#URUHARERWANJYE: SOBANUKIRWA UKO WAKWIRINDA ABAJURA KURI ATM

Mu minsi ishize nagize amahirwe yo kwitabira amahugurwa yari yateguwe n’ Ishyirahamwe rihuza Ibigo by’Imali iciriritse mu Rwanda (AMIR) ku bufatanye n’Inama Nkuru y’Itangazamakuru mu Rwanda (MHC); aya mahugurwa tukaba twarayungukiyemo byinshi ku ruhare rw’Amabanki mu kurengera Umukiriya by’Umwihariko nanone ku ruhare rw’Umunyamakuru nk’Umuyoboro uhuza amabanki n’abakiliya ndetse no kurengera Umukiliya.

Icya mbere nungutse nuko nasanze Ibigo by’Imali byinshi mu Rwanda bifata Umukiliya nk’”Umugenerwa” nyamara abahanga mu bucuruzi bemeza ko Umukiliya akwiye kuba Umufatanyabikorwa aho kuba Umugenerwa bikorwa.

Ikindi nungukiyemo ni Uburyo uko ikoranabuhanga rigenda ritera imbere abakiriya bararushaho guhura n’Ibibazo birimo no kwibwa amafaranga hakoreshejwe Ikoranabuhanga. 

Aha Uwaduhuguye yatubwiye ukuntu “Buriya ku byuma bya ATM ari ahantu ukwiye kwitondera mu gihe Ubikuza amafaranga yawe.”

Yagize ati “Buriya hari Uburyo Banki ziba zigomba guhuguramo abakiliya mu ikoreshwa rya biriya byuma, uburyo umukiliya agomba guhagarara imbere yacyo nuko akwiye kurinda Umubare w’Ibanga we.”

Gusa Buri wese akwiye no gukoresha Umutimanama we mu kurinda Umutekano w’Amafaranga ye aho Ushidikanya ukegera Banki yawe Ikakugira Inama aha nawe Uzaba ugize Uruhare rwawe mu kunoza Serivisi Uhabwa na Banki.

Ngarutse Ku cyo ngendereye muri Iyi nyandiko ngamije kugusangiza bumwe mu buryo wakoresha mu kwirinda abajura cg hackers mu gihe ukoresha Ibyuma bya ATM.

IBYO UGOMBA KUBANZA KUMENYA

·       Muri Iki gihe ATM zibasiwe n’Ubujura bukabije aho ababikora baba bagambiriye kukwiba PIN yawe ikabafasha kugucucura burundu Umutungo wawe wo kuri Banki. 

·        Ese wari uziko umuntu akwiba account number (Nomero ya Konti) na PIN akoresheje ibyo twita REMOTE CONTROL DEVICES (ibi twabigeranya nka Telecomande ikugenzurana n’Ibyawe byose aho uri hose!

·        Ndakeka aya ari amakuru mabi ku mukiliya uwari we wese. Gusa Icyiza n’Ukubimenya ukagerageza no kubirwanya.

Ikindi Utari Uzi cyangwa Usanzwe Uzi ni uko: ATM zimaze Imyaka irenga 40 zikoreshwa kandi abantu barazizera nawe ukwiye kuyizera icya mbere nuko ukora Attention kuri serivisi zayo.

UKO ABAJURA BABIGENZA

Twifashishije Ubushashatsi butandukanye n’Inyandiko z’Ikoranabuhanga, bigaragara ko Ubusanzwe abajura bo kuri ATM bakoresha uburyo nka bubiri gusa bubaganisha ku kugucucura.

1.     Kuri Biriya byuma hashobora gushyirwamo za Camera ukabigura ku Isoko utabiza. Camera imwe ariko utapfa kubona ishobora gushyirwa hariya Ucengeza Card noneho uko uyishyiramo niko ibasha gusoma imibare iri kuri Card yawe. Icyo ni kimwe ndumva utangiye kubyibazaho. Uti gute?

2.     Camera ya Kabiri nayo itagaragara mbese imeze nka Microchips ishobora gushyirwa hejuru hamwe haba haka itara cg mu Mu mpande noneho Uko wandika Umubare w’Ibanga wawe ikaba iwusoma! Ndakeka aha tubyemeranya.

Ubwo ntibagutwaye Card Number na PIN? None igisigaye ni iki ubwo kitari uku kwiba?

Iyo ibyo abajura babigezeho icyo bakora ni Ugupilata Ikarita yawe neza ubundi nabo bakabikuza uko bisanzwe.

Ntabwo negereye abahanga mu mikorere yazo mu Rwanda ariko ibitekerezo byawe nibyo bizamfasha kubegera nkajya kubakubariza neza bakatubwira uko mu Rwanda bihagaze.

Reka Twikomereze ku buryo bwo guhangana n’abo babihemu ariko nanone twakwita abahanga mu guhemuka.

UBURYO BWO KURINDA UMUTEKANO KURI ATM

1.     Twikira PIN yawe n’Ikiganza

Ndakeka ko Ibi ubyumva neza nta kigoranye kirimo. Koresha Ikiganza Utwikire. Iyo Camera ntizatobora ikiganza cyawe ngo irebe ibyo urutoki rwandika. TWIKIRA

2.     Koresha ATM umenyereye kandi Ugire Umubare ntarengwa Uyikoresha mu gihe runaka

Koresha ATM wizeye kandi Umenyereye? Ndibaza nti se ubu ni iyihe? Iyiri mu marembo ya Banki se? Iyiri imbere ya Gare se? Iyo ku Karere se? Iyiri Ku Kabari cg kuri Hoteli se? Ni iyihe koko? Niba ubyibaza nawe reka turebe Icyo babibivugaho:

Abahanga bavuga ko icya mbere ugomba kwitondera ari ukubikuza ku byuma bya ATM mu masaha y’Ijoro kuko izo Camera zikorana cyane n’Urumuri. 

Ntugakunde kubikuriza kuri ATM ziri mu masoko cyangwa ku maresitora, Utubari n’ahandi hahurira abantu benshi. Aha niho abajura bibanda cyane ariko Umuntu agirwa Inama yo Kubikuriza ahantu hari Camera icunga Umutekano. Ku bibuga by’Indege kandi naho ni aho kwitondera.

3.     Jya ukunda kureba Balance usigaranye uko bishoboka

Buriya iyo bakwibye amafaranga ntubitangaze hakiri kare biragorana ko yakurikiranwa cyangwa wayasubizwa. Ni byiza kwiyandikisha kuri Banki yawe muri Serivisi iguha Ubutumwa bugufi muri E-mail cg muri Telephone buri gihe uko hari igikorewe kuri Compte yawe. 

Nizere ko usobanukiwe n’Impamvu Banki zikunze kugusaba kubikora. Si ukukungakamo ahubwo ni ukugufasha kugira uruhare ku mutekano w’Amafaranga yawe.

4.     Genzura ATM

Muri Iki gihe Abanyarwanda bagenda baba abasirimu mu Ikoranabuhanga ndetse no kuvumbura ibyaryo.

Uko uzi ko utapfa kwinjira muri Village Urugwiro bya Kenyege nawe niwegera ATM yose gira amakenga Uyicakaze akawa mugani w’Urubyiruko maze Uyi-Checking byibuze nawe uzavuge uti nagerageje kuyisuzuma. 

Erega sibyiza kwizera 100% ikorabuhanga usabwa kugira amakenga.

Umuhanga yaravuze ngo “Igihe ukoresha ATM yawe Usabwa Gushishoza, Gusobanukirwa, ndetse ukitegura n’Ingaruka” 

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