Ubushakashatsi buherutse gukorwa na Gartner bwagaragaje itandukaniro rikomeye mu byitezwe ku bijyanye no gukoresha ubuhanga bw’ubukorano, cyane cyane muri chatbots, mu mibanire n’abakiriya. Nubwo 60% by’abayobozi ba serivisi ku bakiriya bashyizwe mu gitutu cyo gukoresha ikoranabuhanga muri uru rwego, 64% by’abakiriya bavuze ko bakwifuza ko amasosiyete atabikora. Ubu bushakashatsi bugaragaza ko hari uburyo bwo kugaruka, nibura igice, kuri serivisi zigenewe abantu, nk’uko biri gukorwa muri Edan Financial Group, ikigo cy’ikoranabuhanga cyatangaje ko kizamuka ku kigero cya 168.7% mu nyungu rusange mu myaka ibiri ishize ndetse no guhuza serivisi zacyo n’amasosiyete mato, aciriritse n’amanini.
Umuyobozi Mukuru wa Edan, Eduardo Silva, asobanura ko gukomeza igitekerezo cy’uko umukiriya ari we mushoramari mukuru wa fintech bigira ingaruka nziza. Yagize ati: “Kuva yashingwa mu myaka ine ishize, twakomeje kugira ubuhanga, ubuhanga mu ikoranabuhanga, no kwigira abantu nk’inkingi za EDAN. Mu bitekerezo byacu, ikoranabuhanga rifasha kwihutisha gutanga serivisi mu mutekano no mu buryo bwiza, ariko twahisemo uburyo bwa kimuntu mu gushyigikira abakiriya bacu kuko dushaka guhindura igisubizo uko bishoboka kose hakurikijwe ibyo buri wese akeneye, tukubahiriza umwihariko we. N’ubundi kandi, iyo sosiyete ifashe icyemezo cyo gushyira amafaranga yayo muri twe, ni kimwe no gushora imari mu bucuruzi bwacu, mu cyubahiro cyacu, no mu kirango cyacu.”.
Umuyobozi mukuru kandi avuga ko kwibanda kuri serivisi zishingiye ku bushobozi bw’abantu byatanze umusaruro ukomeye mu kindi gipimo cy’ingenzi: ubwiyongere bw’abaguzi. Nk’uko abivuga, igipimo cy’ubwiyongere bw’abakiriya ba fintech mu myaka ine ishize cyagumye munsi ya 1% kugeza mu gice cya mbere cya 2024, mu gihe impuzandengo y’isoko ari 15%.
Ibi bihuye n'ibyavuye mu bushakashatsi bwa Fintech Deep Dive Survey, bwakozwe n'ishyirahamwe ry'abakoresha ikoranabuhanga rya Brezili (ABFintechs) na PwC Brazil. Ubushakashatsi bwerekana ko gutanga uburambe butandukanye ku bakiriya byabaye ikibazo nyamukuru abakoresha ikoranabuhanga bashaka gukemura. Urugero, muri abakoresha ikoranabuhanga rya fintech bashaka gukemura ikibazo mu nguzanyo no kwishyura, abakiriya bahura n'ingorane nyinshi iyo bagerageza gukemura ikibazo. Ku rwego rw'ishoramari, imbogamizi nyamukuru ni ukubona inama cyangwa inama; ku rwego rw'ubwishingizi, guhagarika ibicuruzwa nibyo bitera ibibazo byinshi.
Ku bijyanye no gukoresha ubwenge bw’ubukorano, abanditsi b’ubushakashatsi bagaragaje ko munsi ya kimwe cya gatatu cy’ibigo bya fintech bikoresha ubuhanga bwa AI, nubwo iri koranabuhanga ritanga ubushobozi mu bijyanye no gukora akazi, gusesengura amakuru agezweho, kumenya uburiganya, no guhindura ubunararibonye bw’abakiriya.
Nk’uko ubushakashatsi bwa Gartner bubivuga, impungenge nyamukuru z’abaguzi ku bijyanye na AI mu serivisi ku bakiliya ni uko ikoreshwa ryayo rishobora gutuma bigorana kugera ku muntu kugira ngo bagerageze kuvugana nawe no gushaka ibisubizo by’ibyo akeneye. Kubwibyo, inama itanga inama ko mu gihe cyo gukoresha chatbots zikoresha AI, ibigo bigomba gutekereza cyane ku bijyanye no guhuza umukiriya n’umuntu mu gihe runaka mu rugendo rwa serivisi.
Silva avuga ko ibi bimaze kuba impamo muri Edan, bityo, nubwo hari ikoranabuhanga ritangwa, ibicuruzwa bihindurwa hakurikijwe ibyo ibigo bikenera mu bijyanye n'imari, kubera ko buri kigo gifite imiterere itandukanye. Ikigo cy’imari n’ikoranabuhanga cyateye indi ntambwe ikomeye: nyuma yo kwiga amafaranga yose yishyuzwa abakiriya, cyafashe icyemezo cyo kongera gusuzuma ibiciro byacyo no kugabanya amafaranga yishyuzwa, ndetse kinakuraho amwe muri yo.
“Turimo gukora cyane kugira ngo tugabanye amafaranga y’abakiriya bacu; mu bihe bimwe na bimwe, twagabanyije 100%, tugabanya umukiriya. Iyi ngamba ntacyo yagizeho ingaruka ku nyungu zacu; ahubwo, nyuma yo gukoresha ikoranabuhanga rishya, kunoza igenzura ry’imbere mu kigo, no gushyiraho abafatanyabikorwa bashya, twashoboye kunoza inyungu zacu n’iz’abakiriya bacu. N’ubundi kandi, niba umukiriya ari we mushoramari wacu mukuru, intego igomba kuba iyo kunoza inyungu zabo buri gihe bityo bikongera uburyo bwo kubyishyura, bityo bikongera inyungu muri EDAN,” aragira ati: “Ni ibigo bingahe byavuganye na sosiyete yawe cyangwa wowe ubwawe kugira ngo bikumenyeshe ko uzishyura make? Iyi ni ESG mu bikorwa! Ikigo cyungukira ku biciro biri hasi, EDAN yungukira ku bucuruzi bwinshi, kandi sosiyete yungukira ku mirimo myinshi n’ibigo bikomeye.”.
