Equity Bank Rwanda iri gukorwamo iperereza rikomeye ku cyaha cy’uburiganya mu by’imari nyuma y’uko havuzwe ubujura bwa Miliyari Frw 85 bwakoreshejwe ihererekanya ry’amafaranga kuri mobile money mu byumweru bishize, nk’uko amakuru aturuka ku bari hafi y’iri perereza abivuga.
Abashinzwe iperereza bavuga ko ubu buriganya bukekwa bwakozwe binyuze mu ihererekanya ry’amafaranga kandi ko bwakozwe n’abantu bari imbere muri sisiteme ubwayo, aho amafaranga menshi yanyujijwe mu makonti ya mobile money.
Uburyo ayo mafaranga yimuriwemo bwatumye akwira vuba mu bantu benshi batandukanye, mbere y’uko hagaragara ibitagenda neza byatumye hatangizwa iperereza.
Kuva icyo gihe, inzego z’umutekano zatahuye kandi zifata abantu benshi, barimo abakekwaho kwakira ayo mafaranga ndetse n’abakozi cyangwa abakozi bunganira banki bakekwaho gufasha mu kuyohereza.
Hari abandi bivugwa ko barekuwe nyuma y’uko iperereza ritabonye ibimenyetso bihagije byatuma bakorerwa amadosiye.
Mu gihe iyi nkuru yasohokaga, ntacyo Rwanda Investigation Bureau (RIB) cyangwa Equity Bank Rwanda bari babivuzeho ndetse n’ubutumwa bwo kuri email n’ubwo kuri telefone bwoherejwe kuri ibi bigo bisaba ibisobanuro ntibwari bwasubizwa.
Iri perereza rije rikurikira ibindi bibazo byabaye mbere muri Equity Bank, byajyanaga n’amakosa mu mikorere iboneye, intege nke mu ihererekanya ry’amafaranga hakoreshejwe ikoranabuhanga n’uburiganya bwakorewe imbere muri banki mu rwego rwagutse rwa Equity Group.
Mu manza zabaye mbere mu Rwanda, inzego z’umutekano zafashe abantu bakekwaho kugerageza uburiganya bwo kuri interineti (cyber fraud) bwibasiye sisiteme za Equity Bank.
Hari n’abakiri mu maboko y’inzego z’umutekano nyuma y’uko iperereza rigaragaje ko bagerageje kwinjira mu makonti ya banki batabifitiye uburenganzira, bagamije kwigwizaho amafaranga.
Ibyaha by’ikoranabuhanga byibasira amabanki bigenda byiyongera muri Afurika y’Iburasirazuba, aho amabanki atangaza ko hari ubwiyongere bw’uburiganya bukorwa binyuze muri mobile money no mu mikorere ya Banki ikorerwa kuri interineti.
Byanagaragaye ko uburyo bwa mobile money hari ubwo butuma amafaranga yoherezwa vuba cyane hagati y’abantu, bigatuma imiryango y’abanyabyaha ishobora kuyakwirakwiza ku bantu benshi mu minota mike.
Bituma kumenya no gukurikirana abo bantu bigorana cyane cyane iyo hari ihererekanywa ry’amafaranga menshi ariko yohererejwe abantu benshi buri wese ahabwa ingano runaka.
Mu myaka ishize, Equity Bank Rwanda yaragutse cyane kandi ubu ifite amashami menshi mu gihugu n’abakozi benshi bunganira banki (banking agents) hirya no hino.
Ibi bituma abakiriya bashobora gukoresha serivisi za banki haba mu buryo busanzwe cyangwa binyuze kuri telefone n’indi miyoboro y’ikoranabuhanga.
Abasesenguzi mu by’imari bavuga ko kwagura serivisi z’ikoranabuhanga vuba bishobora kongera ibyago mu mikorere ya banki niba sisiteme zo kugenzura ibikorwa zitajyanye n’umuvuduko w’ikorwa ry’ihererekanya ry’amafaranga ritekanye.
Impuguke mu rwego rw’imari zivuga ko uburiganya bunini nk’ubu akenshi bukorwa hifashishijwe ibintu byinshi icyarimwe, birimo intege nke za sisiteme, kwinjira muri sisiteme za banki mu buriganya, no gukwirakwiza amafaranga vuba hakoreshejwe imiyoboro ya mobile money.
Iki kibazo cya Miliyari Frw 85 kigaragaza ibyago bishobora kubaho ku mabanki akorera mu rwego rw’imari rukoresha ikoranabuhanga.
Ubuyobozi ntiburatangaza neza uburyo bwa tekiniki bwakoreshejwe muri ubu buriganya, niba byarakozwe hakoreshejwe guhindura sisiteme za banki imbere muri zo cyangwa gukoresha amakuru yinjira muri konti yibwe, cyangwa se byarakozwe n’amatsinda y’abanyabyaha b’abahanga mu ikoranabuhanga ry’imari.
Iperereza riracyakomeje kandi ingano nyayo y’iki kibazo ntiramenyekana neza.
Icyemezo kizafatwa kuri iki kibazo gishobora gutuma hashyirwa imbaraga nshya mu kurinda umutekano w’urwego rw’imari rukoresha ikoranabuhanga mu Rwanda, cyane cyane mu gihe serivisi za banki zo kuri interineti na mobile money zigenda zikoreshwa cyane mu karere u Rwanda ruherereyemo.
