Inkomoko ya ATM zikoreshwa n'amabanki

Ahagana mu 1960 abanyamabanki batangiye gutekereza uburyo bwo korohereza abakiliya babo, ndetse n’abakozi babo kuko abantu benshi baganaga za banki bamwe bakirirwa ku mirongo bategereje gufashwa.

Batekerezaga kandi uburyo umukiliya yabona Servisi ya banki ye nibura yo kubona amafaranga mu minsi y’ikiruhuko igihe abakozi ba Bank nabo baruhutse.

Umunya Ecosse Eng James Goodfellow wakoreraga muri kigo cyitwa Smiths Industries Ltd nibwo yatangiye kwiga ku mushinga w’imashini itanga amafaranga ikayavanye kuri konti y’umukiliya ikayamuha kandi bitewe n’ayo yasabye.

Icyo kwitondera cyarimo, ni uburyo bwo kugaragaza no kwemeza neza ko kuri konti ye yavuyeho.

Uyu mugabo yatekereje ku buryo bw’igikumwe, ijwi, utwuma duto tubikwaho imyirondoro dushyirwa ku ikarita (Magnetic strip) n’ibindi mu kugaragaza ko nyiri amafaranga koko yayajyanye.

Nyuma y’ibyo, utu muhanga yakoze imashini izajya isoma turiya twuma tubitse imyirondoro n’amakuru yerekeranye na konti y’umukiliya, iyi mashini akajya ayishyiramo iyo karita akoresheje ibimenyetso (imibare cyangwa inyuguti), akabona amafaranga ye cyangwa akareba kuri konti ye atarinze gutonda umurongo.

Igitekerezo cyashyizwe mu bikorwa mu myaka ya 1960 ariko cyari cyaratekerejwe mu myaka 30 mbere y’uwo mwa, ubu za ATM (Automatic Teller Machine) zikaba zikora henshi ku Isi no mu Rwanda zikaba ziherutse kuhasesekara mu myaka micye ishize.

Ibi byuma byakomeje kugenda bivugururwa bitandukanye ho gato n’uko byatangiye bikora. Ushobora kubikuza ku byuma bigezweho bitabaye ngombwa ko ukoresha icya Banki yawe gusa.

Ubu kandi ushobora no kubitsa ukoresheje ibyuma by’amabanki amwe n’amwe ndetse na hano mu Rwanda birakorwa.

Amakarita akoresha muri ibyo byuma, ubu hari agezweho cyane ushobora no kujya guhahisha ku masoko amwe n’amwe ariyo ukoresheje.

Kubera ATM zimaze kubanyinshi, hari bamwe mu bakoresha iri koranabuhanga bavuga ko bashobora kumara igihe kinini batabonye umukozi wa Banki nka kera aho ibintu byose byacaga kuri za Guichet.

Mu rwego rwo gukwirakwiza izi servisi z’ikoranabuhanga, hari amabanki amwe n’amwe mu Rwanda yo, anaca amafaranga abantu bashaka gukoresha guichet nk’ibisanzwe mu gihe ngo baba bashobora gukoresha za ATM, zisigaye ziri no mu rurimi rwacu.

Oscar NTAGIMBA
UM– USEKE.COM