Umuyobozi Mukuru ushinzwe Ikoranabuhanga n’Inovasiyo muri Banki Nkuru y’u Rwanda (BNR), Ndengeyingoma Bertrand, yasabye Abanyarwanda kugira ubushishozi no gukaza ingamba zo kurinda umutekano w’amakuru yabo, mu gihe ibitero by’ikoranabuhanga bigenda byiyongera mu rwego rw’imari.

Ibi yabivugiye mu kiganiro cyatambutse kuri BNR Podcast, aho yasobanuye uko ikoranabuhanga rihindura imikorere y’iyi banki umunsi ku wundi. Yagize ati: “Duhora tureba kandi tugerageza ikoranabuhanga rishya kugira ngo dufashe banki kugera ku nshingano zayo mu buryo bwihuse, butanga serivisi nziza kandi ku gihe. Kuko iyi ari Banki Nkuru y’u Rwanda, turitonda cyane kugira ngo habeho politiki n’amategeko asobanutse mbere y’uko dushyira mu bikorwa iryo koranabuhanga.”

Ndengeyingoma yavuze ko Banki Nkuru iri kuganira n’abafatanyabikorwa batandukanye ku bijyanye no gukoresha ikoranabuhanga ry’ubwenge buhangange (AI), kugira ngo rifashe kunoza imirimo, kongera umusaruro no gutanga serivisi zinoze kurushaho. Yagize ati: “Turi kuganira ku bijyanye na AI kugira ngo tumenye uburyo yakorohereza imirimo ya banki kandi ikayinoza. AI irabikora neza kandi byihuse.”

Yakomeje avuga ko muri iki gihe ibitero byinshi by’ikoranabuhanga bitakibanda cyane ku kwinjira muri sisitemu z’imari, ahubwo byibanda ku kwibasira abantu ku giti cyabo bifashishije ubutumwa cyangwa imiyoboro ishobora kwiba amakuru yabo. Yagize ati: “Ibitero byinshi muri iki gihe ni ibitero byo kwiba amakuru, ubujura bwo kuri internet n’uburiganya bugamije kwibasira abantu aho kwibasira sisitemu.”

Ndengeyingoma yasabye Abanyarwanda kwitondera ubutumwa cyangwa imbuga batamenyereye, cyane cyane mu gihe bakoresha serivisi z’imari kuri internet. Yavuze ko ari ingenzi kumenya neza ko urimo gukoresha urubuga rwemewe rwa banki kandi ibikoresho byawe byavuguruwe. Yagize ati: “Menya neza ko uri gukoresha urubuga rwemewe rwa banki, kandi ibikoresho byawe byavuguruwe. Intambwe zoroshye nk’izo zishobora kugufasha kurinda amakuru yawe no kurinda n’amakuru ya banki.”

Yibukije ko kurinda umutekano w’ikoranabuhanga bidakwiye kuregerwa gusa inzego z’imari, ahubwo ari inshingano ya buri wese. Ati: “Ni ngombwa kumva ko umutekano w’ikoranabuhanga ari inshingano ya buri wese. Dukorana n’abakozi b’amabanki binyuze mu mahugurwa n’imyitozo ngiro, kugira ngo bamenye no gutahura ibishobora kuba ibyago.”

Ndengeyingoma yagereranyije umutekano w’ikoranabuhanga n’uwo mu rugo rwa buri muntu, agaragaza ko nk’uko umuntu asiga afunze umuryango kandi ashyizemo uburyo bwo gutabaza igihe habaye ikibazo, ari ko bigomba kugenda no mu bijyanye n’ikoranabuhanga. Yagize ati: “Nk’uko usiga ufunze umuryango wawe kandi ushyizemo uburyo bwo gutabaza igihe habaye ikibazo, ni ko bigomba kugenda no mu ikoranabuhanga. Iyo utabikoze, uba wahaye urubuga abashobora kukwibasira.”

Mu rwego rwo gukomeza kwitegura ejo hazaza, Ndengeyingoma yavuze ko Banki Nkuru y’u Rwanda imaze imyaka ibiri mu rugendo rw’impinduka mu ikoranabuhanga, rugamije kuvugurura imikorere, kongera ireme rya serivisi no guteza imbere imikorere ishingiye ku makuru (data-driven decisions). Yavuze ko ubu BNR iri gukora ku ivugururwa ry’imiterere y’ikoranabuhanga (IT architecture), kugira ngo yubake umusingi ukomeye wo kwakira udushya nka AI n’ibindi bikoranabuhanga bigezweho.

Yagize ati: “Uburyo ikoranabuhanga ryacu riteye ubu ntabwo bukomeye cyane, ariko turimo kurivugurura kugira ngo dutegure imiterere ikomeye y’amakuru n’imikoreshereze y’ibikoresho by’ikoranabuhanga. Ni cyo dushyize imbere mbere yo kuvuga ku ikoranabuhanga rishya nka AI.”

Ndengeyingoma asoza avuga ko ikoranabuhanga atari igikoresho gusa, ahubwo ari imbaraga zishyira mu bikorwa icyerekezo cy’igihugu. Yibutsa ko kurinda umutekano mu ikoranabuhanga ari inshingano rusange ya buri wese ukoresha ikoranabuhanga, kugira ngo igihugu gikomeze kugana iterambere rirambye rishingiye ku mutekano w’amakuru n’ubunyangamugayo mu mikorere y’ikoranabuhanga.