Umunsi w’Ababyeyi ni umwe mu matariki y’ingenzi cyane mu bucuruzi bwa Brezili. Kubera ko miliyari nyinshi z’ama-reais zimurirwa mu maduka, ubucuruzi bwa elegitoroniki, amasoko n’imbuga nkoranyambaga, iki gihe ni amahirwe atari ku bacuruzi gusa ahubwo no ku bagizi ba nabi b’inzobere mu buriganya bwo kuri interineti, barushaho gukaza ibikorwa byabo bifashishije ubwiyongere bw’abaguzi n’imyitwarire y’abaguzi bahubutse.
Mu myaka ya vuba aha, uburiganya bwo kuri interineti bwahindutse bucece. Aho kwishingikiriza gusa ku mbuga za interineti z'impimbano cyangwa ubutumwa rusange, abanyabyaha batangiye gukora nk'ibigo byuzuye, bakoresha ikoranabuhanga, ubwenge bw'ubukorano, n'amakuru menshi kugira ngo bakore ibitero byihariye. Ingaruka ni uko uburiganya bushobora kwigana neza umwirondoro w'ibigo bikomeye, bugahindura poromosiyo y'uwahohotewe, kandi bukagabanya cyane ibimenyetso byagaragazaga uburiganya mbere.
“Itandukaniro riri mu buriganya buriho ubu ntabwo riri mu ikoranabuhanga gusa, ahubwo riri no mu gushyira ibyaha mu bikorwa by’ikoranabuhanga mu buryo bw’umwuga. Muri iki gihe, abatekamutwe bagerageza uburyo butandukanye, bagasesengura ibipimo by’intsinzi, kandi bagakoresha ubwenge bw’ubukorano kugira ngo bazamure ibitero ku buryo budasanzwe. Mu masegonda make, gutanga igiciro gisa n’icyemewe bishobora gutuma amakuru y’imari ahungabana. Ikibazo gikomeye ni ukumenya ibimenyetso by’ibyago mu gihe ibikorwa bigikomeje, mbere y’uko igihombo kigaragara,” ibi ni ibyavuzwe na Rafael Garcia, umujyanama mu by’iterambere ry’abafatanyabikorwa muri FICO.
Nk’uko iyo mpuguke ibivuga, ibyago biriyongera ku matariki y’ingenzi kuko imyitwarire yo kugura ihinduka. Kubera gutinya kubura poromosiyo cyangwa kutabona impano ku gihe, abaguzi bafata ibyemezo byihuse kandi bakirengagiza ibimenyetso bishobora kugaragaza ko bagerageje uburiganya.
Kugira ngo ibirori bitazarangirana n'igihombo cy'amafaranga, FICO yakusanyije inama umunani zo gutuma kugura ibintu mu buryo butekanye.
Inama 8 za FICO zo kwizihiza Umunsi w'Ababyeyi utagira uburiganya
1. Witondere kugabanyirizwa ibiciro biri munsi cyane y’agaciro k’isoko.
Za poromosiyo zifite ibiciro biri munsi cyane y’ibiciro by’isoko zikunze gukoreshwa nk’umutego wo gukurura abahohotewe. Mbere yo kurangiza kugura, banza ushake igiciro cy’ibicuruzwa mu maduka atandukanye kandi ugire amakenga ku bicuruzwa bisezeranya inyungu zirenze kure ikigereranyo.
2. Reba niba iduka ryizewe.
Mbere yo gutanga amakuru bwite cyangwa ay’ubwishyu, banza ushake izina ry’ikigo, urebe ibitekerezo by’abandi bakiriya, kandi urebe neza ko aderesi y’urubuga ari iy’ukuri. Impinduka nto ku rubuga cyangwa amakosa y’imyandikire zishobora kugaragaza ko hari urupapuro rwahinduwe.
3. Irinde gukanda ku bicuruzwa bitangwa binyuze ku ma link yakirwa mu butumwa.
Abatekamutwe bakoresha WhatsApp, SMS, emails, n'imbuga nkoranyambaga kugira ngo bayobore abaguzi ku mbuga za interineti z'impimbano. Igihe cyose bishoboka, andika aderesi y'iduka muri porogaramu yawe.
4. Hitamo amakarita ya virtual.
Amakarita ya virtual agabanya cyane ingaruka zishobora guterwa no kwangiza amakuru, kuko akoresha nimero z'amakarita z'agateganyo cyangwa zidasanzwe mu kugura kuri interineti.
5. Witondere cyane poromosiyo zishyurwa hifashishijwe Pix.
Amasoko asaba kwishyurwa ako kanya binyuze kuri Pix kugira ngo umenye neza ko ugabanyirizwa ibiciro ashobora guhisha uburiganya. Mbere yo kohereza amafaranga iyo ari yo yose, menya neza ko uwahawe ari uw'ikigo koko.
6. Irinde kugura ibintu kuri interineti rusange ya Wi-Fi.
Imiyoboro ifunguye ishobora koroshya uburyo bwo gufata amakuru y'imari. Igihe cyose bishoboka, koresha umurongo wa telefoni igendanwa cyangwa utegereze kugeza igihe ugeze mu rugo kugira ngo ugure kuri interineti yawe bwite ya Wi-Fi cyangwa kuri interineti yizewe wizeye.
7. Koresha uburyo bwo kwemeza amakuru mu buryo bubiri.
Kongeraho ubundi buryo bwo kurinda porogaramu zawe za banki na imeri bituma bigora abagizi ba nabi kugera kuri konti zawe ndetse no nyuma yo kubona ijambo ry'ibanga ryawe.
8. Hitamo ibigo by'imari bikoresha ubwenge bw'ubukorano mu gukumira uburiganya.
Ibisubizo bishingiye ku buhanga bwa siyansi (AI) bishobora kugaragaza imyitwarire iteye amakenga mu gihe nyacyo no guhagarika ibikorwa bitajyanye n'umwirondoro w'umukiriya mbere yuko habaho igihombo.
Ikoranabuhanga nk'umufatanyabikorwa mu gukumira
Nubwo abaguzi bahitamo impano, urubuga rwo gukumira uburiganya rukora ibikorwa bya za miliyari icyarimwe, rusesengura amagana y’ibintu mu masegonda make. Uretse kugenzura agaciro k’ibyo baguze gusa, ibi bisubizo bisuzuma imiterere y’ibyo baguze, harimo igikoresho cyakoreshejwe, amateka y’umukiriya, aho aherereye, izina ry’ikigo, n’ibindi bimenyetso bitandukanye by’ibyago.
Garcia asobanura agira ati: “Ejo hazaza ho gukumira uburiganya ntabwo hashingiye ku kongera intambwe ku muguzi, ahubwo hashingiye ku gutuma umutekano utagaragara cyane. Uko ikoranabuhanga rigenda rirushaho kuba ryiza, ni ko umukiriya adashobora gukenera guhagarika uburambe bwe bwo guhaha kugira ngo yirinde. Ubwenge bw’ubukorano butuma dushobora kumenya ingaruka mu gihe nyacyo no gukumira ibikorwa bikekwa mbere yuko uburiganya bubaho.”.
Uko uburiganya bugenda burushaho kuba bugezweho, guhuza abaguzi bari maso n'ikoranabuhanga rigezweho ryo gukumira bikomeza kuba ingamba nziza cyane zo kurinda abantu ku giti cyabo n'ibigo by'imari. N'ubundi kandi, ku munsi w'ababyeyi, kwibuka itariki bigomba kuba impano, ntabwo ari uburiganya.
