Twinjiye mu minsi mikuru isoza umwaka, kandi ibyo bisobanuye gusohora amafaranga tugura impano ndetse n’imyiteguro myinshi y’ibirori by’iminsi mikuru. Kubera rero imbuga nyinshi z’ikoranabuhanga zatwegereye, nta muntu ugikeneye kwikorera umuba w’amafaranga ngo awujyane guhaha.
Iterambere rihoraho ry’ikoranabuhanga ryatumye ubuzima burushaho koroha binyuze mu gutuma tubasha guhaha no kwishyura twifashishije ikoranabuhanga. Iri terambere kandi ryatumye habaho amaduka atagira ingano akorera ku ikoranabuhanga, aho tubasha guhaha ibyo dushaka, tutiriwe tuva mu ngo zacu, tukabikorera kuri mudasobwa cyangwa telefoni. Ubu kandi tubasha kwishyura byoroshye binyuze mu kohereza amafaranga twifashishije banki mu buryo bw’ikoranabuhanga cyangwa se telefoni nka Mobile Money ya MTN ndetse na Airtel Money.
N’ubwo guhererekanya amafaranga hifashishijwe ikoranabuhanga byumvikana nk’ibiryoshye bityo, dukwiriye kuba maso kuko dushobora kwibasirwa n’ibyaha bikorerwa ku ikoranabuhanga, harimo nk’uburiganya, dore ko ari nabwo bumaze kumenyerwa cyane. No mu gihe ugiye guhaha ubwawe maze ukaba wakwishyura wifashishije ikarita yawe ya banki, ukwiriye gukora ibishoboka ukaba uyireba iteka ryose, ntugatume umucuruzi ahindukira ngo agutere umugongo cyangwa ngo ajye kure yawe agutwariye ikarita. Ni ingenzi cyane kandi kugenzura ko umubare w’ayo usabwa kwishyura ari yo bakwishyuje mbere y’uko wemeza ko ava kuri konti yawe.
Dukwiriye kandi kwitondera abadukikije igihe dukura amafaranga ku byuma byabugenewe bizwi nka ATM, cyangwa se igihe twishyura twifashishije telefoni. Ntabwo wakwizera abagukikije bose kuko uba utazi abo ari bo, ni yo mpamvu imibare-banga yacu igomba guhora iteka ihishwe amaso y’abashobora kukurunguruka igihe uri kuyishyira muri telefoni ngo wishyure.
Ikindi kandi, reka dukomeze twishyure twifashishije ikoranabuhanga ariko tuzirikana kubikorera ku mbuga zizewe kandi zemewe, kuko zitegekwa kubahiriza no kugendera ku mategeko, no gukora gusa ibyo zamamaza ko zikora. Mu gihe dukorewe uburiganya cyangwa tukibwa imibare-banga yacu, dufite imbuga dukwiriye guhita tumenyesha, kandi tugahita duhagarikisha ihererekanya cyangwa ubwishyu ubwo ari bwo bwose bushobora gukorwa nyuma.
Kurwanya ibyaha bikorerwa ku ikoranabuhanga birakomeje, kandi uko dukomeza kugira imyitwarire itekanye kuri murandasi, tukanafasha abandi duturanye cyangwa bo mu miryango yacu, ubwo tuzaba twirinze kandi buri wese arinze mugenzi we. Ngaho nimuze turyoherwe n’iminsi mikuru isoza umwaka, dukomeza kuzirikana ibyavuzwe hejuru.
Ku bindi bisobanuro, sura www.getsafeonline.org.rw
Tekana urasobanutse, kandi uryoherwe n’iminsi mikuru.
By:
Maurice Haesen Kajangwe – Senior Technologist, Privacy & Data Protection, Minisiteri y’Ikoranabuhanga na Inovasiyo
Sarah Sawrey-Cookson – Umuyobozi ushinzwe itumanaho, Get Safe Online