Gushora imari mu makuru byabaye ingamba y'ingenzi mu iterambere ry'ubucuruzi bwo kuri interineti na porogaramu za fintech. Binyuze mu isesengura ryimbitse ry'imyitwarire y'abakoresha, ibigo bishobora gushyiramo ababigana mu byiciro neza, bigahindura imikoranire no kunoza ubunararibonye bw'abakiriya. Ibi ntibyemewe gusa kugura abakoresha bashya, ahubwo binatuma umubare w'abakoresha basanzwe ugumana kandi waguka.
Dukurikije ubushakashatsi bwakozwe na Juniper Research, "Top 10 Fintech & Payments Trends 2024," bugaragaza ko amasosiyete akoresha isesengura rigezweho abona iterambere rikomeye mu mikorere. Guhindura imiterere y’amakuru binyuze mu mibare bishobora gutuma amasosiyete ashyira mu bikorwa ubukangurambaga bugamije inyungu yiyongeraho 5%. Byongeye kandi, hakoreshejwe isesengura ry’iteganyagihe, porogaramu zishobora kunoza amafaranga akoreshwa mu kwamamaza, kugabanya ikiguzi no kongera ubushobozi bwo kugura abakiriya
Mariana Leite, Umuyobozi w’Ishami rishinzwe Amakuru na BI muri Appreach, asobanura ingaruka z’ubu buryo: “Gukoresha amakuru biduha ishusho yuzuye y’umukoresha, bigatuma habaho impinduka mu buryo bufatika kugira ngo anonosore uburambe kandi yongere ibyishimo. Ibi bituma habaho ubukangurambaga bwiza kandi porogaramu ihinduka bitewe n’ibyo umukoresha akeneye.” Byongeye kandi, gukusanya no gusesengura amakuru mu buryo bufatika bituma habaho guhita hamenyekana amahirwe n’ibibazo, bigatuma ibigo bikomeza kuba imbere y’abahanganye.
Guhindura no kubika amakuru hakurikijwe amakuru
Guhindura imiterere y'amakuru ni kimwe mu byiza bikomeye bitangwa no gukoresha amakuru. Mu gusesengura imyitwarire y'abakoresha, porogaramu zishobora kumenya uburyo bwo kureba, kugura, no gukoresha amakuru, zigahindura ibyo zitanga hakurikijwe umwirondoro wa buri mukiriya. Ubu buryo bwihariye bwongera akamaro k'ibikorwa byo kwamamaza, bigatuma habaho kwiyongera kw'abakoresha amakuru no kuba indahemuka.
Gukoresha ibikoresho byihariye nka Appsflyer na Adjust ni ingenzi mu gukurikirana ibikorwa byo kwamamaza, mu gihe urubuga nka Sensor Tower rutanga ubumenyi ku isoko bufasha kugereranya imikorere n'abanywanyi. Mu guhuza aya makuru n'amakuru y'imbere, birashoboka gufata ibyemezo bifatika kugira ngo wongere iterambere.
Mariana agaragaza ingaruka z'iyi ngamba: “Dufite amakuru mu ntoki, dushobora gutanga inama ikwiye ku mukiriya ukwiye mu gihe gikwiye. Ibi byongera urwego rw'ubwitabire kandi bigatuma ubunararibonye bw'umukoresha budasanzwe, bikongera cyane amahirwe yo kugumana amakuru.” Mu gukurikirana no gusobanura amakuru y'abaturage, imyitwarire, n'amakuru mpuzamahanga, amasosiyete ashobora gutegura ubukangurambaga bwihariye butuma abakoresha bakomeza gukora kandi bashishikajwe.
Kwiga imashini n'ikoranabuhanga rya AI byihutisha iterambere
Kwiga imashini (ML) n'ubwenge bw'ubukorano (AI) byagize uruhare runini mu ngamba zo gukura za porogaramu za fintech na e-commerce. Izi koranabuhanga zituma habaho guhanura imyitwarire, ikoranabuhanga ryo kwamamaza, ndetse no gutahura uburiganya mu gihe nyacyo, bikongera imikorere myiza n'umutekano mu bikorwa.
Mariana agira ati: “Ibikoresho byo kwigira imashini bidufasha kumenya ibikorwa by’abakoresha, nko gutereranwa cyangwa kwishyira mu mwanya wo kugura. Ibi, dushobora gukora mbere yuko abakiriya bareka kwitabira, gutanga poromosiyo cyangwa inama zihariye.” Byongeye kandi, AI ikora mu buryo bwikora inzira zo kwamamaza, igahindura ibikorwa by’ubukangurambaga vuba kandi neza, bigabanya ikiguzi kandi bigatuma inyungu ku ishoramari irushaho kwiyongera.
Umutekano n'ubuzima bwite: imbogamizi mu ikoreshwa ry'amakuru
Nubwo hari ibyiza, ikoreshwa ry'amakuru muri porogaramu za fintech na e-commerce rizana n'imbogamizi zijyanye n'ubuzima bwite n'umutekano. Kubera ko izi mbuga zigenzura amakuru y'ibanga, ni ngombwa kugenzura ko amakuru arinzwe kugira ngo adasohoka kandi ko amasosiyete yubahiriza amabwiriza nka LGPD na GDPR, asaba amabwiriza akaze ku ikoreshwa n'ububiko bw'amakuru.
Mariana ashimangira akamaro ko kubahiriza amategeko: “Ikibazo si ukurinda amakuru gusa, ahubwo no kwemeza ko abakoresha basobanukiwe uburyo amakuru yabo akoreshwa. Gukorera mu mucyo ni ikintu cy'ingenzi mu kubaka icyizere.” Gucunga neza uburenganzira no gukoresha uburyo buhamye bwo kurinda amakuru ni ingenzi mu kurinda amakuru no gukomeza gukura kwa porogaramu.
Kuringaniza amakuru n'udushya
Nubwo isesengura ry'amakuru ari ingenzi mu iterambere rya porogaramu, ni ngombwa kuringaniza icyerekezo cy'imibare n'ubumenyi bw'imiterere. Gukoresha amakuru cyane rimwe na rimwe bishobora kubangamira udushya n'ubuhanga. Byongeye kandi, gusobanura nabi amakuru bishobora gutuma umuntu afata ibyemezo bidahuye n'ukuri kw'isoko.
Mariana arasoza agira ati: “Ni ngombwa guhuza isesengura ry’amakuru no gusobanukirwa byimbitse ibyo umukoresha akeneye. Ibi bidufasha gufata ibyemezo bihamye kandi bishya.” Gushora imari mu makuru bigomba kujyana no kugenzura imyitwarire y’abaguzi, kugenzura ko ingamba zihora zihuzwa n’impinduka n’ibibera ku isoko.
