Telefoni igendanwa isanzwe imenyerewe mu guhamagara, kohererezanya ubutumwa bugufi, kohererezanya amafaranga no kubitsa cyangwa kubikura amafaranga yabikijweho. Ubu hashyizweho uburyo bushya bwo gukoresha telefoni muri gahunda za banki, bwise mVisa aho umuntu akoresha telefoni atiriwe ajya kuri banki akorana na yo. Ubu harigwa uburyo mVisa yakoreshwa mu guhana amafaranga kuri konti mu mabanki atandukanye, hifashishijwe telefoni.
Ubu buryo bumaze gushyirwa ahagaragara Umunyamakuru wa IGIHE yashatse gushira amatsiko yegera abakoresha ubwo buryo ndetse na Banki zemeye kubukoresha hamwe n’ibigo byoherereza abagenerwabikorwa amafaranga bikoresheje mVisa.
Ginger Baker, Umuyobozi Mukuru wa Visa Rwanda, mu kiganiro na IGIHE yadutangarije ko uburyo bwa mVisa buje bwunganira ubusanzwe bukoreshwa ku matelefoni, haba mu kubitsa cyangwa kubikuza amafaranga, ariko aho bitandukaniye ni uko mVisa yo ikorana n’amabanki.
Agira ati “Mu buryo bwo guhindura Afurika, ikoranabuhanga ni kimwe mu bigomba gufata intambwe ya mbere. Ibigo bya Leta ndetse n’abikorera bagomba gufatanya mu guteza imbere ikoranabuhanga. Ni muri urwo rwego twifuje gufatanya n’abandi muri urwo rugamba, dushyiraho mVisa.”
Akomeza avuga ko mVisa ikorana n’ibigo by’imari n’amabanki 10 muri Afurika y’Iburasirazuba, mu Rwanda bakorana na BK, Urwego Opportunity Bank na I&M Bank yahoze yitwa BCR. Avuga ko hari uburyo busanzwe bukoreshwa mu kubika cyangwa kubikuza amafaranga hifashishijwe telefoni ariko mVisa ifite akarusho ko gukorana na Banki.
Atangaza kandi ko uburyo bwa telefoni busanzwe bukoreshwa bisaba kuba umuntu ari umufatabuguzi w’ikigo runaka, kandi agakorana n’abafatabuguzi bacyo gusa, ariko kuri mVisa aho ufite ifatabuguzi hose ukorana n’abandi. Atangaza kandi ko biga uburyo abantu bari muri mVisa bazajya bahana amafaranga ku makonti yabo muri banki hakoreshejwe telefoni, umufatabuguzi atiriwe ajya kuri banki.
Uburyo bwa mVisa bwitabiriwe na BK, Rugema Omer Umukozi muri BK ushinzwe gukurikirana abakorana na BK hakoreshejwe mVisa na BK yacu, mu kiganiro na IGIHE yadutangarije ko uburyo bwa mVisa bufasha abakiriya gukoresha amafaranga yabo hifashishijwe telefoni, haba kubitsa cyangwa kubikuza.
Agira ati “Ayo mafaranga afasha umuntu kugira serivisi za Banki akora yifashishije telefoni. Ukoresha mVisa ashobora kugura umuriro w’amashanyarazi, kwishyura fagitire y’amazi, guhaha mu isoko akoresheje telefoni ku buryo bwihuse, umuntu atiriwe ajya kuri banki kandi adakoze urugendo rurerure. Icyiza kandi ntibigombera kuba uhuje n’umuntu ikigo cy’itumanaho, kuko umurongo uwo ari wo wose kandi ntibisaba kuba umuntu ari umukiriya wa BK.”
Ukoresheje uburyo bwa mVisa ushobora kugurira ikarita, cyangwa se kumwoherereza amafaranga bitagombye gusaba kugura umurongo na we akoresha. Mu mezi make ubu buryo butangiye gukoreshwa, dore ko bwashyizwe ku mugaragaro muri Kamena 2013, BK imaze kugira abakiriya basaga 7000.
Ruzindaza Eric, umuyobozi w’ishami rya Pansiyo mu kigo cy’Ubwiteganyirize mu Rwanda (RSSB), mu kiganiro na IGIHE yadutangarije ko ikigo cyahisemo gukoresha mVisa kuko ari uburyo bafatanya n’amabanki, cyane cyane BK, mu guha abagenerwabikorwa ba RSSB kubona amafaranga ku buryo buboroheye.
Agira ati “Ubu buryo bufasha abo duha amafaranga ya Pansiyo, kubona amafaranga yabo badaciwe umufuragiro nk’uko bigenda muri Banki. Amafaranga Banki zica ku kwezi hari igihe usanga ari menshi ugereranyije n’ayo umugenerwabikora agomba gufata. Uburyo bwa mVisa ni kimwe mu bibazo bugomba gukemura. Ni imwe kandi mu nzira zafasha abagenerwabikorwa bacu kubegereza ibyo bagenerwa, kuko ubwo buryo bwegereye abaturage cyane kurusha banki.”
Mu rwego rwo korohereza abakoresha mVisa, hashyizweho abantu benshi bazajya batanga izo serivisi aho abaturage batuye, ku buryo batazajya bakora ingendo ndende. Ariko kandi kujya muri mVisa ni ubushake.
Umwe mu bakoresha uburyo bwa mVisa utarashatse ko amazina ye atangazwa, yadutangarije ko ubu buryo ari bwiza kuko butandukanye n’ubusanzwe bukoreshwa ku matelefoni. Agira ati “Bidufasha koherezanya amafaranga ku muntu ku murongo w’itumanaho umuntu yaba afite uwo ariwo wose.”
Uburyo bwa mVisa igihe buzaba bwahujwe na Konti abantu bafite muri Banki, bizoroha gukoresha Telefoni ukohereza amafaranga kuri konti iri mu yindi banki, iyo ariyo yose umuntu atavuye aho ari. mVisa ije isanga ubundi buryo bwo gukoresha telefoni mu kubitsa, kubikuza amafaranga wabikije cyangwa kohererezanya amafaranga ukoresheje Mobile Money ya MTN, Tigo Cash ya Tigo na Airtel Money ya Airtel ariko bwo busaba abafatabuguzi bahuje ikigo cy’itumanaho.
TANGA IGITEKEREZO