BNR Yatangije eKash, Uburyo Bushya Buzoroshya Kohereza Amafaranga Hagati ya Banki na Mobile Money

Banki Nkuru y’u Rwanda (BNR) yatangaje ku mugaragaro itangizwa rya Rwanda National Digital Payment System (RNDPS/eKash), uburyo bushya bwo kwishyurana hifashishijwe ikoranabuhanga buzafasha abakiliya kohereza no kwakira amafaranga hagati ya banki zitandukanye n’abatanga serivisi za Mobile Money mu buryo bwihuse, bwizewe kandi buhendutse.

Iyi gahunda yatangiye gushyirwa mu bikorwa kuri 14 Nyakanga 2026, ikaba ari imwe mu ngamba za Guverinoma zigamije kwihutisha ikoreshwa rya serivisi z’imari zishingiye ku ikoranabuhanga no korohereza Abanyarwanda gukora ubwishyu nta nkomyi.

eKash ni iki, kandi izafasha iki Abanyarwanda?

eKash ni uburyo buhuza ibigo by’imari byahawe uburenganzira bwo gukorera mu Rwanda, bugafasha abakiliya koherezanya amafaranga hagati ya konti za banki na konti za Mobile Money batagombye kubanza kubikuza cyangwa gukoresha izindi nzira z’inyongera.

Ibi bivuze ko umuntu ushaka kohereza amafaranga ashobora kubikora atitaye ku kigo cy’imari cyangwa umuyoboro mugenzi we akoresha, ibintu biteganyijwe koroshya ubucuruzi n’ihererekanya ry’amafaranga mu gihugu.

BNR yavuze ko umutekano ari wo ushyizwe imbere

Mu itangazo ryashyizweho umukono na Guverineri wa BNR, Soraya Hakuziyaremye, hagaragajwe ko Banki Nkuru izakomeza gukurikirana imikorere ya eKash kugira ngo ikore mu mutekano usesuye kandi yubahirize amategeko agenga urwego rw’imari.

BNR yavuze ko izakorana bya hafi n’ibigo by’imari ndetse n’abandi bafatanyabikorwa mu gukurikirana uko serivisi zitangwa, uko ibikorwa byo koherezanya amafaranga bikorwa n’uburyo abakiliya barengerwa igihe bahuye n’ibibazo.

Serivisi zizajya zitangwa binyuze muri eKash

Abakoresha eKash bazashobora gukora ibikorwa bitandukanye birimo:

• Kohereza amafaranga ava kuri konti ya banki ajya kuri Mobile Money.
• Kohereza amafaranga ava kuri Mobile Money ajya kuri konti ya banki.
• Kohereza amafaranga hagati ya konti za Mobile Money.
• Kwakira amafaranga aturutse kuri banki cyangwa kuri Mobile Money mu buryo bwihuse.

BNR yasobanuye ko abakiliya bazakomeza gukoresha nimero za telefoni na konti za banki basanzwe bafite, bidasabye gufungura konti nshya cyangwa guhindura uburyo basanzwe bakoresha.

Umubare ntarengwa n’ikiguzi cya serivisi

Amabwiriza mashya agaragaza ko amafaranga menshi ashobora koherezwa cyangwa kwakirwa kuri eKash ari miliyoni 10 Frw kuri buri gikorwa

Ku bijyanye n’ikiguzi, BNR yavuze ko amafaranga ntarengwa umukiliya azajya acibwa ari 20 Frw gusa kuri buri gikorwa cyo koherezanya amafaranga hagati y’umuntu n’undi.

Icyakora, ibigo by’imari byemerewe gushyiraho ibiciro biri munsi y’ayo cyangwa se bigahitamo kudaca amafaranga kuri zimwe muri serivisi, bitewe na politiki yabyo.

Impinduka zitezwe ku bukungu n’ikorwa ry’ubwishyu

Abasesenguzi mu rwego rw’imari bavuga ko eKash ishobora kugira uruhare rukomeye mu kwagura ikoreshwa ry’ubwishyu bwifashisha ikoranabuhanga, cyane cyane ku bantu bakorera ubucuruzi buciriritse n’abatuye mu bice bitagerwamo na serivisi za banki ku buryo bworoshye.

Biteganyijwe kandi ko ubu buryo buzafasha kugabanya igihe cyatakazwaga mu kohereza amafaranga hagati y’ibigo by’imari bitandukanye, kongera umuvuduko w’ubucuruzi no guteza imbere gahunda ya Leta yo kubaka ubukungu budashingiye ku ikoreshwa ry’amafaranga afatika (cashless economy).

BNR yasabye ibigo by’imari gukora ubukangurambaga

Banki Nkuru y’u Rwanda yasabye amabanki n’abatanga serivisi za Mobile Money gukomeza gusobanurira abakiliya impinduka zazanywe na eKash, ibiciro bya serivisi, amafaranga ntarengwa yemerewe koherezwa ndetse n’uburenganzira bw’umukiliya igihe habaye ikibazo.

Abakiliya na bo basabwe gukomeza gushakira amakuru ku bigo bakorana na byo no gutanga ibibazo bahura na byo binyuze mu mashami yita ku bakiliya cyangwa bakabimenyesha BNR bakoresheje Intumwa Chatbot n’izindi nzira zashyizweho.

Iyi gahunda ni indi ntambwe ikomeye mu rugendo rw’u Rwanda rwo kubaka uburyo bwihuse, bwizewe kandi buhuriweho bwo kwishyurana hifashishijwe ikoranabuhanga, hagamijwe korohereza abaturage n’abashoramari kubona serivisi z’imari zinoze kandi zibageraho ku giciro gito.