Hari ibihe byinshi usabwa koherereza amafaranga abandi bantu byaba ari ku bw’ingendo, ishuri, ibibazo byihutirwa mu muryango, cyangwa ubufasha mu muryango. Hari serivisi zo kohererezanya amafaranga zitandukanye zimaze igihe kirekire ziriho, zubashywe cyane zikoreshwa ku bw’iyi mpamvu. Icyakora, kimwe na serivisi nyinshi zemewe, abakora uburiganya bashobora kuzikoresha mu kuriganya abantu batabizi bakora ku buryo abo bantu bohereza amafaranga ku bicuruzwa na serivisi bitabaho.
Ibyago bishoboka
Nk’uko uza kubibona kuri uru rubuga, hari ibikorwa byinshi wakorera kuri internet, ariko utitonze, abakora uburiganya bashobora kubyinjiramo bakaguteza akaga. Ubu butekamutwe bushobora gukorwa mu gihe uri kugerageza kugura cyangwa kugurisha serivisi, cyangwa bushobora no kugendera ku marangamutima yawe y’ibanze nko kuba wifuza kubona amafaranga menshi, cyangwa ushaka umukunzi. Dufite paji zihariye kandi zifite amakuru arambuye ku buryo bwo kureba ukamenya kandi ukirinda ubutekamutwe, ariko hano hari bimwe mu bukunze kugaragara cyane abakora uburiganya bashobora gukoresha muri serivisi zo kohererezanya amafaranga bagerageza kwiba amafaranga y’abantu:
- Gutanga avanse/ ubutekamutwe bwo kwishyura mbere, iyo abakora uburiganya baje bavuga ko baturutse mu bigo bitanga inguzanyo bya baringa, bagakoresha dosiye zisa n’iz’ukuri, email n’imbuga kugira ngo bagaragare ko ari ab’ukuri bakaguca amafaranga mbere y’uko uhabwa inguzanyo, kandi nyuma ntuyibone.
- Ubutekamutwe mu izungura, iyo abakora uburiganya bagerageza kukoshya bagusezeranya imari cyangwa impano z’izungura ariko ukabaha amafaranga yo kubikora.
- Ubutekamutwe mu kugurira ahantu hatabaho, igihe wohererejwe sheke bakagusaba gukoresha amafaranga ariho mu rwego rwo kugenzura serivisi runaka yo kohererezanya amafaranga. Sheke ntiyemerwe kuri banki ugasabwa kwishyura ayo mafaranga banki.
- Ubutekamutwe mu kwishyura umurengera, aho umuguzi akoherereza, (wowe nk’umucuruzi) sheke isa n’iy’ukuri iriho amafaranga arenze ay’igiciro mwumvikanyeho, hariho n’ibisobanuro by’ayo yarengejeho agusaba kumwohereza ayo yarengejeho.
- Ubutekamutwe mu by’akazi, aho uhabwa akazi cyangwa uburyo bwo gukorera mu rugo mu buryo bumeze nk’inzozi. Wohererejwe sheke isa n’iy’ukuri kugira ngo ubashe kugura ibintu by’ibanze ukeneye ugasabwa kohereza asigaye, cyangwa ugasabwa kwishyura ako kanya amafaranga yo kubona akazi cyangwa sheke ya mbere y’uko ubona akazi.
- Ubutekamutwe muri tombora cyangwa ibihembo, aho uhamagarwa ukabwirwa ko ugomba kohereza amafaranga runaka kugira ngo yishyure ibintu bikeneye gutunganywa cyangwa imisoro kugira ngo wakire ibyo watsindiye cyangwa igihe wakiriye sheke cyangwa amafaranga utasabye bagusaba kuyabitsa, kandi ugahita wohereza igice cyayo ako kanya, kugira ngo yishyure ibikeneye kwishyurwa cyangwa imisoro.
- Ubutekamutwe mu gukodesha umutungo, aho ushukwa ngo wohereze amafaranga yo kwishyura ibintu bitandukanye n’ayo kuzigamiraumutungo ushaka gukodesha, cyangwa aho wowe nka nyiri umutungo wohererejwe sheke y’ikinyoma kugira ngo uyishyire kuri banki, igikorwa kikanga ugasabwa kohereza ayo washyize kuri konti wa ‘mupangayi’.
- Ubutekamutwe mu by’imodoka, aho ushukwa ukohereza amafaranga yo gutuma imodoka wifuza kugura ivanwa ku isoko cyangwa kugira ngo yishyure amafaranga yo gupakira cyangwa aho wowe nk’umucuruzi wohererezwa sheke y’ikinyoma kugira ngo uyijyanye kuri banki, mugasesa ibyo mwemeranyijweho ugasabwa kohereza ayo mafaranga washyize kuri banki ya wa muntu ‘wari ugiye kugura’.
- Ubutekamutwe ku byemezo by’uko wishyuye, aho usabwa n’uwo ushaka gukodeshaho cyangwa umucuruzi w’imodoka kohereza amafaranga ku muntu wo mu muryango we/inshuti nk’ikimenyetso cy’uko ufite ubushobozi buhagije bwo gukodesha umutungo cyangwa kugura imodoka. Bazagusaba kohereza kopi y’urupapuro wakoresheje woherezaho amafaranga nk’ikimenyetso, kandi bazajya kwifatira amafaranga ubwabo bakoresheje indangamuntu y’ikinyoma mu izina ry’uwo wanditse wayakiriye.
- Ubutamutwe mu kibazo cyihutirwa / sogokuru cyangwa nyogokuru, barwaye, basagariwe cyangwa bafunzwe barengana kandi ko bakeneye amafaranga byihutirwa, cyangwa bakiyitirira abuzukuru b’abasaza cyangwa abakecuru, bakeneye ubufasha bw’amafaranga.
- Ubutekamutwe muri cyamunara ibera kuri internet, igihe utsindiye ikintu kiri mu cyamunara bakakubwira ko nyiracyo yemera ubwishyu buciye kuri serivisi zo koherezaho amafaranga gusa ku izina bahimbye, rikoreshwa n’umucuruzi kugira ngo bacure umwirondoro ku buryo bajya gufata ayo mafaranga. Cyangwa se, ushobora no kudatsindira icyo kintu ariko umuntu akaguhamagara akakubwira ko afite ikijya kumera nka cyo kandi akagusaba kohereza amafaranga, ku gicuruzwa mu bigaragara kitabaho.
- Ubutekamutwe mu gushaka umukunzi, kurambagiza no kubaka umubano, igihe uri kubaka umubano n’umuntu mu by’ukuri ukora uburiganya akagushuka ukamwoherereza amafaranga yo gukemura ikibazo cyihutirwa cyangwa ngo agusure mubonane imbonankubone.
Gukoresha serivise zo kohereza amafaranga
- Ntukigere wohereza amafaranga yo kwishyura ‘imisoro’ cyangwa ‘ay’imikorere’ ku byo watsindiye muri tombora cyangwa ibihembo.
- Ntukigere ukoresha ikizamini cy’igerageza nk’uburyo bwo gukaza ingamba z’umutekano wo kurinda ibyo uri gukorera kuri konti.
- Ntukigere uha amakuru ajyanye na banki yawe abantu cyangwa ibigo utazi.
- Ntukigere wohereze amafaranga mbere y’uko ubona inguzanyo cyangwa ikarita yo kwishyura.
- Ntukigere wohereza amafaranga mbere ngo afashe ushobora kukubera umukoresha kwishyura ibyo ashaka kwishyura.
- Ntukigere wohereza amafaranga mbere yo kugira ngo akemure ikibazo cy’amafaranga agomba kwishyurwa mbere mu kugurisha cyangwa kugura imodoka
- Ntukigere wishyura amafaranga mbere ngo akemure ikibazo cy’amafaranga agomba kwishyurwa mbere mu gukodesha umutungo.
- Ntukigere wohereza amafaranga yo gukemura ikibazo cyihutirwa utabanje kugenzura ko icyo kibazo cyihutirwa ari cyo koko.
- Ntukigere wohereza amafaranga cyangwa sheke kuri konti yawe batarabanza kwemeza ko nta kibazo ifite, ibi bishobora gutwara igihe.
- Ntukigere wohereza amafaranga ku bicuruzwa waguriye kuri internet.
- Ntukigere ufungura imigereka, cyangwa link byaturutse kuri email utasabye zivuga ko ziturutse kuri serivise yo kohereza amafaranga.
Niba wahuye n’ubutekamutwe
Hamagara uhagarariye mu gihugu serivisi yo kohereza amafaranga. Niba wamaze kohereza ayo mafaranga ariko akaba ataragera k’uwo yagenewe, ushobora gusaba ko bahagarika kuyohereza.
Andi makuru
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