DANGANTAKAR INTANET DA HARKOKIN RAYUWA (5)

Mu’amala da Bankuna:

Kamar yadda muka yi alkawari makonni biyu da suka gabata, a yau zamu ci gaba da kwararo bayanai kan Dangantakar Intanet da Harkokin Rayuwa, kashi na biyar kenan, idan mai karatu bai mance ba. Zamu dubi irin saukin da fasahar Intanet ya ara ma masu bankuna wajen tafiyar da harkokinsu na kasuwan da kuma kulla alaka tabbatacciya tsakaninsu da abokan hulda. A yau, zamu kawo misalai ne daga gidan yanan sadarwan First Bank of Nigeria Plc, don fahimtar irin saukin da mai hulda da bankuna zai samu wajen mu’amala da bankin da yake ajiya da su ta hanyar fasahar Intanet.

Sabanin yadda mai karatu zai yi tunani watakil, yin mu’amala da bankuna ta hanyar fasahar Intanet ba ya nufin da zaran ka ji aljihunka ya bushe, sai kawai ka kama hanyar mashakatar tsallake-tsallake (cyber café) don “debo” kudi daga gidan yanan sadarwan bankin da kake ajiya dasu. Sam sam! A halin yanzu ba haka al’amarin yake ba a Nijeriya. Abinda wannan makala zai karantar da mai karatu shine yadda zaka iya samun bayanan da zasu taimaka maka tafiyar da taskanka a kowane banki. Idan kana bukatar sanin nawa kake dashi a taskanka, duk zaka iya sani. Idan so kake ka aika ma wani wasu kudade cikin taskansa, a bankin da kake ajiya, duk zaka iya. Idan kana son sanar da bankin cewa takardan cakinki (Cheque Book) ne ya kare, zaka iya aika musu da sako, su tanada maka. Idan ma katin karban kudi kake so, wanda zaka iya amfani da shi wajen ciro kudi daga taskanka ne, dare da rana safe da yamma (ATM Card), ko cikin mako ne, duk zaka iya bayar da umarni a tanada maka. Duk wannan na iya yiwuwa ta hanyar fasahar Intanet. Kenan, idan mai karatu ya lura, zai ga cewa ciro kudi daga taskansa ne kawai bazai iya yi ba. Don haka, abinda kawai zai kai ka bankin shine karban kudi, ko karban takardan cakinka (Cheque Booklet) ko katin ciro kudi (ATM Card), idan ya samu.

Yaya Zanyi?:

Idan kana bukatar aiwatar da wasu harkoki da suka shafi taskanka ta gidan yanan sadarwan kowane banki, abu na farko da kake bukata shine ka yi rajista da bankin cewa kana son su rinka aiko maka bayanai kan taskanka ta Intanet. Wannan shi ake kira “Internet Banking” ko kuma “Electronic Banking”. Idan kaje bankin, a matsayinka na mai ajiya dasu, sai ka sanar da su cewa kana son ka fara “Internet Banking”, zasu ba ka fam da zaka cika, don shigar da sunanka cikin rajistansu. Galibin bankuna basu karban ko kwabo don sun maka wannan, domin sauki ne a garesu. Amma kafin nan, ka tabbata kana da adireshin Imel, wanda ta nan zasu rinka saduwa da kai, duk da yake ya danganta da tsarin gidan yanan sadarwan bankin. Duk lokacin da aka sanya wasu kudade cikin taskanka, za a aiko maka da sakon Imel cewa ka samu wasu kudade, da kuma yawansu, da ranar da aka sanya su, sai kuma sunan wanda ya aiko maka, duk a ciki.

Kamar yadda nace a sama, a yau zamu yi misali ne da bankin First Bank. Mu kaddara kana ajiya a bankin, kuma kana da adireshin wasikar sadarwa na Imel, amma baka riga ka sanar dasu cewa kana bukatar fara Internet Banking ba. Sai ka shiga gidan yanan sadarwan bankin, a http://www.firstbanknigeria.com. Da ka shiga zaka ci karo da wani gajeren shafi da ke maka gargadi kan masu zamba-cikin-aminci da ke ci da sunan bankin. Kada gabanka ya fadi. Ka duba karshen shafin daga kasa, zaka ga inda aka rubuta “Click Here to Enter the First Bank Site”. Idan ka matsa wajen, zai bace. Sai ka dubi tsakiyan shafin daga sama, inda aka rubuta “Products and Service Offerings”, zaka ga wani dan karamin kibiya daga gefe, ka matsa, wasu tarin zabin bayanai zasu gangaro. Sai ka zabi “Internet Banking”, shafi zai budo da kansa, ba sai ka matsa wajen ba.

Da zaran ka shigo wannan shafi, zaka ci karo da tarin bayanai da zasu taimaka maka yin rajista kan “Internet Banking”. Don munasaba, ka dubi bayanan da ke hannun dama, sai ka matsa inda aka rubuta “Sign Up for Internet Banking”. Wannan zai kai ka shafin da zaka karasa yin rajista. A shafin, zaka ci karo da bayanan yarjejeniya na “kare sirrin abokin hulda”, watau “Agreement/Privacy”. Sai ka matsa dan ramin dake kasa, ka sake matsa inda aka rubuta “Enter Application”, za a kai ka inda zaka gabatar da sauran al’amura. Da zaran ka gama cikewa, za a baka suna (username) da kalman iznin shiga (password), wanda zaka rinka shigowa gidan yanan sadarwan.

Abinda ya saura yanzu shine ka yi amfani da sunan da suka baka wajen shiga gidan yanan sadarwansu, da duk wani abinda zaka aiwatar, duk zasu shaida ka. Don haka idan ta gidan yanan sadarwan kake son ka rinka karban sakonni, duk zaka iya. Idan kuma so kake su rinka aiko maka cikin jakar Imel dinka (Yahoo ko Hotmail dsr), duk kana da zabi. Abinda zaka kiyaye kawai shine, duk lokacin da ka shiga gidan yanan sadarwan, sai ka sake shiga da sunanka (username & password), don isa inda zaka aiwatar da harkokin da suka shafe ka. Zaka iya hakan net a hanyar shigar da sunan (username) da kalmar iznin shiga (password) a inda aka rubuta “Sing In”. ko kuma kaje wajen “Retail Banking”, ka shiga ta can.

Kammalawa:

Wannan shine hanya mafi sauki daga cikin hanyoyin da mai mu’amala ke da su ta hanyar fasahar Intanet. A mako mai zuwa zamu ci gaba da kawo bayanai kan wani bangare na kasuwanci in Allah Ya yarda. Kada a mance, za a iya samun kasidun baya a shafin kundin sirrinmu da ke http://fasahar-intanet.blogspot.com.