n’icyerekezo cya BNR mu kwimaza ikoranabuhanga

Umuyobozi w'Ikoranabuhanga no guhanga udushya muri Banki Nkuru y'u Rwanda (BNR), Ndengeyingoma Bertrand, yavuze ko BNR iri gutekereza ku ikoreshwa rya AI mu rwego rw'imari