Ijambobanga, rimaze imyaka ibarirwa muri za mirongo rifatwa nk'imbogamizi ikomeye ku burinzi mu ikoranabuhanga, ryabaye kimwe mu bintu by'agaciro gakomeye ku byaha by'ikoranabuhanga. Mu 2025 gusa, impapuro z'agaciro hafi miliyari 2.9 zarahungabanyijwe, nk'uko ubushakashatsi bwakozwe n'ikigo cy'ubutasi cya KELA bubivuga, bushimangira impinduka mu miterere y'ibitero: aho gukoresha intege nke za tekiniki, abanyabyaha bashyize imbere kwiba imyirondoro ya tekiniki kugira ngo babone sisitemu, porogaramu, na konti z'ibigo.
Nk’uko impuguke zibivuga, ukwiyongera kw’ubu bwoko bw’ibitero bigaragaza ko umutekano ushingiye ku magambo y’ibanga gusa utarahagije mu gihe habayeho ubuhanga mu bugizi bwa nabi bwo kuri interineti. André Toledo, Umuyobozi Mukuru wa Sec4U, yagize ati: “Ibi bigaragaza ko amagambo y’ibanga ubu ari umutungo ucuruzwa mu nganda. Muri iki gihe hari uruhererekane rw’ubukungu rw’umwihariko rwo kwiba, gucuruza no kongera gukoresha impapuro z’ibanga mu bwoko butandukanye bw’ibitero.”.
Iterambere ry'iri soko rihurirana n'ishyirwa mu bikorwa ry'ubunyamwuga ry'imiryango y'abagizi ba nabi. Ibigereranyo bigaragaza ko ibyaha by'ikoranabuhanga bimaze kwinjiza hafi tiriyari 10.5 z'amadolari y'Amerika buri mwaka ku isi, biruta amasoko gakondo atemewe. Mu 2026, ibitero bizaba byarushijeho kwaguka, bitewe n'ikoreshwa ry'ubwenge bw'ubukorano, butuma ibikorwa byo gushakisha amakuru y'ubujura bihinduka ikoranabuhanga, guhindura uburiganya, no kwiyongera gukomeye kw'ibikorwa. Muri iki gihe, urushinge rw'ubujura ruri muri 42% by'abahungabanya umutekano, mu gihe ubujura bw'umwirondoro binyuze mu byangombwa byangiritse bukomeje kuba inzira nyamukuru yo kwinjira mu bwihisho.
Nk’uko Toledo abivuga, iyi ngingo igaragaza ko impaka ubu zishingiye ku kugabanya kwishingikiriza kuri zo. Yagize ati: “Mu myaka myinshi, ingamba zari ugusaba amagambo y’ibanga maremare kandi agoye no guhinduka kenshi. Ariko ikibazo nticyari ubwiza bw’ijambo ry’ibanga gusa, ahubwo cyari ukubaho nk’ibanga rusange. Igihe cyose ijambo ry’ibanga rihari, hari n’amahirwe yo kwibwa, kongera gukoreshwa, cyangwa gufatwa binyuze mu buhanga mu mibanire y’abantu.”.
Nk’uko bivugwa n’umuyobozi mukuru, iri hinduka ryihutisha ikoreshwa rya moderi zo kwemeza amakuru adafite ijambo ry’ibanga, hashingiwe ku ndangamuntu y’ikoranabuhanga, ibikoresho byizewe, na cryptography, nka passkey. Yagize ati: “Passkey zikuraho neza ikintu abagizi ba nabi bashaka. Nta jambo ry’ibanga ribikwa kuri seriveri cyangwa kode rishobora kwandikwa ku rubuga rw’impimbano. Authentication ikoresha imfunguzo za cryptographic zihujwe n’igikoresho kandi zikingiwe na biometrics cyangwa izindi nzira zo mu gace, bigatuma ibitero bya phishing n’amakuru y’ibanga bidakora neza cyane.”
Uretse kunoza umutekano, iyi mpinduka inagabanya ikiguzi cy’imikorere y’ibigo. Amagambo y’ibanga yibagiranye, gusubiramo uburenganzira bwo kwinjira, no gusaba ubufasha bushingiye ku kwemeza amakuru biracyari bimwe mu bisabwa cyane n’amashami y’ikoranabuhanga, mu gihe inzira zigoye zo kwinjira zitera ibikorwa biteje akaga nko kongera gukoresha no gusangira ibyangombwa.
Nk’uko Umuyobozi Mukuru wa Sec4U abivuga, ikigenderewe ni uko amagambo y’ibanga areka kuba ingenzi mu ngamba z’indangamuntu mu ikoranabuhanga. “Mu myaka iri imbere, ikibazo ntikizongera kuba uburyo bwo gukora amagambo y’ibanga akomeye, ahubwo kizaba ari uburyo bwo kuyakuraho muri iki kigereranyo. Indangamuntu izagenda yemezwa cyane hifashishijwe uburyo bwo gusohora amakuru, ikoranabuhanga, n’ibintu bifitanye isano. Ibi bigabanya ibyago ku bigo, bikabangamira ibikorwa by’ubugizi bwa nabi, kandi bikoroshya ubunararibonye bw’umukoresha. Ahazaza h’umutekano hatangira igihe amagambo y’ibanga atazaba ingenzi mu kwemeza.”
Akomeza asobanura ko kureka ijambo ry'ibanga bisaba ibirenze gukoresha igikoresho gishya; bisaba impinduka mu buryo amasosiyete abona abakozi n'abakiriya. Toledo asoza agira ati: "Mu gihe ibitero byikora bikoresha AI bigerageza umutekano w'ikigo buri munsi, gusimbuza uburyo busanzwe bwo kwinjira biba icyemezo gifatika cyo gufunga aho abagizi ba nabi bo kuri interineti binjirira no kwirinda ibintu bihenze.".
