Shira amatsiko ku buryo bugezweho bwo kwishyura ukoresheje isura

Uhereye mu myaka ya kera cyane, nta faranga ryabagaho bivuze ko uwajyaga kugura ikintu yitwazaga ikindi gicuruzwa kugira ngo ahabwe icyo yifuza ibyo mu ndimi z’amahanga tuzi nka “Barter System”. Aha urugero niba umuntu yashakaga kugura amasaka, yitwazaga ibishyimbo ku isoko agashaka ufite amasaka ashaka ibishyimbo hanyuma bakagurirana.

Abantu batangiye kugenda bagira igitekerezo cy’uburyo bwo guhaha hanyuma hagati y’umwaka wa 3000 mbere y’ivuka rya Yesu kugera mu mwaka wa 500 nyuma y’urupfu rwa Yesu, abantu batangiye gukoresha bimwe mu bicuruzwa nk’amafaranga. Iyo washakaga guhaha ikintu runaka witwazaga nka Zahabu, Diyama,…

Abacurabwenge n’abahanga bakomeje gushaka uburyo bworohereza umuntu hanyuma hagati y’ikinyejana cya 7 mbere y’urupfu rwa Yesu n’ikinyejana cya 7 nyuma y’urupfu rwa Yesu, batangira gukora ibiceri abantu bakoreshaga mu guhaha. Ibuka ko na Yuda yagurishije Yesu bakamuha ibiceri.

Nyuma y’aho, abantu bagerageje uburyo butandukanye bwo kwishyura ibicuruzwa harimo gushyiraho inoti yatangijwe n’abashinwa mu kinyejana cya 7, gutangira gukoresha banki mu myaka y’ikinyejana cya 17, gutangira kwishyura hakoreshejwe ikoranabuhanga kuva mu myaka ya 1970s ndetse n’ubundi buryo waba uzi butandukanye.

Kuva mu mwaka wa 2009 kugeza magingo aya, hashyizweho kandi uburyo bwo kwishyura ukoresheje ifaranga ryo kuri murandasi abenshi bita ‘cryptocurrencies’ aha twavugamo amoko y’amafaranga na Bitcoin, Ethereum (ETH), Binance Coin (BNB), Cardano (ADA), Solana (SOL), Ripple (XRP), …

Uyu munsi ndashaka kwitsa cyane ku buryo bushya bwatangiye gukoreshwa mu kwishyura kuva mu mwaka wa 2010 aho umuntu yakoreshaga urutoki cyangwa se isura ye. Ni uburyo busaba ikoranabuhanga rihambaye ritari ryagera ku Isi hose ariko rikaba rimaze kumenyerwa cyane mu bihugu bikomeye kandi byateye imbere mu ikoranabuhanga.

Mu myaka ya 2010, kompanyi zo mu Bushinwa Alipay na WeChat Pay nizo zatangije uburyo bwo kwishyura umuntu akoresheje isura ye gusa hanyuma amafaranga akava kuri konti ye hanyuma akajya aho yoherejwe.

Mu mwaka wa 2017, uruganda rwa Apple rwakoze sisitemu isa nk’iyi izi kampani zakoze iyita ‘Face ID’ hanyuma ishyiramo uburyo umuntu ashobora kwishyura akoresheje telephone ye ariko aho gushyiramo ijambo-banga ugakoresha isura yawe.

Ni uburyo bumaze kumenyerwa mu Bushinwa aho nka resitora ya KPRO muri Hangzhou mu gihugu  muri iki gihugu , nta bundi buryo bwo kwishyura bundi usibye gukoresha isura yawe gusa.

Mu mwaka wa 2017, sosiyete y'ubucuruzi ikorera mu Bushinwa ya Alibaba, yatangiye ubu buryo bwo yise "Smile to pay" aho nabo basaba kuba warashyize isura yawe muri iyi sisitemu hanyuma ukajya umwenyura mu gihe ugiye kwishyura amafaranga agahita ava kuri konti yawe ajya kuri konti y'uwo wishyura.

Kugira ngo ukoreshe ubu buryo bwo kwishyura, bisaba ko uba ubaruye muri iyo sisitemu ifite ifoto yawe hanyuma wajya kwishyura ukajya imbere ya camera igafata ifoto ikayigereranya n’isura yawe hanyuma yasanga amasura ahura amafaranga akavaho yasanga bidahura amafaranga ntaveho.

Ku ruhande rwo kubika amakuru y’umukiriya, iyi sisitemu yo kwishyura ukoresheje isura yakozwe neza ku buryo ibika amakuru neza kandi nta wundi muntu ushobora kuyageraho kereka nyiri ubwite gusa nawe wabanje gushyiraho isura ye sisitemu ikemeza ko ariwe koko.

Icyakoze iyi sisitemu ishobora guteza ibibazo umuntu uyikoresha mu gihe atabashije gukurikirana no guhindura amakuru ye ngo agendane n’ibihe. Urugero iyi sisitemu ishobora kukwanga mu gihe uko ukura udahindura ifoto hanyuma ukazakenera kuyikoresha ifoto yawe ikugaragaza nk’umwana kandi warakuze ugahinduka.

Indi mpamvu ituma ubu buryo budasakara cyane no mu bindi bihugu harimo n’Afurika cyane, ni uburyo iyi sisitemu yihagazeho kandi ikaba isaba ubuhanga buhambaye ndetse n’ibikoresho bitari bicye kandi nabyo bitagura make.

Mu gihe ubu buryo butari bwagera mu Rwanda, dushishikarizwa kwishyura dukoresheje ikoranabuhanga risanzwe nka telephone, banki n’ubundi buryo mu kwirinda ibibazo twaterwa no gutwara mu ntoki amafaranga harimo kwibwa, gukwirakwiza indwara binyuze mu gukoranaho, ….