Mu Rwanda naho, ikoranabuhanga rimaze gutera imbere ndetse Abanyarwanda bamaze gusobanukirwa ubwiza bwo kurikoresha mu buzima bwabo bwa buri munsi kugeza no muri serivisi zijyanye na banki.

Nubwo ariko ikoranabuhanga rimaze gukataza, ubujura bukorerwa kuri murandasi nabwo bugenda bwiyongera ndetse u Rwanda narwo ruri mu bihugu bigerwaho n’ibitero by’ikoranabuhanga ariko rukagerageza guhangana na byo.

Imibare y’Urwego rw’Igihugu rw’Ubugenzacyaha, RIB, yo mu 2018, yerekanye ko ibigo by’imari byibwe agera kuri miliyoni 289,5 Frw mu bitero by’ikoranabuhanga 22 byabayeho.

Banki Nkuru y’Igihugu, BNR, yatangaje ko muri aya mafaranga ayagarujwe akuwe mu maboko y’abo bajura agera kuri miliyoni 208 Frw.

Raporo ya RIB yo mu 2020 igaragaza ko ibitero by’ikoranabuhanga byakajije umurindi hagati ya Mutarama na Werurwe 2020. Mu birego uru rwego rwagenje, rwasanze miliyoni 25,9 zaribwe muri dosiye 39.

Muri iki gihe, hizihizwa Ukwezi kwahariwe Umutekano mu by’Ikoranabuhanga gufite insanganyamatsiko igira iti “Tekana kuri Internet”, Cogebanque Plc iributsa abakiliya ba yo ko bakwiye kwitwararika mu gihe bakoresha ikoranabuhanga muri serivisi z'imari.

– Kwirinda gutanga amakuru y’ibanga

Buri muntu wese agirwa inama yo kudatanga ijambo cyangwa umubare we w’ibanga awusangiza bagenzi be mu kwirinda ko ayo makuru yatuma yinjirirwa akibwa amafaranga ari kuri konti ye.

– Kudakoresha murandasi rusange

Mu gihe ugiye gukoresha serivisi zawe za banki kuri murandasi ni ingenzi kumenya ko mu gihe ukoresheje murandasi rusange, ifunguye ku bantu benshi, ushobora kwinjirirwa n’abayikoresha bakaba bamenya amakuru yawe yatuma bagera muri konti yawe byoroshye.

– Kwirinda gusangiza abandi imibare itatu iri inyuma ku ikarita

Abakoresha amakarita mu guhaha kandi bagirwa inama yo kudatanga imibare itatu iri inyuma ku ikarita yabo, izwi nka “CVV” ndetse n’igihe izarangirira, kuko ishobora gutuma umujura mu by’ikoranabuhanga ayiheraho akaba yakwiba.

– Guhahira ku mbuga zizewe

Abahahira kuri murandasi basabwa gushishoza kuko mu gihe bakoze ikosa rito bishobora gutuma bisanga ku mbuga zitizewe ugashiduka watanze amakuru yatuma winjirirwa.

Ni ingenzi kubanza kureba ko urubuga ugiye guhahiraho rufite umutekano, ureba ko urw rubuga rutangizwa na “HTTPS” kandi ukareba ko byanditse neza.

Umuyobozi ushinzwe Umutekano ku bijyanye n’Ikoranabuhanga muri Cogebanque, Ingabire Redempta, yabwiye IGIHE ko nka banki bigisha abakiliya kwitwararika mu gihe cyo gukoresha serivisi z’ikoranabuhanga.

Ati “Abakiliya bacu duhora tubabwira kuba maso mu gihe bagiye gukoresha serivisi z'ikoranabuhanga za banki cyangwa bari guhaha kuri murandasi. Ni ingenzi kureba ko imbuga bagiye guhahiraho zizwi kandi zizewe ku buryo zidashobora kubateza ikibazo bakaba bakinjirirwa mu makuru yabo.’’

Yakomeje avuga ko bashishikariza abakiliya gutanga amakuru igihe bakeka ko binjiriwe cyangwa babona imbuga bakoresha zibateye impungenge kugira ngo bafashwe kwirinda kwibwa mu rwego rw’ubukangurambaga bwo kwirinda ubwo bujura bwifashisha ikoranabuhanga.

Inama zitangwa n'abakoresha serivisi z'ikoranabuhanga za Cogebanque kuri murandasi

Benjamin Munyemana umaze imyaka itanu akoresha serivisi z’ikoranabuhanga za Cogebanque yavuze ko hari ibyo ahora yitwararika.

Yasobanuye ko iyo akoresheje uburyo bw‘ikoranabuhanga, akora ibishoboka byose kugira ngo abike izina rye n’ijambo ry'ibanga mu mutekano, asohoka muri konti igihe cyose arangije kuyikoresha kandi akirinda gukanda ku butumwa bugaragara mu gihe ari gukoresha internet.

Yakomeje agira ati "Iyo nkoresha ikarita nishyura kuri internet, ngomba kumenya niba urubuga ngiye kugura rwemewe. Nakoze ubushakashatsi ku bijyanye no kureba niba hari abandi bantu babikoresheje basoma ibitekerezo byabo. Nirinze kandi kubika nimero y'amakarita kuri mudasobwa kugira ngo nyakoreshe ubutaha. ”

Munyemana yahamagariye abantu gutekereza kabiri mbere yo kugira icyo bakora kuri internet kugira ngo birinde gutakaza amafaranga yabo, kuko azi ko ibitero bya interineti ari byinshi muri iki gihe.

Kuva Cogebanque yakwemererwa na Banki Nkuru y’u Rwanda gukorera mu gihugu mu 1999, imaze kugira amashami 28 hirya no hino ayifasha kugeza serivisi ku bayigana. Ifite ATM 36, aba-agents barenga 600 bayifasha gutanga serivisi zo gufunguza konti, kubitsa no kubikuza zirimo n’izifashisha ikoranabuhanga binyuze muri Murandasi Banking, Mobile Banking (*505# cyangwa Coge mBank), SchoolGEAR, ikarita Smart cash, ikarita ya SafariBus ndetse n’amakarita ya MasterCard (Debit, Credit na Prepaid) afasha abayakoresha kwishyura no kubikuza ahantu harenga miliyoni 36 ku Isi yose.