Gute wakora ibikorwa bitandukanye kuri konti yawe ya banki wifashishije telefone igendanwa?

Uko iterambere mu ikoranabuhanga rigenda rifata indi ntera mu bihugu bitandukanye ku isi, by’umwihariko mu Rwanda, ni ko ubuzima bw’abakoresha iryo koranabuhanga burushaho koroha. Kuri ubu mu bihugu biteye imbere ku isi, hagezweho uburyo bwo gukorera ibikorwa bitandukanye kuri konti ibitswaho amafaranga muri banki hifashishijwe telefone igendanwa, uburyo bita SMS Banking.

SMS Banking ni uburyo bubashisha umuntu gusaba akanakira amakuru ajyanye na konti ye yo muri banki yifashishije telefone ye igendanwa, ibyo bigakorwa hoherezwa ubutumwa bugufi (SMS) kuri nimero runaka (bitewe na banki).

Ubu buryo bwa SMS Banking bushobora gukoreshwa n’abantu ku giti cyabo ndetse n’amakompanyi mu gihe bibaye ngombwa kumenya amafaranga ari kuri konti yabo, biranashoboka gusaba agatabo ko kubikuza (cheque/check), kohereza amafaranga, kwishyura fagitire zitandukanye, ndetse n’ibikorwa bitandukanye hakoreshejwe telefone igendanwa.

Tugendeye ku mikoreshereze ya SMS Banking muri Banki ya Kigali, hari uburyo bubiri bukoreshwa muri iri koranabuhanga; ubwa mbere bwitwa ‘Push’, ubundi bukitwa ‘Pull’.

Push SMS ni uburyo nyiri konti yohererezwa ubutumwa amenyeshwa ibikorwa bitandukanye biba bimaze gukorerwa kuri konti ye. Urugero nk’igihe habikujwe cyangwa habikijwe amafaranga kuri konti ye, abona ubutumwa bubimumenyesha, mu gihe Pull SMS yo ari ubutumwa yohereza, ako kanya agahita abona igisubizo.

Urugero rwa Pull SMS ni nk’igihe nyiri konti ashaka kumenya amafaranga ayiriho, yohereza ubutumwa bugufi, ako kamwanya agahita yacyira ubundi bumutumwa bumumenyesha icyo ashaka kumenya.

Banki zitandukanye mu Rwanda zikomeje kugenda zitabira kubashisha abakiliya bazo gukoresha ubu buryo. Muri izi tukaba twavuga banki ya Kigali ndetse na Banki y’Ubucuruzi y’u Rwanda (BCR).