Gukoresha Banki

Gukorana na banki wifashishije internet ni byiza ariko ugomba kurinda ijambo-banga ryawe n’andi makuru agufasha kwinjira muri sisiteme mu rwego rwo kwirinda ko hari ibisambo byakwinjira muri konti zawe.

Ibyago

• Ushobora kuyobywa na email z’abajura, cyangwa guhamagarwa kuri telefoni usabwa  gutanga amakuru ajyanye n’ijambo-banga wifashisha n’andi makuru y’ibanga.
• Kwibwa umwirondoro bikozwe na virusi cyangwa irindi koranabuhanga ryifashishwa mu kwiba amakuru y’abantu, bigaha ibisambo ubushobozi bwo kwinjira kuri konti yawe ya baki ndetse n’ubwo kubona andi makuru yawe bwite abitse muri mudasobwa yawe.
• Virusi iri muri mudasobwa yawe yohereza amakuru kuri banki ukorana nayo atandukanye n’ayo washakaga kohereza – urugero nk’uwo washakaga kwishyura. Virusi kandi ishobora kwinjizamo ahantu hahimbano nk’ahagusaba ‘ kwinjizamo ijambo ryawe ry’ibanga ryuzuye’ ku zindi mbuga zemewe, bakivanga mu mikorere ya mushakishi yawe. Ibi ni byo bajya bita igitero cya “Man in the browser” (umugabo wo muri browser).

Gukorana na banki mu mutekano

• Nta na rimwe ukwiriye gutanga ijambo-banga cyangwa andi makuru y’ibanga yawe mu gihe ubisabwe  muri email, kuri telefoni cyangwa mu ibaruwa bivugwa ko  biturutse muri banki  cyangwa ikindi kigo k’imari. Nta na rimwe banki izakoherereza email cyangwa ngo iguhamagare igusaba amakuru nk’ayo. Itumanaho ryose rikozwe na banki rikoresha amazina yawe bwite (ntabwo ari ‘Bwana’ cyangwa ‘Madamu’) ndetse n’ubundi buryo bw’igenzura nka aderesi yawe y’iposita cyangwa igice cya konti yawe. Niba utizeye ko email wakiriye ari nyayo, vugana na banki yawe ukoresheje ubundi buryo.
• Buri gihe jya ugenzura ko urimo gukoresha umurongo wa internet  utekanye mu gihe ushaka gukorana na banki yawe. Ntuzigere ukoresha murandasi rusange izwi nka wi-Fi – uko yaba imeze neza kose – kuko ishobora kuba idafite umutekano kandi ikoranabuhanga rya murandasi yawe rishobora kwinjirirwa.
• Reba ko aderesi itangizwa na ‘https’ unarebe ko hariho akamenyetso k’ingufuri kuri porogaramu urimo gukoresha.
• Buri gihe jya usura urubuga rwa banki ubanje kwandika aderesi yarwo muri browser  yawe cyangwa unyuze mu rutonde rwa aderesi wabitse mbere (bookmark)  ukoresheje aderesi nyayo. Niba ukeka hari amakuru yawe yaba ari mu byago mu buryo bumwe cyangwa ubundi, ihutire kuvugana na banki buri gihe.
• Koresha ijambo ry’ibanga n’umubare w’ibanga bikomeye.
• Genzura neza ko mudasobwa yawe ifite antivirusi, porogaramu irwanya spyware ndetse na firewall byose bivuguruye kandi bikora mbere y’uko winjira muri konti yawe ya banki.
• Koresha ijambo-banga na PIN bitandukanye kuri buri rubuga.
• Nta wundi muntu ugomba kumenya ijambo ry’ibanga n’umubare w’ibanga byawe cyangwa ngo ubyandike ahantu kugira ngo uzabyibuke.
• Genzura buri gihe ibyakozwe kuri konti yawe, kandi mu gihe ubonye igikorwa kidasanzwe, uhite ubivuga.
• Hagarika gukoresha uburyo bw’impapuro kandi wiyandikishe ku buryo bw’ikoranabuhanga butuma ubona ubutumwa kuri telefoni yawe bukumenyesha ikintu cyose gikozwe kuri konti yawe.  Amakuru atanzwe ku mpapuro biroroha kuyiba no kuyasoma.
• Shaka windows updates ziheruka.
• Itonde mu gihe urimo gukoresha mudasobwa rusange ugihe ushaka kwinjira muri banki ukorana nayo.
• Witondere abashobora kukurungurukira muri screen ngo barebe ibyo urimo.

Uburyo bwo kwemeza amakuru bwa “Two – cyangwa multi – factor authentification” ​​​​​​​

Banki nyinshi zikoresha ubu buryo mu rwego rwo kubona ikimenyetso  gifatika cy’uwo uri we kurenza gusa gukoresha ijambo-banga. Ubu buryo bwibanda kukubaza  ‘ikintu uzi’ (cyane cyane izina ukoresha n’ijambo-banga ) ndetse n’’ikintu ufite’ gishobora kuba ikarita yawe ya banki n’akuma kayisoma, cyangwa se ikindi gikoresho kiri ukwacyo  nk’icyo bita HSBC’s SecureKey. Kode itangwa ni wowe wenyine iba igenewe, kandi ugahabwa itandukanye buri gihe uko winjiye.

Byitezwe ko banki zindi nyinshi n’ibindi bigo bitanga serivisi z’imari bizazamura urwego rwabyo rw’ubwirinzi mu ikoreshwa rya  telefoni n’izindi  porogaramu zifashishwa mu gukorana na  banki, hakoreshwa kugenzura uburyo bugera kuri butanu bwo kwemeza amakuru bushobora kuzaba burimo ubushingiye kuri serivisi zigaragaza aho umuntu aherereye zigaragaza niba telefoni irimo gukoreshwa iri ahantu hamwe na nyirikonti ndetse n’uburyo buhambaye bwo kumenya umuntu hifashishijwe ijwi rye.

Raporo​​​​​​​

Amabanki amwe n’amwe atanga irindi koranabuhanga rifite umutekano ryagenewe kukurinda igihe urimo gukorana na banki ukoresheje internet. Porogaramu ya Rapport, nk’uko izwi, ni porogaramu ushyira mu gikoresho cyawe cy’ikoranabuhanga  ku buntu ivuye kuri banki kandi ikarinda ibikorwa byose ukorera kuri konti yawe ikaza yiyongera kuri porogaramu ishinzwe umutekano wa internet  usanzwe ukoresha.

Andi makuru​​​​​​​

Banki zose ziba zifite amakuru amakuru ajyanye n’umutekano wo mu gihe ukoresha  internet ku mbuga zayo, harimo n’amakuru ajyanye n’uburiganya  buzwi.

Wasura kandi:​​​​​​​

AntiPhishing.org  Ikigo Mpuzamahanga gishinzwe kurwanya ubujura bukoresha ikoranabuhanga.