Abanyarwanda benshi baragenda bareka kugendana inoti n’ibikoroto bagakoresha uburyo bugezweho bw’ikoranabuhanga budasaba kugendana amafaranga mu ntoki; kuri ubu ikoranabuhanga riratuma abantu bagendana amafaranga yabo ku makarita yabugenewe cyangwa telefoni zigendanwa.

Icyegeranyo cyakozwe na Minisiteri y’Urubyiruko n’ikoranabuhanga (MYICT) kigaragaza ko abantu bishyura bakoresheje telefoni zigendanwa biyongereyeho 43% mu gihe cy’umwaka umwe gusa hagati ya 2013 na 2014.

Ibigo by’itumanaho rya telefoni zigendanwa byashyizeho uburyo bworohereza ababigana kohereza, kwakira, kubitsa, kubikuza no kwishyura serivisi zimwe na zimwe bakoresheje telefoni zabo. MTN ari nayo yageze mu Rwanda bwa mbere yashyizeho MTN Mobile Money, Tigo yaje iyikurikira ishyiraho Tigo Cash naho Airtel ishyiraho Airtel Money.

Aho ari hose mu Rwanda hari MTN Mobine Money

Mu Kuboza kwa 2013 abakoreshaga telefoni zigendanwa mu bijyanye n’ amafaranga bari bamaze kuba 2,538,651 ugereranyije n’uko banganaga mu 2012 biyongereyeho 1,098,110 mu gihe cy’amezi cumi n’abiri gusa.

Abantu basigaye bashobora kwishyura ama “unites” ya telefoni bagura umuriro w’amashanyarazi cyangwa bishyura ibindi bitandukanye.

Ibi byatumye umubare w’ibikorwa bijyanye n’amafaranga bikorerwa kuri telefoni ngendanwa bibarirwa muri miliyoni 54 mu mwaka wa 2013 wonyine.

Amafaranga yari amaze guhererekanywa hakoreshejwe telefoni ngendanwa mu Kuboza 2013, yarengaga miliyari 330.

Iri terambere rinaterwa n’uko abenshi basigaye bakoresha amakarita agendanwa ya ATM; aho kugendana imishandiko y’amafaranga mu ntoki. Imibare ya MYICT igaragaza ko amafaranga yakoreshejwe ku byuma byakira amakarita ya ATM yavuye kuri miliyari 8.5 muri 2012 agashyika miliyari 18 z’amafaranga y’u Rwanda muri 2013.

Imashini za ATM zirinda abantu kugendana umushandiko w'amafaranga

Banki Nkuru y’Igihugu (BNR) ivuga ko kuva muri Kamena 2013 kugeza muri Kamena 2014 ATM ziyongereyeho 21% ziva kuri 440.875 zigera kuri 532.157 naho amaduka yacuruzaga akoresheje ikoranabuhanga yazamutseho 90% mu gihembwe cya mbere cya 2014.

Kugirango ibi bigerweho, Guverinoma y’u Rwanda yagiye yifashisha amabanki, ibigo by’itumanaho n’ibigo bikora amakarita abikwaho amafaranga nka Visa Rwanda na Rswitch. Ibi bigo byubatse uburyo bwo kwishyura, bagabanya kandi banirinda ubujura n’ubutekamutwe bwakorerwaga abaturage.

Hatagize igihinduka, Abanyarwanda miliyoni 1.4 bazaba bakoresha ATM muri 2017. Usibye kubika no kubikuza amafaranga binyuze mu makarita, ikigo gitwara abagenzi mu Mujyi wa Kigali, KBS cyatangije uburyo bushya bwo kwishyura amafaranga y’ingendo binyuze mu makarita ya “Twende” kandi amasoko agezweho atandukanye yatangije uburyo abakiriya bishyura nta noti cyangwa ibikoroto batanze bwa Visa.

Ibikorwa remezo byorohereza abantu kwishyura badakoresheje ibikoroto

Ibikorwa remezo bikoresha ikoranabuhanga rigezweho byatumye kutagendana amafaranga mu mufuka bitera imbere kurushaho.

Mu ntangiriro za 2013 Ikigo cy’ikoranabuhanga ry’amakarita ya ATM; RSwitch cyari kimaze gutanga amakarita ya ATM ibihumbi 300, kimaze no kubaka ibyuma byazo 250 hirya no hino mu gihugu. Iki kigo cyanahaye ibigo by’ubucuruzi birenga 500 ikoranabuhanga ryo kugenzura imari rya “POS”.

Iri koranabuhanga rya POS rikoreshwa habarwa amafaranga yinjira n’asohoka mu kigo runaka ryateye imbere cyane mu mwaka wa 2013; imibare igaragaza ko amafaranga yabazwe n’iri koranabuhanga yavuye kuri miliyari 8.5 mu 2012 agashyika kuri miliyari 18 mu mpera za 2013.

Ubucuruzi bukorerwa kuri internet buracyari hasi gusa buratanga icyizere nubwo imbuga zorohereza abishyura zikiri nkeya.

Sosiyete nyarwanda ikora ingendo zo mu kirere, Rwandair yatangiye kwemerera abishyura serivisi zayo hakoreshejwe internet muri 2011 ndetse Ikigo cy’Igihugu cy’Imisoro n’Amahoro RRA, gitangira gahunda yo kwishyura imisoro hakoreshejwe internet; bashyizeho uburyo bwo kumenya amakuru ajyanye n’imisoro binyuze mu butumwa bugufi.

Amabanki atandukanye yashyizeho uburyo bwo kubitsa no kubikuza binyuze kuri telefoni ngendanwa. KCB yorohereje abakiriya bayo kubitsa no kubikuza bakoresheje Tigo Cash, naho Banki y’Abaturage yemerera abayigana gukora ibikorwa bijyanye n’amafaranga bakoresheje MTN Mobile Money.

Kohereza cyangwa kwakira amafaranga kuri TIGO Cash

Abaturage bishimiye kutagendana amafaranga mu mufuka

Mukakimenyi Annonciata ategereje ko mugenzi we arangiza gukoresha icyuma cya ATM, kandi asa nk’uwihuta cyane. Nyamara mu myaka ibiri ishize, uyu mucuruzikazi uvuga ko agenda atera imbere byihuse, kuko kera yagendanaga umushandiko wa miliyoni ebyiri mu isakoshi kandi kuyabitsa muri banki ntacyo bimubwiye kabone nubwo yabaga afite ubwoba ko barayamwiba.

Aganira na IGIHE, Mukakimenyi yavuze ko ubu agendana umutekano usesuye kuko amafaranga ye yose aba abitse muri banki agashobora kwishyura akoresheje sheki cyangwa internet.

Ati “Amafaranga nayabikaga mu isanduku nkashyiraho ingufuri, nahoranaga impungenge ko benengango bazantera bakancucura ariko aka gakarita ngendana gato cyane gatuma nshobora kubikuza amafaranga yose nshaka n’igihe nyashakiye kandi ntihagire umenya ko ngendana imari itubutse.”

Muri uyu mwaka, Perezida Paul Kagame yahawe igihembo ko yateje imbere ikoranabuhanga mu gihugu. Kuba Abanyarwanda benshi batakibika imari yabo mu nzu, kandi mu myaka mike ishize barabikaga amafaranga munsi y’umusego bagahura n’imbogamizi zirimo no kwibwa ni kimwe mu bigaragaza ko Leta y’u Rwanda yakoze byinshi ihindura imyumvire y’abatarakozwaga iby’ikoranabuhanga.