BNR Yahurije Uburyo Bwose Bwo Kwishyurana Mu Ikoranabuhanga Muri Sisitemu Imwe y’Igihugu ya “eKash”

U Rwanda rukomeje gutera intambwe mu rugendo rwo kubaka ubukungu bushingiye ku ikoranabuhanga, nyuma y’uko Banki Nkuru y’u Rwanda (BNR) itangaje ko ibikorwa byinshi byo kwishyurana mu buryo bw’ikoranabuhanga bigiye gukorera muri sisitemu imwe y’igihugu izwi nka Rwanda National Digital Payment System (RNDPS) cyangwa eKash.

Iri vugurura rigamije koroshya uburyo abakiliya, amabanki, ibigo bitanga serivisi za Mobile Money n’abacuruzi bakorana, rikuraho uburyo bwari busanzwe bushingiye ku masezerano yihariye hagati y’ibigo bibiri (bilateral payment arrangements).

BNR ivuga ko iyi gahunda izafasha kubaka urwego rw’imari rukoresha ikoranabuhanga rufite umutekano, rwizewe kandi rushobora kwakira udushya dushya mu kwishyurana.

eKash ni iki kandi izafasha iki?

eKash ni sisitemu y’igihugu ihuza ibigo byose bitanga serivisi zo kwishyurana hakoreshejwe ikoranabuhanga. Aho kugira ngo buri banki cyangwa buri muyoboro wa Mobile Money ugire uburyo bwawo bwo guhuza ibikorwa n’ibindi bigo, ubu bose bazajya banyura muri sisitemu imwe.

Ibi bivuze ko abakoresha konti za banki, MTN MoMo cyangwa Airtel Money bashobora guhererekanya amafaranga no kwishyurana binyuze ku muyoboro umwe, bitabaye ngombwa ko buri rwego rwubaka uburyo bwihariye bwo gukorana n’urundi.

BNR ivuga ko ubu buryo buzagabanya gusubiramo ibikorwa bimwe, bugabanye amafaranga ibigo byakoreshaga mu kubaka no kubungabunga imiyoboro itandukanye ndetse bunorohereze abakoresha serivisi z’imari.

Impinduka zizagaragarira ku bacuruzi

Mu myaka yashize, abacuruzi benshi basabwaga kugira kode zitandukanye zo kwakira ubwishyu bitewe n’umuyoboro umukiliya yakoreshaga.

Hari uwabaga afite kode ya MTN MoMo, indi ya Airtel Money ndetse rimwe na rimwe n’izindi zijyanye n’amabanki.

Ibyo byatumaga kwakira ubwishyu biba ingorabahizi, cyane cyane ku bacuruzi bato.

Mu buryo bushya, umucuruzi azakoresha kode imwe rukumbi, ishobora kwakira ubwishyu buturutse ku bakiliya bose, baba bakoresha Mobile Money cyangwa konti za banki ziri muri iyi gahunda.

Ibi biteganyijwe korohereza ubucuruzi no kugabanya amakosa ashobora guterwa no gukoresha kode nyinshi.

Abakiliya na bo bazoroherezwa

Ku ruhande rw’abakiliya, impinduka zikomeye ni uko kohereza cyangwa kwakira amafaranga hagati ya konti ya banki na Mobile Money bizarushaho kwihuta no koroha.

Abakoresha serivisi z’imari ntibazongera guhangayikishwa n’uburyo butandukanye bwakoreshwaga mbere bitewe n’ikigo umuntu abarizwamo.

BNR ivuga ko guhuza uburyo bwo kwishyurana bizafasha kongera ubwisanzure mu gukoresha serivisi z’imari no guteza imbere ikoreshwa ry’ikoranabuhanga mu bikorwa bya buri munsi.

BNR ivuga ko habanje gukorwa imyiteguro ihagije

Nk’uko byatangajwe na Guverineri wa Banki Nkuru y’u Rwanda, Soraya M. Hakuziyaremye, mbere yo kwimurira ibikorwa byose muri eKash habanje gukorwa isuzuma rya tekiniki kugira ngo harebwe niba ibikorwaremezo n’ibigo birebwa n’iyi gahunda byiteguye.

Amabanki, ibigo bitanga amafaranga y’ikoranabuhanga ndetse n’abashinzwe gucunga sisitemu y’ubwishyu basabwe gukora ibizamini bitandukanye mbere yo gutangira gukoresha ubu buryo bushya.

Ibi byakozwe hagamijwe kwirinda ibibazo bishobora kuvuka mu gihe cyo kwimura ibikorwa byose muri sisitemu imwe.

Inyungu ku rwego rw’ubukungu

Abasesenguzi mu rwego rw’imari bavuga ko guhuza uburyo bwo kwishyurana bishobora kongera umuvuduko w’ubucuruzi no kugabanya ibiciro byo gukora ibikorwa by’imari.

Biteganyijwe kandi ko bizafasha ibigo bishya by’ikoranabuhanga (FinTech) gutanga serivisi nshya byoroshye kuko bizaba bikorera ku muyoboro umwe uhuza urwego rwose rw’imari.

Ku ruhande rwa BNR, sisitemu imwe izafasha gukurikirana neza ibikorwa by’ubwishyu, kunoza igenzura ry’urwego rw’imari no kongera icyizere cy’abakoresha serivisi z’imari zishingiye ku ikoranabuhanga.

Hari ibigo bikiri mu rugendo rwo kuyishyira mu bikorwa

Mu gihe iri vugurura ryatangazwaga, abakoresha Airtel Money bari batangiye gukoresha uburyo bushya bwo kwishyura hakoreshejwe kode imwe.

Icyakora, hari abakoresha MTN MoMo bari batarabona iyi serivisi, ibintu byagaragazaga ko ishyirwa mu bikorwa ryari rikomeje ku ruhande rw’iki kigo.

BNR yasabye ibigo byose birebwa n’iri vugurura kubahiriza ibisabwa, ishimangira ko kutabyubahiriza bishobora gukurikirwa n’ingamba z’ubugenzuzi cyangwa iziteganywa n’amategeko.

Intambwe mu rugendo rwo kubaka ubukungu budakoresha amafaranga afatika

U Rwanda rumaze imyaka rushyira imbaraga mu guteza imbere ubwishyu bukorwa hifashishijwe ikoranabuhanga kugira ngo rugabanye ikoreshwa ry’amafaranga afatika.

Guhuza amabanki, Mobile Money n’abacuruzi muri eKash bifatwa nk’indi ntambwe ikomeye izafasha abaturage kubona serivisi z’imari zihuse, zizewe kandi zorohereza ubuzima bwa buri munsi.

BNR iteganya ko iri vugurura rizafasha gukomeza guteza imbere gahunda ya cashless economy, ryorohereze ishoramari mu rwego rwa FinTech ndetse rinashyigikire intego y’u Rwanda yo kuba kimwe mu bihugu bya Afurika biyoboye mu gukoresha ikoranabuhanga mu rwego rw’imari.

Src: Taarif Rw