Nkuko tugenda twinjira mu isi yo kutagendana amafaranga, kwishyura hakoreshejwe telefoni cyangwa ikarita ya banki byariyongereye biba nk’ipfundo ryo guhererekanya amafaranga mu bucuruzi.

Mu rwego rwo kurinda umutekano w’iryo hererekanya, ni ngombwa kugenzura neza niba uburyo ukoresha budafite icyuho ku buryo wakwinjirirwa n’abajura bo ku ikoranabuhanga.

Muri iyi ngingo, tugiye kurebera hamwe uburyo bwo kwirinda uburiganya igihe ukoresha ikarita yo kubitsa no kubikuza.

1. Guhora ugenzura imikoresherezwe y’ikarita yawe

Aho gutegereza igihe runaka ngo urebe raporo y’imikoresherezwe y’ikarita yawe, koresha uburyo bw’ikoranabuhanga rya banki uhore ugenzura ihererekanya ryakozwe ndetse n’umubare w’amafaranga ufite kuri konti yawe byibura rimwe mu minsi ibiri. Ibyo bizagufasha guhita umenya niba hari igikorwa kidasanzwe cyakoreshejwe ikarita yawe cyangwa ko hari umuntu waba winjiriye konti yawe.

Banki yawe ishobora gushyiraho uburyo bw’ikoranabuhanga bukwemerera kubona amakuru yose agendanye na konti yawe, ndetse n’ay’ibyo uheruka kwishyura. Ishobora nanone gushyiraho uburyo bwo kohererezwa ubutumwa bugufi cyangwa imeli igihe cyose habaye ihererekanwa ry’amafaranga kuri konti yawe.

2. Rinda umutekano w’amakuru y’ingenzi ku ikarita yawe

Amakuru y’ingenzi ku ikarita yawe ntagomba gusangizwa uwo ariwe wese. Iyo umujura wo ku ikoranabuhanga abonye andi makuru arenze nimero iranga ikarita yawe (Nk’amazina, igihe ikarita izarangirira cyangwa CVV kode), ashobora kwishyura akoresheje ikarita yawe cyangwa agahererekanya amafaranga ari kuri konti yawe. Genzura ko ikarita yawe itajya kure yawe, kandi wirinde ko hari uwayifotora.

3. Koresha ijambo ry’ibanga rikomeye kandi rimwe rukumbi kuri buri konti yawe

Amasoko amwe yo ku ikoranabuhanga, ndetse n’izindi serivisi, bijya bisaba ababikoresha kubabikira amakuru y’amakarita yabo kugirango bijye biborohereza igihe bagiye kwinjira. Kubera ko aya makuru aba abitse ku mbuga cyangwa kuri porogaramu zigendanwa, ni ingenzi kuba konti zawe zirinzwe n’ijambo ry’ibanga rikomeye kandi rijimije, ku buryo abajura bo ku ikoranabuhanga bagorwa no kukwinjirira. Ijambo ry'banga rikomeye rigomba kugirwa nibura n’ibimenyetso 10, inyuguti nkuru n’intoya, imibare n’ibindi bimenyetso (*&^%$ ...).

4. Koresha raporo za banki z’ikoranabuhanga cyangwa uhore uca impapuro ziriho raporo za banki

Raporo za banki ziriho amakuru y’ingenzi umujura wo ku ikoranabuhanga ashobora gukoresha akangiza umwirondoro wawe cyangwa umutungo wawe, igihe zibaguye mu maboko. Niyo mpamvu ugirwa inama yo gukoresha raporo zo ku ikoranabuhanga kuko zo zishobora kurindwa n’ijambo ry’ibanga rikomeye mbere yo kuzigeraho, kuruta gukoresha raporo zo mu mpapuro ushobora gutakaza zikaba zabonwa n’abandi. Igihe ukoresheje raporo zo mu mpapuro, genzura ko waziciye neza igihe ubona utakizikeneye. Muri rusange, ibyemewe ni uguca raporo za banki igihe uzimaranye umwaka.

5. Rinda umubare w’ibanga w’ikarita yawe kandi ukoreshe imibare y’ibanga itandukanye kuri buri karita

Ushobora kwibwira ko buri wese ukwegereye ari uwo kwizerwa igihe winjiza umubare wawe w’ibanga mu cyuma cyabigenewe (ATM cyanga POS. Uwakwegera wese, wakagombye kurinda umubare wawe w’ibanga igihe cyose ugiye kuwinjiza, ugahisha aho uwandika abandi bantu bari hafi yawe. Umujura wo ku ikoranabuhanga ashobora kubona umubare wawe w’ibanga igihe cyose utawurinda uko bikwiriye.

Genzura kandi nanone ko ukoresha imibare y’ibanga inyuranye ku makarita atandukanye. Mu rwego rwo kwiyorohereza, abantu benshi bakoresha umubare umwe ku makarita yose. Ibi ni ikosa rikomeye rishobora gutuma amakonti yawe yinjirirwa n’abajura bo ku ikoranabuhanga.

Ikarita yawe ishobora kwibwa, umujura wo ku ikoranabuhanga agasiba amakonti yawe yose n’ibiriho. Genzura neza niba ukoresha imibare y’ibanga itandukanye ku makarita atandukanye maze uhe umutekano uruseho amakarita yawe yo kubitsa no kubikuza.