Ubuhinga bw’ibanki ngendanwa buriko buriyongera cane muri ino misi. Ico gikorwa gitangwa n’ibisata vyo kudandaza amahera cane cane ama banki.
None ibanki ngendanwa n’iki vy’ukuri? Ni irihe fatiro ry’ubwo buhinga rizanira akunguko ababukoresha ? inyishu kuri ivyo bibazo?
Mu makuru yacu y’imbere, twari twavuze ico twise amahera ngendanwa mobile money be n’uburusho bwayo. Uno musi tuvuga ubuhinga bw’ibanki ngendanwa n’itandukaniro riri hagati y’ubwo buhinga bw’amahera ngendanwa.
Ibanki ngendanwa n’iki?
Ibanki ngendanwa ni umurwi w’umurwi w’ubuhinga bufasha gukora ibikorwa vyo muri banki ukoresheje imashini nyabwonko canke ubwoko butandukanye bwa terefone ngendanwa zigezweho. Ubwo buhinga bwisunga ikoreshwa ry’ivyuma ngendanwa biheza bigakora ibikorwa i banki yari gukora.
Ibanki ngendanwa n’igikoresho ca none gikora hakoreshejwe intunganyo y’ibanki. Ni ubuhinga butuma n’umukiriya wa banki ari kure aguma aronka ubufasha bwayo aho ari hose n’igihe cose.
Abanywanyi bakoresheje iyo ntunganyo ya banki barunguka umwanya kuko umushahara wabo canke amahera basanganywe mu bubiko bwa banki ashobora kubashikira aciye ku muhora wabo wa terefone.
Ibikorwa vy’iyo banki ngendanwa.
Ivyo bikorwa dushobora kubishira mu mirwi ikurikira :
Kumenya amakuru ajanye n’ububiko bwawe muri banki.
Ivyo bituma umunywanyi wa banki amenya amahera afise mu bubiko bwiwe, ayavuyeko, akamenya ibikorwa vyagiye birakorerwa kuri ubwo bushinguro bwiwe, amahera yajeko, ingurane yafashe n’ibindi.
Ibikorwa
Umunywanyi wa banki arashobora kurungika amahera mu bundi bushinguro buri muri iyo banki canke mu yindi, canke akarungika amahera ku bushinguro bwiwe, canke akariha abantu canke akagura ibintu akeneye akoresheje bwa buhinga bwa banki ngendanwa.
Ubufasha
Ico gisata c’ubufasha gituma umunywanyi asuzuma ingurane yafashe canke yasavye, agakwirikirana ikarata yasavye akongera akamenya n’ahari vya vyuma bitanga amahera.
Ubudasa hagati y’ubuhinga bwa banki ngendanwa n’ubuhinga bw’amahera ngendanwa.
Kenshi ubwo buhinga buritiranywa nkako buhuriye kuri vyinshi ariko buratandukanye.
Ubuhinga bw’amahera ngendanwa ni umurwi w’ibikorwa bifatiye kuri ya mahera yo ku buhinga ngurukana bumenyi bukongera bugakoresha terefone ngendanwa nk’igikoresho nyamukuru c’umunywanyi. Ni ubuhinga bushasha bwahawe abanywanyi n’abajejwe imihora y’ama terefone ngendanwa canke ibindi bisata bikorana bidasanzwe biri mu gisata ca banki. Uwukoresha ubwo buhinga si ngombwa ngo agire ubushinguro muri banki, igisabwa ubwa mbere ni ukuba afise terefone ngendanwa. Mu kibanza ca birya bikoresho tuzi nk’agatabo ko gutorerako amahera, ikarata ya banki hakoreshwa amahera yo ku buhinga ngurukana bumenyi be na terefone ngendanwa kugira abanywanyi bahanahane amahera n’ibindi.
Ubuhinga bwa banki ngendanwa ni ubuhinga butuma umunywanyi ashikira banki aciye kuri terefone yiwe ngendanwa. Ico gisata caciye gikoreshwa ku bikorwa vyose bishoboka, bikorwa n’ama banki. Ubwo buhinga bw’i banki ngendanwa bukoresha intunganyo y’i banki muri terefone ngendanwa canke imashini nyabwonko, kugira ushikire canke ukore ibikorwa bijanye na banki nko gutora amahera, kubaza ayariko, kurungikira amahera umuntu n’ibindi.
Nimba terefone ngendanwa ari igikoresho kigushikana muri banki, bisigura ko ishobora kugufasha gukora ibikorwa bitari bike vyo muri banki nko guhemba, kurungikira amahera abantu, gusaba agatabo ko guhembwa canke ikarata ya banki. Uwukoresha ubwo buhinga arasabwa kuba afise ubushinguro muri banki. Banki ngendanwa ni nkiyagurwa ry’ibisata vya banki.
Ni igisata ca banki gitangwa kandi gikwirikiranwa na banki nyene bigatuma abakoresha ico gisata bagikoreshereza aho bari hose, bagakora igikorwa bashatse bakoresheje terefone ngendanwa n’umuhora ngurukana bumenyi.
Banki ngendanwa ikora Gute?
Ama banki menshi arafise ibisata canke intunganyo umuntu ashobora gushira muri terefone ngendanwa bikadutuma dushobora gushika mu bushinguro bwacu dufise muri banki mu mwanya muto.
Terefone ngendanwa yanyu ni nk’ikiraro gituma ushika mu bubiko bwawe bwa banki. Bisigura ko uba warusanganywe ububiko muri banki hanyuma ugakoresha ubwo buhinga bushasha bwa banki ngendanwa. Murashobora kuraba amahera yavuye mu bushinguro bwanyu, gukora ibikorwa nshingiro nko kurungika amahera, kuriha ivyo waguze, gusuzuma amahera uko yagiye arasohoka, kuraba ayariko ukamenya ko ayo bakurungikiye yashitse mu bushinguro bwawe, gusaba ingurane, gusaba agatabo ko guhemberwako n’ibindi.
N’aho mudashobora gukora igikorwa nyezina, murashobora gutanga agapapuro ko guhemberwako ukoresheje terefone yawe mu gufotora.
N’ubwo tuziko ama banki afise amasaha yo kwugurura no kwugara, mukoresheje ubwo buhinga hoho murashobora kuja mu bushinguro bwanyu mufise muri banki amasaha 24 kuri 24, imisi 7 ku 7.
Kubera mushobora kutaronka i mashini nyabwonko umwanya wose, ni vyiza ko mushobora kuronka amahera yanyu mukoresheje terefone yanyu ngendanwa igezweho.
Vyahinduwe mu kirundi na E.N
