Iyi gahunda ya ‘Cashless’ yimakajwe mu nzego zose z’ubukungu, haba mu mabanki, amaguriro n’amaduka atandukanye mu nzego za Leta n’ahandi.

Cogebanque nayo ntiyasigaye inyuma muri uru rugendo kuko ifite amakarita ya banki atandukanye afasha umuntu kubikuza ndetse no kwishyura ibintu bitandukanye. Ifite kandi ikoranabuhanga rya internet banking, mobile banking ndetse hashize igihe itangije gahunda yise ‘SchoolGEAR’, igamije gufasha abanyeshuri n’ibigo by’amashuri.

Ubu buryo bufasha ababyeyi cyangwa se abanyeshuri kwishyura amafaranga y’ishuri bakoresheje ikoranabuhanga batagombye gusa kujya gutonda umurongo kuri banki.

Ubuyobozi bwa Cogebanque bwatekereje kuri iyi gahunda nyuma yo kubona ikibazo cy’imirongo igaragara mu mabanki mu bihe by’itangira ry’amashuri, bigatuma ababyeyi cyangwa abanyeshuri bamara umwanya munini bategereje kwishyura amafaranga y’ishuri.

SchoolGEAR ishobora gukoreshwa binyuze mu buryo butatu, ushobora kuyikoresha wifashishije amashami ya banki, abahagarariye Cogebanque hirya no hino (Aba-agents) cyangwa se ugakoresha Mobile Money.

Uwishyuye ahita abona inyemezabwishyu ndetse igahita yoherezwa no ku kigo umwana yigaho.

Kugira ngo ukoreshe iyi serivise ugomba kuba ufite kode wahawe n’ikigo umunyeshuri yigaho, aho buri mwana wese afite kode ye imutandukanya n’abandi.

Gukoresha ubu buryo ukanda *700# bagahita bagusaba gushyiramo kode y’umwana, ugahitamo icyo ushaka kumwishyurira niba ari amafaranga y’ishuri cyangwa se ay’umwambaro w’ishuri, ushobora no kuyikoresha uciye ku rubuga rwa Cogebanque.

‘SchoolGEAR’ ishobora gukoreshwa n’amashuri y’incuke, abanza, ayisumbuye na kaminuza.

Kwizera Carmella ushinzwe itangazamakuru n’itumanaho muri Cogebanque, yavuze ko ubu buryo bw’ikoranabuhanga buzaba igisubizo kuri benshi, ndetse buzafasha banki gutanga serivise zihuse kandi zinoze.

Ati “Ubu ntabwo bagikeneye kujya muri banki gutonda umurongo n’iyo waba uri mu kazi ufite mudasobwa yawe wakwishyura ndetse ugahita ubona inyemezabwishyu utavuye aho uri, no ku kigo umwana yigaho bagahita babibona ko yishyuye. Ikigo bigifasha kumenya uwishyuye n’utarishyuye.”

Kwizera yavuze ko muri ibi bihe gahunda y’amasomo igiye gusubukurwa mu Rwanda, ibigo by’amashuri bikwiriye kwitabira gukoresha iyi gahunda kuko yizewe kandi ikaba yorohereza abayikoresha.

Ange Uwase, umwe mu babyeyi bakoresha ubu buryo bw’ikoranabuhanga yavuze ko bwabaruhuye.

Ati "Bidufasha kumenya amakuru y’umunyeshuri ugashobora no kwishyura ukoresheje ikoranabuhanga bitagusabye gutonda umurongo muri banki kandi ugahita ubona ako kanya ko amafaranga yageze kuri konti y’umwana wawe ndetse bibaye ko utishyuye ayuzuye bakakwereka asigaye."

Yaboneyeho gushishikariza ababyeyi gutangira gukoresha iyi serivisi y’ikoranabuhanga kuko igufasha gukurikirana imyishyurire y’amafaranga y’ishuri y’umwana mu buryo bworoshye.

Ati “Ni ryiza kuko aho uri hose rigufasha gukurikiranira hafi uburyo umwana wawe yiga n’uburyo wishyura, wamara kwishyura ukabona ko amafaranga yagezeho. Kera twajyaga twishyura bakaduha inyemezabwishyu (bordereau), wayita bikagusaba gusubirayo cyangwa kongera kwishyura andi ariko ubu kuko ari uburyo bw’ikoranabuhanga iyo wishyuye amafaranga ahita ajya kuri konti bitagusabye gutonda umurongo wakoresha mobile money cyangwa kode."

Gukoresha ‘SchoolGEAR’ ni ubuntu haba ku bigo by’amashuri n’ababyeyi bayikoresha bishyura amafaranga y’ishuri, gusa mu gihe bakoresheje Mobile money cyangwa ku umu-agent basabwa kwishyura 600 Frw ku gihembwe.

Kuva Cogebanque yakwemererwa na Banki Nkuru y’u Rwanda gukorera mu gihugu mu 1999, imaze kugira amashami 28 hirya no hino ayifasha kugeza serivisi ku bayigana.

Ifite ATM 36, aba-agents barenga 600 bayifasha gutanga serivisi zo gufunguza konti, kubitsa no kubikuza zirimo n’izifashisha ikoranabuhanga binyuze muri Internet Banking, Mobile Banking (*505# cyangwa Coge mBank), SchoolGEAR, ikarita Smart cash, ikarita ya SafariBus ndetse n’amakarita ya MasterCard (Debit, Credit na Prepaid) afasha abayakoresha kwishyura no kubikuza ahantu harenga miliyoni 36 ku Isi yose.

SchoolGEAR ni ikoranabuhanga rya Cogebanque rifasha kwishyura amafaranga y'ishuri hakoreshejwe ikoranabuhanga