Guhindura Urwego rwa Banki mu Isi Igenda Yihuta

Urwego rw'imari n'ibigo by'imari rwahuye n'impinduka zihuta cyane, rwinjira mu buryo butunguranye mu isi nshya y'ikoranabuhanga. Ni nde wari kubitekereza ko icyorezo cya Covid-19 cyari gutuma buri kintu cyose mu buzima cyihuta kwakira ubumenyi n'serivisi by'ikoranabuhanga, ariko dore aho tugeze ubu; tumaze kugira ubwenge kandi turushaho kuba beza, kuko dukomeje guteza imbere ubumenyi bwacu kugira ngo banki yacu igere ku bakiriya bayo nk'umurongo w'ubuzima ubafasha kuguma hejuru mu bihe bihora bihinduka.

Serivisi z'Imari zikoresha Ikoranabuhanga

Iyo umuntu yari kukubwira ko mu 2022 twari kuba twarasimbuje ahanini amasalo y'ibiro bya banki n'imirongo y'abantu, tugakoresha ikoranabuhanga ryihuta kandi rikora neza, ntiwari kubyemera. Ntabwo ibintu byose bibi ari bibi kuri wowe. Ahubwo, ibibazo twahuye nabyo mu myaka itatu ishize byatwigishije kwihangana, guhuza n'ibihe no kwakira ikoranabuhanga riduriye.

Amafaranga akoreshwa kuri telefone, amakarita y'ikoranabuhanga, umukono w'amashanyarazi, ububiko bw'inyandiko z'ibanga kuri interineti, koherereza amafaranga ku buntu, no koroherwa; iyi ya nyuma ni impamo. Twahinduye uburyo dukora hakurikijwe ibihe bihinduka kugira ngo abakiriya bacu bagire koroherwa mu mirimo ya banki. Ntibikiri ngombwa ko umuntu agera kuri banki kugira ngo bakore inama, cyane cyane kubera ko hari urubuga rwinshi rutanga inama zo kuri interineti, guhamagarana mu buryo bw'amashusho, kuganira no guhamagarana mu buryo bw'amajwi menshi. Isi ni iyawe, ukeneye gusa kumenya urwego wifuza kugeraho kugira ngo uyibone.

Isi yiteguye guhinduka kuri iyi mpinduka?

Uburyo bushya bw'ubuzima ntibusa n'ubwo twari tumenyereye. Ibintu bitunguranye kandi biteye ubwoba nk'icyorezo cya Covid-19, ihungabana ry'amasoko y'imari ritunguranye, intambara hagati y'u Burusiya na Ukraine, ndetse no kutagira ituze mu bya politiki muri rusange, byatumye abakiriya basaba cyane serivisi z'ikoranabuhanga. Turi mu isi aho ushobora gukora ibyawe byose utavuye mu rugo rwawe, kandi urwego rw'imari rugomba kubigira byose byoroshye ijana ku ijana. Ese hari icyiza cyavuye mu bibi? Yego, iki gihe ni cyo.

Ikoranabuhanga, udushya n'ibitekerezo bishya byavutse, kandi hamwe nabyo umubare w'abakiriya bacu wariyongereye, mu gihe dukora amanywa n'ijoro kugira ngo bagire umutekano mu rubuga rwacu rw'ikoranabuhanga. Guhinduka ku banki zikoreshwa kuri telefone n'izikoresha ikoranabuhanga byabaye ingamba zemewe cyane kurusha izindi kuva banki za kijyambere zatangira, kandi hari byinshi byiza biri imbere. Aho uri hose ku isi, mu gihe cyo kwigunga, mu rugo, cyangwa mu rugendo rw'amaguru, igihe cyose ufite interineti na telefone, nta mbogamizi, ushobora kugera kuri serivisi zawe z'imari ku kanda kamwe gusa.

Mwibuka kwemeza ibikorwa by'imari hakoreshejwe kumenya isura n'ibyuma bisoma intoki? Banki ikoresha ikoranabuhanga iri hano burundu; icyo dukeneye gukora ni ubushakashatsi no guhanga udushya kugira ngo turinde abakiriya bacu mu gihe tunyura muri uru rugendo hamwe.

I&M n'Umupaka w'Ikoranabuhanga

I&M yatangije impinduka nini igana ku serivisi z'ikoranabuhanga, igamije koroshya ubuzima bw'abakiriya bacu. Ese hari icyiza kiruta urubuga rwawe rwite rwa banki kuri interineti, serivisi y'abakozi ba banki kuri interineti mu masaha 24, uburyo bwo kubona inguzanyo no kuzishyura kuri interineti, ndetse n'ikiruta byose, amakarita yacu meza kandi yizewe ya Global y'inguzanyo n'ay'ikarita yo kwishyura?

Kutamenya neza ibihe bigoye turimo bisaba umufatanyabikorwa w'indashyikirwa, kandi I&M yiyemeje kugendana nawe intambwe ku yindi binyuze mu guhanga udushya, ubushakashatsi n'iterambere, kugeza igihe twumvikana neza n'ibyo abakiriya bacu bose bakeneye.

Gushyira mu buryo bw'ikoranabuhanga serivisi z'ingenzi (I&M On The Go)

Gutanga serivisi z'ibigo by'imari kuri interineti, byihuse, bitanga amakuru nyayo kandi byoroshye, kwishyura byoroshye ukoresheje telefone, no kubona inguzanyo bituma abantu bagera kuri serivisi za banki aho bari hose. Ntitugikeneye kujya muri banki no kuzuza impapuro nyinshi kuko byose biri mu paki imwe, binyuze muri porogaramu ya telefone n'urubuga rwa I&M On The Go , aho ushobora gukora ibikorwa bya banki wicaye mu rugo rwawe.

Gutangiza ikarita nshya ya I&M ya Debit na Credit Mastercard

Icyorezo cya Covid, intambara n'ibiza bitunguranye byadutoje icy'ingenzi, ni akamaro k'ikarita nziza ya banki ikoreshwa ku isi hose kandi yoroshye kubona. Dufite serivisi z'abakiriya kuri interineti amasaha 24 ku isaha, dushobora kwemeza ishyurwa, kohereza amafaranga ndetse no gutanga amafaranga yihutirwa aho bikenewe. Byose uba ubifite mu biganza byawe aho uri hose. Sinanavuga inyungu zo gukoresha izi karita. Banki ya I&M itanga bimwe mu bya mbere byiza bya debit, prepaid na credit cards zemerwa cyane muri Kenya no hanze yayo.

Dutegura ibisubizo by'imari dushingiye ku byo abakiriya bacu bakeneye. Duhe icyizere muri uru rugendo rw'ikoranabuhanga tugenda dufatanya, kuko turi kuruhande rwawe.