Abantu barahuze muri iyi minsi, kubera ibintu byinshi bibera icyarimwe kandi bibareba. Ikoranabuhanga rishobora kudufasha guhorana gahunda ziri kumurongo bitabujije ko tugira byinshi biri kubera icyarimwe. Gusaba telefone kukwibutsa bishobora kugufasha kwirinda abatekamutwe, gukoresha umutungo uko wabiteguye ndetse no kukurinda kwishyura amafaranga atari ngombwa. Ubu buryo ni uburyo bwiza cyane bwo gushyira ku murongo ubuzima bugira gahunda nyinshi ndetse n’umutungo.

Hari zimwe mu mpuruza zishyirwamo utabigizemo uruhare. Ibigo by’imari n’amabanki biba zifite porogaramu z’ikoranabuhanga zikurikirana ikoreshwa ry’umutungo hifashishijwe ikarita ntangamwenda (credit cards) cyangwa ikarita zikoresha umutungo (debit cards). Igihe hari ikiguzwe porogaramu ikabona biteye kwibaza, ihita yohereza ubutumwa ku muntu nyir’ikarita. Ubu buryo bwafashije abantu batabarika kutibwa utwabo n’abajura.

Nk’uko haza ubutumwa ku bakoresha amakarita akoshwa nk’inguzanyo n’amakarita y’umutungo w’umuntu, abafite za konti baba bashobora guteganya uko bahabwa ubutumwa ku mpamvu zitandukanye z’ibibera kuri konti ye. Urugero nko kumenyeshwa igihe hari amadolari ashyizwe kuri konti, igihe hari abikujwe cyangwa igihe hari amadolari yoherejwe ava kuri konti y’umuntu ajya ku yindi nabyo bishobora gukorwa umuntu agahita ahabwa ubutumwa bumumenyesha kuri telefoni. Fagitire yoherejwe mu buryo bw’ikoranabuhanga umuntu amaze kwishyura iba ishobora gutuma umuntu amenyeshwa igihe adafite amafaranga ahagije kuri konti ye. Abantu benshi bavuga ko ubwo butumwa bwo kwibutsa ko amatariki yo kwishyura yageze cyangwa se yarenze ari ingenzi mu gutuma umuntu yishyurira inguzanyo ku gihe. Abantu bakoresha ubu buryo bwose kugirango bahoze ijisho ku mafaranga yabo ari muri banki ari nako bamenya ibikorwa bishidikanywaho banirinda kwishyura amafaranga y’ubukererwe.

Ikindi kintu gishoboka, ni ugutegura uburyo uzajya umenyeshwa amadolari ari kuri konti yawe buri kwezi, buri cyumweru cyangwa se buri munsi. Kubona ubu butumwa bituma bafata icyemezo cy’ingano y’amadolari bakoresha, bikanatuma bagabanya ingano y’amadolari bakoresha buri munsi.

Uburyo bwo gukurikirana ibibera kuri konti ukoresheje ikoranabuhanga akenshi binatanga uburyo bwo gutegura ingengo y’imari yawe. Ubu buryo bwemerera abafite konti gushyiraho ingano y’ayo bakoresha mu byiciro bitandukanye. Nk’urugero, umuntu ashobora kuvuga ati nzajya nkoresha $100 buri kwezi ndya muri resitora. Ubutumwa bw’imbuzi bushobora kuza bukamwibutsa ko ari kwegereza ya mafaranga yiyemeje. Kumenya ibi, bituma ashobora kutarenza ingano iyemeje akaba yarindira ukwezi gutaha maze akabona kongera gusohokera muri resitora.

Ibigo by’imari nk’abafatanyabikorwa mu nguzanyo (credit unions) na za banki bemera ikoreshwa ry’ubutumwa bwibutsa. Ushobora kwiyandikisha mu kigo cy’imari mukorana maze ugakoresha konti yawe mu buryo bw’ikoranabuhanga. Akenshi usanga nta kigoye kiri mu gushyira sisiteme y’ubutumwa bugufi bukwibutsa kuri mudasobwa cyangwa telefone yawe. Gusa kuri banki cyangwa ikigo cy’imari mukorana wahasanga umuntu wagufasha igihe ubikeneye.