Mu gice cya mbere cya 2024, habaye uburiganya buri masegonda 3 mu gihugu, bugera kuri miliyoni 5.3 muri icyo gihe, bukumirwa binyuze mu buryo bw’uburinzi bwakoreshejwe mu gihe cyo kwemeza umutekano. Amakuru aturuka ku gipimo cy’uburiganya cya Serasa Experian, ikigo cya mbere kandi kinini cy’ikoranabuhanga muri Brezili. Muri Kamena honyine, umubare wari 860.966, urenze 4.6% ugereranije n’ibyanditswe muri icyo gihe kimwe cya 2023. Reba, mu mbonerahamwe iri hepfo, amakuru y’amezi 12 ashize n’impinduka z’igihembwe cyakusanyijwe.
Reba imbonerahamwe zikurikira kugira ngo umenye amakuru yo mu mezi 12 ashize n'impinduka z'umubare w'amezi atandatu yose yakusanyijwe:
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| Inkomoko: Serasa Experian |
Urebye ubwoko bw'uburiganya, 60.4% by'uburiganya bwageragejwe muri iki gihembwe byagaragaye bitewe n'ibinyuranyo mu makuru yo kwiyandikisha; 33.2% bitewe n'imiterere y'uburiganya ijyanye n'ukuri kw'inyandiko no kwemeza biometric; na 6.4% bitewe n'imyitwarire iteye amakenga y'ibikoresho, nk'uko byahoze bifitanye isano n'uburiganya.
Nk’uko Caio Rocha, Umuyobozi ushinzwe kugenzura no gukumira uburiganya muri Serasa Experian abivuga, gukomeza intambwe imwe imbere y’uburiganya ni ingenzi mu kubirwanya, bigamije kwemeza ko inzego zishobora kwikingira neza ndetse no kurinda abakiriya bazo. “Icyizere cy’abaguzi kirushaho kwiyongera iyo bazi ko amakuru yabo afite umutekano. Raporo yacu y’indangamuntu n’uburiganya mu buryo bw’ikoranabuhanga yamaze kugaragaza ko abaguzi barushaho kumenya neza ibidukikije by’ikoranabuhanga kandi bashyira imbere umutekano, bigaragaza icyizere gikomeye ku bigo bibyemeza.”.
"Amabanki n'amakarita" ni yo yari afite uburiganya bwinshi bwagaragaye mu gice cya mbere cy'umwaka (54%), mu gihe "Telephony" yari ifite uburiganya bwo hasi cyane (4.7%). Ku bijyanye n'imyaka, abaturage bari hagati y'imyaka 36 na 50 ni bo benshi bagerageje uburiganya muri Kamena (35.5%). Reba isesengura ry'urwego n'itsinda ry'imyaka hepfo:
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| Inkomoko: Serasa Experian |
Abatekamutwe bakomeje kwibanda mu turere tw’Amajyepfo n’Amajyepfo y’Uburasirazuba
Mu gice cya mbere cy'uyu mwaka, leta za Amapá, Acre, na Roraima ni zo zari zifite ubwitabire buke cyane mu mubare w'abagerageje uburiganya, mu gihe Minas Gerais, Rio de Janeiro, na São Paulo ari zo zari zifite ijanisha ryinshi. Reba hepfo imbonerahamwe zigaragaza ubwitabire ngarukamwaka n'impinduka mu mezi cumi n'abiri ashize
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| Inkomoko: Serasa Experian |
Igerageza kuri miliyoni y'abaturage
Iki kimenyetso cyagaragaje kandi ko, ku mpuzandengo, hari imanza 4.110 zagerageje uburiganya kuri miliyoni y'abaturage muri Brezili. Mu rutonde hakurikijwe leta, Akarere ka Leta (DF) kari imbere, gakurikirwa na Mato Grosso (MT), Santa Catarina (SC), São Paulo (SP), Paraná (PR), na Mato Grosso do Sul (MS). Reba urutonde rwuzuye hamwe n'imibare iri hepfo:
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| Inkomoko: Serasa Experian |
Irinde uburiganya: reba inama zitangwa n'impuguke za Serasa Experian zo kwirinda
Abaguzi:
• Menya neza ko inyandiko zawe, telefoni igendanwa, n'amakarita yawe birinzwe kandi bifite ijambo ry'ibanga rikomeye ryo kwinjira muri porogaramu;
• Witondere ibicuruzwa na serivisi bitangwa, nko mu ngendo, ibiciro biri munsi cyane y’agaciro k’isoko. Muri ibi bihe, abagizi ba nabi bakoresha ikoranabuhanga bakunze gukoresha amazina y’amaduka azwi cyane kugira ngo bagerageze kwinjira muri mudasobwa yawe. Bakoresha amabaruwa, ubutumwa bugufi, n’imbuga mpimbano kugira ngo bagerageze gukusanya amakuru nk’amakuru ajyanye n’ikarita y’inguzanyo, amagambo y’ibanga, n’amakuru bwite y’umuguzi
• Witondere amasano n'amadosiye ahuriweho mu matsinda y'imbuga nkoranyambaga. Ashobora kuba mabi kandi agatuma amapaji adafite umutekano yanduza ibikoresho amabwiriza yo gukora nta wubasha kubimenya;
• Kwandikisha imfunguzo zawe za Pix ukoresheje inzira zemewe za banki, nka porogaramu yawe ya banki, banki yo kuri interineti, cyangwa amashami ya banki;
• Ntugatange amagambo y'ibanga cyangwa kode zo kwinjira hanze y'urubuga rwa interineti cyangwa porogaramu ya banki;
• Ntugahe inshuti cyangwa abavandimwe ubutumwa butabanje kwemeza kuri telefoni cyangwa imbonankubone ko ari we muntu koko, kuko amakuru y'uwo muntu ashobora kuba yarahinduwe cyangwa yahinduwe ibinyoma;
• Shyiramo amakuru yawe bwite n'amakuru y'ikarita yawe gusa niba uzi neza ko aha hantu hari umutekano;
• Genzura buri gihe CPF yawe (umusora wo muri Brezili) kugira ngo urebe neza ko utigeze uba uwakorewe uburiganya.
Amasosiyete:
Shyira imari mu ikoranabuhanga ryo gukumira uburiganya kugira ngo urinde ubusugire n'umutekano w'ibikorwa by'ikigo cyawe.
Mu bucuruzi burimo kwiyongera mu buryo bw'ikoranabuhanga no mu buryo buhujwe, aho uburiganya bugenda butera imbere kandi bugakwirakwira vuba, gukumira uburiganya mu byiciro bitandukanye si igikorwa cyiza gusa, ahubwo ni ngombwa cyane
• Kugenzura ireme n'ukuri kw'amakuru aturuka mu bisubizo byo gukumira uburiganya hakoreshejwe ibisubizo bihora bitera imbere mu guhangana n'impinduka n'ibibazo by'uburiganya;
• Sobanukirwa neza umwirondoro wawe w'abakoresha kandi ukomeze gushaka kugabanya ibibazo mu rugendo rwabo rw'ikoranabuhanga, ugire uburambe bwiza nta guhungabanya umutekano.
• Koresha uburyo bwo gukumira uburiganya nk'ingamba zo kwinjiza amafaranga binyuze mu gushyira mu bikorwa uburyo bw'ubwenge bwo gukusanya ibisubizo bigamije umutekano, kugabanya igihombo, no gutuma umukiriya abona uburyo bwo guhaha bwihuse kandi bwizewe
Uburyo bwo gukora
Ikimenyetso cy’igerageza ry’uburiganya ku baguzi ba Serasa Experian ni umusaruro w’amakuru abiri aturuka muri database za Serasa Experian: 1) umubare wose w’ibibazo bya CPF (umusoreshwa wo muri Brezili) bikorwa buri kwezi muri Serasa Experian; 2) igereranya ry’ibyago by’uburiganya, byabonetse binyuze mu gukoresha uburyo bwo gutahura uburiganya bwakozwe na Serasa Experian, bushingiye ku makuru yo muri Brezili n’ikoranabuhanga rya Experian ku isi yose ryamaze guhuzwa mu bindi bihugu. Ikimenyetso cy’igerageza ry’uburiganya ku baguzi ba Serasa Experian kibarwa hakubarwa umubare w’ibibazo bya CPF (ikintu cya 1) n’amahirwe y’uburiganya (ikintu cya 2), hamwe n’umubare w’igerageza ry’uburiganya ryanditswe n’ikigo rijyanye no kugenzura inyandiko, isuzuma ry’isura, no kugenzura kwiyandikisha.
