Banki Nkuru y’u Rwanda (NBR) yatangaje ko ikomeje gushyigikira udushya mu ikoranabuhanga ry’imari, hagamijwe kubaka urwego rw’imari rwizewe, ruhuza abafatanyabikorwa batandukanye kandi rutuma serivisi z’imari zibera buri wese.
Ibi byagarutsweho na Bertrand Ndengeyingoma, Umuyobozi Mukuru ushinzwe Ikoranabuhanga n’Iterambere (ED, ICTD), mu kiganiro nyunguranabitekerezo cyibanze ku kongera ubushobozi bw’urwego rw’imari mu guhangana n’ibibazo by’umutekano muke wo mu ikoranabuhanga (Enhancing Cyber Resilience in the Financial Sector).
Muri iki kiganiro, Ndengeyingoma yagaragaje ko urwego rugenzura imikorere y’imari rufite uruhare rukomeye mu guteza imbere ikoranabuhanga rituma serivisi z’imari ziboneka ku bantu benshi, zihuzwa neza kandi zifite umutekano.
Yasobanuye ko iterambere ry’imari rishingiye ku ikoranabuhanga risaba ko udushya dushyigikirwa, ariko hakanashyirwaho ingamba zo kurinda ibikorwa by’imari ibyago bishobora guterwa n’ibitero byo kuri murandasi n’ibindi bibazo by’umutekano w’ikoranabuhanga.
Mu ngamba NBR ikoresha mu gushyigikira iri terambere harimo uburyo bwo kugeragereza udushya mu ikoranabuhanga mu igenzurwa ry’urwego rubishinzwe (regulatory sandbox). Ubu buryo bufasha abashaka kuzana udushya mu rwego rw’imari kugerageza ibisubizo bishya mu buryo bugenzurwa, harebwa uko bikora n’uko byubahiriza ibisabwa n’amategeko n’amabwiriza.
Yagarutse kandi kuri eKash, igaragazwa nk’imwe mu gahunda zifasha guteza imbere uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga. Iyi gahunda iri mu ngamba zigamije kunoza imikoranire hagati y’abatanga serivisi z’imari no korohereza abantu gukoresha uburyo bwo kwishyurana mu buryo bw’ikoranabuhanga.
Izi gahunda zigaragaza ko gushyigikira udushya mu rwego rw’imari bidakwiye gutandukanywa no gushimangira umutekano w’ikoranabuhanga, kugira ngo serivisi zitangwa zirusheho kwizerwa kandi zifashe mu iterambere ry’ubukungu.
Umutekano w’ikoranabuhanga ni ingenzi cyane mu rwego rw’imari, kuko ibibazo birimo ibitero byo kuri murandasi, ubujura bw’amakuru n’ihungabana ry’imikorere ya sisitemu bishobora kugira ingaruka ku bakoresha serivisi z’imari no ku mikorere y’ibigo bizitanga.
Binyuze mu gushyigikira udushya no gushimangira umutekano w’ikoranabuhanga, NBR igamije kugira uruhare mu kubaka ubukungu bw’ikoranabuhanga bushobora guhangana n’ibibazo, butanga serivisi z’imari zizewe kandi zigera ku bantu benshi.
Ibi bigaragaza ko iterambere ry’urwego rw’imari rishingiye ku ikoranabuhanga risaba ubufatanye bw’inzego zigenzura imari, ibigo by’imari n’abandi bafatanyabikorwa, kugira ngo udushya dushyirwe mu bikorwa mu buryo butabangamira umutekano n’icyizere abakiliya bafitiye serivisi z’imari.
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