Mubintu byinshi birimo guhindura imibare, tekinoroji imwe yagaragaye nkumucyo wumutekano no guhanga udushya: guhagarika. Kugaragara kwayo mu 2008 ntabwo kwateye amatsiko inzobere mu nganda gusa ahubwo byanashimishije abayobozi n’abashoramari ku isi hose. Ariko ni izihe ngaruka z'ubu buryo ku rwego rw'imari?
Mbere ya byose, birakenewe kumva icyo ikoranabuhanga mubyukuri. Blockchain itanga inyubako zegerejwe abaturage, ikuraho abahuza. Ibi bigabanya ibiciro byakazi kandi bigabanya ibyago byuburiganya no gukoreshwa. Byongeye kandi, ubushobozi bwayo bwo kwandika ibyakozwe muburyo budahinduka kandi bugenzurwa nimwe mubintu byingenzi byatumye ibigo byimari byifashisha ikoranabuhanga mubikorwa byabo.
Iyi myumvire ijyanye n’amasosiyete agenda yibanda ku mutekano, wabaye ikintu gikomeye mu byemezo bifatika. Gutanga igitekerezo kijyanye n'akamaro, ukurikije icyiciro cya mbere cy’ubushakashatsi bwakozwe na 2024 Febraban Banking Technology, bwakozwe na Deloitte, guhagarika ibikorwa byihutirwa kuri 56% byamabanki yo muri Berezile, bishimangira akamaro k’ikoranabuhanga mu bijyanye n’imari.
Hamwe nibitekerezo, rumwe murugero rugaragara rwo gusaba murwego rwimari ni uguhindura ibikorwa mpuzamahanga byo kwishyura no kohereza. Mubisanzwe, ibyo bikorwa byari bihenze kandi bitwara igihe, bisaba ko habaho ibigo byinshi. Hamwe niyi sisitemu, ihererekanyabubasha rishobora gukorwa hafi ako kanya kandi ku giciro gito, bigatuma ibigo by'imari bitanga serivisi zirushanwe kandi zihuse.
Usibye kwishura, ikoranabuhanga rihindura iyandikisha no gucuruza umutungo wimari. Gukemura imigabane, ingwate, nundi mutungo kurubuga rushingiye kumurongo wihuta, umutekano, nubukungu, gukuraho abahuza no kugabanya ibyago byuburiganya. Urundi rugero ni ugukoresha amasezerano yubwenge mugukora no gucunga neza ibikorwa byimari, bitanga urwego rwumutekano kandi neza.
Indangamuntu zizewe zo mu ikoranabuhanga ni ikindi gice iyi miterere irimo kugira icyo ihindura. Uburiganya bw'indangamuntu ni kimwe mu bibazo bikomeye mu rwego rw'imari, kandi dukurikije ibyo, iyi mashini itanga igisubizo gikomeye, ikora inyandiko zidahinduka kandi zishobora kwemezwa.
Ibanga riri muri cryptography, tekinoroji ihindura amakuru muri kode igoye kuyisobanura. Buri gice cyamakuru yimikorere nkibikoresho bya digitale, bikingiwe nigice cya kriptografiya bigoye cyane kumena. Ibi ntabwo byemeza gusa ko amakuru akomeza kuba ibanga kandi ntayegayezwa, ahubwo anatanga uburyo busobanutse kandi buhoraho bwo gufata amajwi.
Kugira ngo hatangwe igitekerezo cy’izi ngaruka, ubushakashatsi bwakozwe na Blockdata bwerekanye ko 44 mu masosiyete 100 akomeye ku isi acuruzwa ku mugaragaro akoresha ibisubizo by’ikoranabuhanga mu bikorwa by’imbere, ibicuruzwa, na serivisi. Muri bo, 22 basanzwe bakora ubushakashatsi bwo guhuza blocain mubikorwa byabo cyangwa mubikorwa byabo. Byongeye kandi, ukurikije ubushakashatsi bwakozwe na Deloitte, hafi 70% by'amasosiyete yumva ko ubwo buryo bushobora kuzana inyungu zikomeye mu bikorwa byazo.
Nubwo hari inyungu, hari imbogamizi mugukoresha uburyo murwego rwimari. Imwe mu mbogamizi nyamukuru ni amabwiriza. Tekinoroji irwanya inzego gakondo zigenga, zimenyereye guhangana nabahuza hagati. Hamwe nibitekerezo, abagenzuzi ku isi barimo gukora kugirango bashireho umurongo ngenderwaho wemerera gukoresha neza igisubizo cyikoranabuhanga bitabangamiye ubusugire bwimikorere yimari.
Nubwo hari ibibazo, ejo hazaza h'urwego rw'imari hasa n'icyizere. Hamwe n'ibigenda bigaragara, igikoresho gifite imbaraga nini zo kugira ingaruka zikomeye kuri societe. Usibye kugabanya ibiciro, ikoranabuhanga rishobora kongera amafaranga mu gutanga serivisi za banki kubantu babarirwa muri za miriyoni.
Mugihe ibibazo byubuyobozi byatsinzwe kandi ikoranabuhanga rigenda ryoroha, turashobora kwitega impinduka zikomeye muburyo urwego rwimari rukora, bikazana inyungu nko gukorera mu mucyo no guharanira demokarasi muri serivisi muri ako karere.
