Mu myaka ya vuba, isi iri kwihuta mu ikoreshwa ry’ikoranabuhanga mu by’imari (Fintech). Ubu buryo buri guhindura cyane uko abantu babitsa, bohereza, bakira ndetse banashora amafaranga. Muri uru rwego, igitekerezo kiri kuvugwa cyane ni Regulatory Passporting, gifatwa nk’intambwe ikomeye mu koroshya ubucuruzi bwambukiranya imipaka.
Regulatory Passporting Ni Iki?
Regulatory Passporting ni uburyo amategeko y’ibihugu cyangwa imiryango ibihuriza hamwe yemera ko sosiyete yahawe uburenganzira bwo gukorera mu gihugu kimwe ishobora no gukorera mu bindi bihugu bigize uwo muryango, idasubiyemo inzira ndende yo gusaba izindi mpushya. Mu magambo yoroshye, ni uburenganzira bwo “kwambuka imipaka” mu bucuruzi bw’imari nta nzitizi nyinshi z’amategeko.
Impamvu Regulatory Passporting Ari Ingenzi
1. Koroshya Kwagura Ubucuruzi
Ifasha ibigo bya Fintech kugera ku masoko mashya byoroshye, bitabaye ngombwa ko bisaba impushya nshya muri buri gihugu.
2. Kugabanya Ibiciro
Igabanya amafaranga akoreshwa mu bijyanye n’amategeko n’imicungire, kuko hatabaho gusubira mu nzira ndende kenshi.
3. Guteza Imbere Udushya (Innovation)
Bituma ibigo bishya byinjira ku isoko byihuse, bikazana serivisi nshya zifitiye akamaro abakiriya.
4. Korohereza Abakiriya
Abantu bashobora kohereza no kwakira amafaranga mu bihugu bitandukanye mu buryo bwihuse kandi bworoshye.
Ingaruka ku Iterambere rya Fintech
Regulatory Passporting iri gutuma urwego rwa Fintech rutera imbere ku buryo bugaragara:
- Kongera ubufatanye mpuzamahanga hagati y’ibigo
- Kwihutisha serivisi z’imari nko kohereza amafaranga no kwishyura kuri internet
- Kwagura isoko ry’abakiriya, aho sosiyete imwe ishobora gukorera abantu benshi bo mu bihugu bitandukanye icyarimwe
Imbogamizi Zishobora Kubaho
Nubwo iri hame rifite inyungu nyinshi, hari imbogamizi zigaragara:
1. Introduction ry’Amategeko
Ibihugu byose ntibikurikiza amategeko amwe, bigatuma gushyira mu bikorwa iri hame bigorana.
2. Umutekano w’Amakuru
Gukorera mu bihugu byinshi bisaba uburyo buhamye bwo kurinda amakuru y’abakiriya.
3. Ibyago by’Uburiganya
Iyo igenzura ridakomeye, bishobora koroshya ibikorwa by’uburiganya cyangwa ubujura bw’amafaranga.
Ahazaza h’iyi Gahunda
Ejo hazaza ha Regulatory Passporting hasa neza cyane, cyane cyane mu bice by’isi biri gushyira imbaraga mu guhuza amategeko y’imari.
Mu karere ka Afurika, hari ibiganiro n’ingamba zigamije gushyiraho amasoko ahuriweho, bishobora gufasha cyane guteza imbere Fintech no korohereza ubucuruzi bwambukiranya imipaka.
Regulatory Passporting ni intambwe ikomeye mu iterambere ry’ikoranabuhanga mu by’imari. Ifasha ibigo kwaguka, igaha abakiriya serivisi nziza kandi zihuse, kandi igateza imbere ubukungu bw’ibihugu. Nubwo hari imbogamizi zigihari, ubufatanye bw’ibihugu no kunoza amategeko bizatuma iri koranabuhanga rirushaho gutera imbere, rikazahindura uburyo isi ikora ubucuruzi n’imikoranire mu by’imari.