Yawaitar Hada-Hadar Kuɗi Ta Intanet Na Tare Da Sabbin Barazanar Tsaro 
Abuja – Yayin da Najeriya ke ci gaba da rungumar tsarin biyan kuɗi na zamani da hada-hadar kuɗi ta intanet, sabbin alkaluma daga Babban Bankin Najeriya (CBN) sun nuna cewa bankuna da kwastomominsu sun yi asarar fiye da naira biliyan 134 sakamakon zambar intanet tsakanin shekarar 2020 zuwa 2025.
Rahoton "Nigeria Payments System Vision 2028" ya nuna cewa masu aikata laifukan intanet sun yi yunƙurin damfarar kuɗaɗe da suka kai naira biliyan 187.79 a cikin shekaru shida, yayin da aka tabbatar da asarar naira biliyan 134.48.
Me Ke Janyo Karuwar Zambar Intanet?
Masana tsaron bayanai sun ce ci gaban fasahar kuɗi (FinTech), yawaitar amfani da wayoyin hannu, da kuma ƙaruwa cikin hada-hadar kuɗi ta yanar gizo sun samar da sabbin damammaki ga masu damfara.
A yau, miliyoyin 'yan Najeriya na amfani da:
Mobile Banking
Internet Banking
POS
ATM
Wallet Apps
E-commerce Platforms
Wadannan hanyoyi sun sauƙaƙa rayuwa, amma kuma sun buɗe ƙofofi ga masu aikata laifukan intanet.
Sabbin Dabarun Mazambata
Masu damfara na amfani da hanyoyi daban-daban wajen satar kuɗin jama'a, ciki har da:
Phishing
Aika saƙonnin bogi ko imel waɗanda ke kama da na banki domin satar bayanan sirri.
Fake Customer Care
Kiran mutane suna ikirarin cewa ma'aikatan banki ne domin neman lambobin OTP ko PIN.
Link na Bogi
Tura hanyoyin yanar gizo na karya da ke kama da na bankuna ko kamfanonin kuɗi.
SIM Swap Fraud
Karɓe ikon layin waya domin samun damar shiga asusun banki.
Yadda Jama'a Ke Fadawa Tarkon Damfara
Masana sun ce mafi yawan asarar kuɗi ba ta faruwa saboda raunin tsarin banki kaɗai ba, har ma saboda rashin wayar da kan masu amfani.
Wasu mutane kan bayar da:
Lambobin PIN
OTP
CVV
Password
ga mutanen da ba su sani ba saboda tsoro ko yaudara.
Matakan Kariya Da Ya Kamata A Dauka
Masana cybersecurity sun ba da shawarar:
Kada Ka Bayar Da Sirrinka
Banki ba zai taɓa neman PIN, OTP ko Password ta waya ko saƙo ba.
Yi Amfani Da Two-Factor Authentication
Wannan tsarin na ƙara wani matakin kariya ga asusun mutum.
Duba Saƙonni Da Imel Da Kyau
A tabbatar da sahihancin adireshin da ya aiko saƙo kafin a danna kowace hanyar yanar gizo.
Riƙa Sauya Kalmar Sirri
A riƙa canza password lokaci zuwa lokaci tare da amfani da kalmomin sirri masu ƙarfi.
Tasirin Zambar Intanet Ga Tattalin Arziki
Masana tattalin arziki na gargadin cewa ci gaba da yawaitar zambar intanet na iya rage amincewar jama'a ga tsarin hada-hadar kuɗi na zamani.
Idan mutane suka rasa kwarin gwiwa ga bankuna da tsarin biyan kuɗi ta intanet, hakan na iya rage ci gaban tattalin arzikin dijital da Najeriya ke kokarin gina wa.
Me CBN Da Bankuna Ke Yi?
CBN ya ce yana aiki tare da bankuna da kamfanonin fasahar kuɗi domin:
Inganta tsarin gano zamba.
Amfani da Artificial Intelligence wajen sa ido.
Karfafa tsaron bayanan kwastomomi.
Wayar da kan jama'a.
Haka kuma bankuna na ƙara saka hannun jari wajen tsaro da tsarin gano hare-haren intanet kafin su yi nasara.
Kammalawa
Yayin da Najeriya ke matsawa gaba a fannin tattalin arzikin dijital, ya zama wajibi gwamnati, bankuna da jama'a su haɗa kai wajen yaƙar zambar intanet.
Naira biliyan 134 da aka rasa cikin shekaru shida na nuna cewa barazanar cybercrime ba ƙarama ba ce. Kariya mafi kyau ita ce wayar da kai, kiyaye bayanan sirri, da kuma amfani da sabbin hanyoyin tsaro domin kare kuɗaɗen jama'a daga hannun mazambata.
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