Banki Nkuru ya Namibia Yegukanye Igihembo Mpuzamahanga mu Ikoranabuhanga rya AI

Banki Nkuru ya Namibia (Bank of Namibia) yahawe igihembo gikomeye cyitwa Artificial Intelligence Initiative Award, gitangwa mu marushanwa ya Central Banking Awards. Iki gihembo gihabwa amabanki makuru cyangwa inzego zigenzura ubukungu zagaragaje udushya n’iterambere mu gukoresha ikoranabuhanga rya AI (ubwenge buhangano).

Iki gihembo si icy’icyubahiro gusa, ahubwo kigaragaza ko Banki Nkuru ya Namibia iri mu za mbere ku isi mu gukoresha ikoranabuhanga rigezweho mu guteza imbere ubukungu. AI ikoreshwa mu koroshya no kunoza imirimo isanzwe ikorwa na banki, cyane cyane ifata ibyemezo bikomeye ku bukungu bw’igihugu.

Abatanga ibihembo bareba ibintu by’ingenzi birimo:

• Udushya (innovation): Ese banki yazanye uburyo bushya butari busanzwe?

• Umusaruro (effectiveness): Ese ibyo bikorwa bifite icyo bihindura mu mikorere ya banki n’ubukungu?

• Umutekano w’amakuru (cybersecurity): Ese amakuru ararinzwe neza mu gihe hakoreshwa ikoranabuhanga?

Ibyatumye Banki Nkuru ya Namibia itsinda

Banki Nkuru ya Namibia yashimwe cyane kubera imishinga yayo mu gukoresha AI mu buryo bufatika. Muri yo harimo:

• Guhanura inguzanyo zitishyurwa (Non-performing loans):Bakoresheje porogaramu za machine zibasha gusesengura amakuru menshi, zigahanura niba hari inguzanyo zishobora kutazishyurwa. Ibi bifasha amabanki n’igihugu kwirinda ibihombo.

• Kumenya uko ibiciro bihagaze vuba (Inflation nowcasting):Iyi sisitemu ituma banki ibona amakuru ajyanye n’izamuka cyangwa igabanuka ry’ibiciro mu gihe cya hafi cyane, bigafasha gufata ibyemezo byihuse kuri politiki y’ifaranga.

• Igikoresho cy’amategeko (Regulatory Navigation Tool):Iki ni igikoresho gifashwa na AI gituma abantu n’ibigo babona vuba ibisobanuro ku mategeko n’amabwiriza agenga urwego rw’imari, bityo bigatuma gukorera mu mucyo no kubahiriza amategeko byoroha.

Icyo abayobozi babivugaho:

Guverineri wa Banki Nkuru ya Namibia, Ebson Uanguta, yavuze ko iki gihembo ari ikimenyetso cy’uko bakomeje gushyira imbere ikoranabuhanga rifite akamaro gafatika. Yagaragaje ko intego yabo atari ugutsindira ibihembo gusa, ahubwo ari ugukomeza kubaka banki ikoresha amakuru neza kandi ijyanye n’igihe.

Uruhare mu guteza imbere AI mu gihugu

Iyi banki ntiyagarukiye gusa ku bikorwa byayo bwite. Yanagize uruhare rukomeye mu guteza imbere ikoranabuhanga mu gihugu cya Namibia. Mu bufatanye na Namibia University of Science and Technology, bashinze laboratwari yitwa Artificial Intelligence and Robotics Accelerator.

Ibi byose bigafasha abanyeshuri Kwiga gukora robot (robotics), Gutunganya no gusobanura indimi hakoreshejwe mudasobwa (NLP), Gusesengura amashusho (computer vision), Kwiga uburyo bwo kurinda sisitemu za AI (AI cybersecurity), Ikindi Kandi bifasha urubyiruko kubona ubumenyi bugezweho bushobora kubafasha ku isoko ry’umurimo.

Akamaro ibi bikorwa bizagira ku’bukungu

Ibi bikorwa byose bigira akamaro kanini:

• Bituma ibyemezo bya banki bifatwa hashingiwe ku makuru afatika
• Bigabanya ibyago mu rwego rw’imari
• Bituma ubukungu burushaho kugenda neza no kwizerwa

Muri rusange, gutsindira iki gihembo cya Banki Nkuru ya Namibia ni intambwe ikomeye igaragaza uko Afurika ishobora kuyobora isi mu gukoresha ikoranabuhanga rigezweho mu rwego rw’imari. Ni urugero rwiza n’ibindi bihugu byakwigiraho mu rugendo rwo kwinjira mu bukungu bushingiye ku ikoranabuhanga.