Isi y’imari ikomeje guhinduka mu muvuduko ukabije bitewe n’ikoranabuhanga ryo kwishyura ako kanya, rizwi mu rurimi rw’icyongereza nka “Instant Payments”. Raporo nshya yakozwe n’ikigo PYMNTS (ikigo mpuzamahanga cy’ubushakashatsi cyibanda ku bukungu n’uburyo bwo kwishyura) ku bufatanye na Ingo Payments (ikigo cy’ikoranabuhanga muri Amerika cyibanda ku kohereza amafaranga mu buryo bwihuse), igaragaza ko hari ikinyuranyo hagati y’iterambere rya tekiniki n’imyumvire y’abantu. Nubwo ubu buryo buvugwa ko ari bwo buzatwara ejo hazaza, raporo yiswe “Instant Payments Win. Why Do Some Consumers Still Say No?” yerekana ko hari abagifite amashikanu.
Muri uyu mushinga w’ubushakashatsi wakozwe kuva muri 2024 kugeza mu mpera za 2025, aho byagaragaye ko abantu benshi bagira inyota yo kwakira amafaranga yabo mu gihe nyacyo (Real-time). Ibi bikunze kugaragara cyane mu rurimi rw’amahanga nka “Gig Economy” (cyangwa akazi k’ibiraka by’akanya gato), aho umukozi aba akeneye kwishyurwa imirimo arangije ako kanya. Ubwo buryo bufasha abantu gucunga neza umutungo wabo cyangwa ibizwi nka “Cash Flow“, kuko bituma umuntu ataba uwa mbere mu gukoresha amafaranga atarayageraho.
Icyakora, raporo ishimangira ko hari abantu bagihitamo inzira za kera zizwi nka “Traditional Banking Methods“, ari zo gutonda imirongo muri banki cyangwa gutegereza iminsi itatu kugira ngo sheki (Check) ishyirwe kuri konti. Ibi ntibiterwa n’uko ikoranabuhanga ridahari, ahubwo biterwa n’impungenge z’umutekano cyangwa “Data Privacy“. Hari abaguzi bumva ko guhuza konti zabo na porogaramu z’ikoranabuhanga rishya bishobora kubashyira mu kaga ko kwibwa amakuru yabo bwite n’abajura bo kuri murandasi (Cybercriminals).
Ku rundi ruhande, inzitizi ntabwo ari imyumvire gusa, ahubwo harimo n’icyo abahanga bita “Infrastructure gaps“. Ibi bishaka kuvuga ko nubwo kwishyura ako kanya bikora mu mishahara, bitarakwirakwizwa mu zindi ngeri nko mu bwishingizi (Insurance) cyangwa mu ishoramari (Investment). Ibi bituma uburyo bwo guhererekanya amafaranga buba bucuritse, aho amwe azira umuvuduko andi agategereza inzira z’ubuyobozi ziteze imbere.
Mu gusoza, iyi raporo ikubiyemo ubutumwa bukomeye ku bigo by’imari (Financial Institutions) n’ibigo by’ikoranabuhanga (FinTechs). Biragaragara ko kugira ngo iri koranabuhanga ryakirwe 100%, hatagomba kwibandwa gusa ku kubaka “App” zihuta, ahubwo hagomba no kubakwa icyizere no kwigisha abaguzi. Gukemura ibibazo by’imyumvire no kurinda umutekano w’abakoresha ni byo bizatuma kwishyura ako kanya biba amahitamo asanzwe ya buri wese mu buzima bwa buri munsi.
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