The Director General of Technology and Innovation at the National Bank of Rwanda (BNR), Bertrand Ndengeyingoma, has warned that cyber threats targeting the financial sector are increasing and urged Rwandans to stay alert when using digital services.
Speaking on the BNR Podcast, Ndengeyingoma said technology is rapidly transforming how the central bank operates, and new tools are being tested to improve service delivery. He noted that because BNR handles sensitive national financial information, strong policies and legal safeguards must always be in place before adopting any new technology.
BNR is currently exploring the use of artificial intelligence (AI). Ndengeyingoma said the bank is consulting internal experts to find out how AI can improve accuracy and efficiency in daily operations. “We are actively studying how AI can help us deliver better results — and AI can indeed make a difference,” he said.
However, he warned that cybercriminals are changing tactics. Instead of attacking banks directly, they increasingly target individuals. “Most attacks today aim to steal personal information or trick people into sending money,” he said.
He urged Rwandans to be careful with suspicious links, messages, and online payments, and to always use verified bank websites while keeping their devices updated.
Ndengeyingoma said cybersecurity should not be left only to institutions. “Each of us plays a role in protecting our digital security,” he said. The bank regularly trains its staff through workshops and simulations to improve their ability to detect and respond to cyber threats.
He compared online safety to locking your house. “You may have the best security system, but if you forget to lock the door, you are exposed. Cybersecurity works the same way,” he said.
BNR is in the middle of a major digital transformation aimed at improving service quality and strengthening internal systems. A key focus is on modernizing its IT infrastructure to support advanced technologies in the future. “Our current systems are not yet strong enough,” he admitted, adding that the bank is working to improve data management and software to build a better foundation for AI.
Ndengeyingoma concluded by saying that technology is essential for progress. “Technology is not just something we use — it is what enables us to turn our vision into reality,” he said.
