Ni saa kumi n'ebyiri za mu gitondo kandi uri mu modoka ugana ku kibuga cy'indege. Ugomba kurangiza kwimurwa byihutirwa mbere yo gufata indege. Ufungura porogaramu ya banki yawe, ariko kumenyekanisha mu maso birananirana. Uragerageza. Ntacyo. Kugerageza kwa gatatu, wakiriye ubutumwa: "Kugerageza birenze. Nyamuneka gerageza nyuma." Kwicara biratangira, kandi gucuruza, ningaruka zabyo kubera gutinda, birasubikwa. Ibihe nkibi byerekana ikibazo nyamukuru: uburyo bwo kuringaniza umutekano nuburambe bwabakiriya kwisi ya banki ya digitale.
Igihe kinini, umutekano wabonwaga nkinzitizi yimikorere idashobora kwirindwa. Urugero, biometrike yo mu maso, ifite akamaro kanini mu kurwanya ubujura bwa konti (ATO): amabanki amwe yo muri Berezile yatangaje ko yagabanutse kugera kuri 85% mu kugerageza nyuma yo gukoresha ubwo buhanga. Ariko, kugirango ukore neza, bisaba ibidukikije byiza hamwe no kumurika neza, igihe, no kwitondera abakoresha. Mu isi nyayo, impinduka nkahantu, gukoresha ibirahuri cyangwa masike, no kwihutisha abakiriya birashobora kubyara kunanirwa, kongera ubushyamirane, kandi biganisha ku kutanyurwa no kureka ibikorwa.
Byongeye kandi, ubushakashatsi bwakozwe na kaminuza ya Pennsylvania bwerekana ko ibipimo byiza n'ibibi biri hejuru ku moko mato. Ibikoresho bifite kamera zidafite ubuziranenge, ibikoresho nkibirahuri byizuba cyangwa igitambaro, nimpinduka zumubiri bigira ingaruka nziza, bigatuma abakiriya bemewe bahura nimbogamizi zibabaje.
Igihe kimwe, abagizi ba nabi ntibahagarara. Hagati ya 2023 na 2024, banki zashora imari mu binyabuzima byo mu maso zashoboye gukumira ATO (Anti-Transaction Transaction), ariko zibona ubwiyongere bw’uburiganya bw’imibereho, nk’uburiganya bw’ikigo cy’ibihimbano hamwe n’uburiganya bwa WhatsApp. Febraban (Ihuriro ry’amabanki yo muri Berezile) yatangaje muri Werurwe 2025 ko 38% by’Abanyaburezili byibasiwe n’uburiganya (kwiyongera ugereranije na 33% muri Nzeri 2024), kandi Banki Nkuru, binyuze mu makuru yakiriwe n’abanyamakuru, yanditseho uburiganya bwa miliyoni 4.7 Pix (Sisitemu yo kwishyura muri Berezile) mu 2024, bikaba bivugwa ko byatakaje miliyari 6.5 z'amadorari. Mu buryo bubangikanye, mu Bwongereza, Raporo y’uburiganya ngarukamwaka 2025 yerekanye igihombo cya miliyari 1.17 mu 2024, ndetse n’igabanuka rikabije ry’uburiganya bwimurwa ryatewe, ibyo bikaba bishimangira ko hakenewe kwirwanaho byinshi kandi bitagaragara.
Ni muriki gihe biometrike yimyitwarire ireka kuba "urwego rwinyongera" kandi ihinduka itandukaniro ryirushanwa. Mugusesengura ibimenyetso birenga 3.000 hamwe nibimenyetso byerekana (nko kwandika injyana, uburyo bwo guhanagura, umuvuduko wibikorwa, indanga yerekana, ibikoresho bya telemetrie, geolokisiyo, ndetse no kugera kure), tekinoroji yubaka umwirondoro wibyago kuri buri mukoresha. Ibi bituma habaho kumenya igihe nyacyo imyitwarire yerekana uburiganya cyangwa "imyitwarire iyobowe" nabagizi ba nabi, harimo mugihe umukiriya ari, abishaka cyangwa atabishaka, akurikiza amabwiriza yatanzwe numushukanyi kuri terefone.
ROI na KPIs: umutekano utanga agaciro.
Itandukaniro ryibanze nubu buryo nuko ikomeza uburambe bwamazi kubakiriya bemewe, mugihe uhagarika cyangwa ugabanya umuvuduko gusa utandukira kurwego rwumutekano. Mubikorwa bifatika, ibisubizo ni ngombwa. Banki yo mu Bwongereza yashyize mu bikorwa ibisubizo by’iperereza ry’imyitwarire yagumanye 95% kurwanya ATO (Transaction Transaction Transaction), igabanya cyane uburiganya bw’imibereho myiza y’abaturage, kandi igera kuri 400% ROI mu mwaka wa mbere, ihuza igabanuka ry’igihombo kiziguye no kugabanya ibyiza bitari byiza ndetse n’umuhamagaro wa serivisi zita ku bakiriya. Muri Berezile, indi banki, nyuma yo guhura n’uburiganya kuri WhatsApp ndetse no kuri terefone ndetse na biometrike yo mu maso, yashyize mu bikorwa ubwenge bw’imyitwarire maze itangira kumenya no guhagarika 97% by’ibigeragezo bya ATO mu mezi umunani ya mbere, inagaragaza ibibazo byinshi by’abakiriya bakora ku gitutu cy’ibyaha. Ingaruka ntizagaragaye mu mutekano gusa ahubwo no mu kunyurwa: NPS (Net Promoteri Score) yiyongereyeho amanota 38, kandi impuzandengo yo kwemeza yagabanutse cyane.
Ibisubizo bigaragarira muri KPIs bifitanye isano itaziguye ningamba zubucuruzi: kugabanya igihe cyo kwemeza, ibirego bike bijyanye n’umutekano, umuvuduko mwinshi wo gukemura bucece bwo kugerageza uburiganya, no kwemeza byimazeyo ibicuruzwa byemewe. Ibarura rya ROI ririmo kwirinda igihombo, kugabanya ibiciro byakazi, hamwe ninjiza yabitswe mugukomeza abakiriya gukora kandi bizeye. Ubushakashatsi bwa Forrester ku ngaruka zose z’ubukungu (TEI) bushimangira ko ibisubizo bikomatanya gukumira uburiganya no kugabanya ubushyamirane bigera ku nyungu zihuse n’inyungu rusange mu myaka yashize.
Bitandukanye nuburyo bugaragara, bwangiza umubano mugihe binaniwe, biometrike yimyitwarire ikora inyuma yinyuma, kurinda umukiriya iterabwoba batazi ko rihari. Numutekano, usibye kutagaragara, ni stratégie: irinda uburiganya guhindura amayeri no gukoresha indi ntege. Ku mukiriya, banki "ikora neza"; kuri banki, buri mikoranire itekanye kandi itavanze ni amahirwe yo gushimangira ikizere, kugabanya igihombo, no guhindura umutekano mo moteri yo guhangana.
Na Diego Baldin, LATAM Solutions Engineer muri BioCatch
