Uburyo bwa Momo Pay, bwatekerejweho mu rwego rwo koroshya ihererekanya ry’amafaranga hagati y’ugura n’ugurisha. Uwohereje amafaranga akoresheje Momo Pay nta kiguzi acibwa, uretse ko uwakiriye we acibwa amafaranga make ya serivisi

Ni igiciro gito ugereranyije n’uburyo bwo kohererezanya amafaranga kuri Mobile Money, kuko ho usanga uyohereje acibwa amafaranga ndetse n’uwohererejwe akazayacibwa agiye kuyabikuza bitandukanye no gukoresha Momo Pay.

Nubwo bimeze bityo ariko bamwe mu bacuruzi usanga batarumva neza ikoreshwa rya Momo Pay, ibintu bikomeje gukoma mu nkokora gahunda ya ‘Cashless’ mu bucuruzi.

Bamwe mu bacuruzi baganiriye na IGIHE, bagaragaje ko bahisemo kongera gusubira ku buryo busanzwe mu kwishyurana bakoresha nimero za telefoni kubera ko bacibwaga 0,5% iyo bakoresheje Momo Pay mu gihe bohererejwe arenga 4000.

Siborurema Onesphore ati “Ubu buryo bwa Momo Pay ni bwiza, ariko amafaranga badukata ni menshi ku buryo usanga ibyo ucuruje uri kugwa mu bihombo. Nk’ubu badukata 0,5% iyo umukiliya akoherereje arenze 4000, urumva ko atari amafaranga make kuri twebwe.”

Undi mucuruzi yagaragaje ko inyungu yabo usanga ishirira muri ayo mafaranga bakatwa bityo ko batakomeza gukorera mu gihombo akaba ari yo mpamvu bahitamo gukoresha nimero aho kuba kode.

Nubwo abacuruzi bavuga ko bahuraga n’igihombo iteka iyo bakoreshaga MoMo Pay, abaguzi bo bavuga ko icyo gihombo cyikubye kabiri kuri bo.

Hari ubwo umuguzi ashobora kugurira abacuruzi barenga batanu, mu gihe kimwe bose iyo batamuhaye kode biba bimuhombeje amafaranga atagira ingano cyangwa akaba yahitamo gukoresha amafaranga mu ntoki kubera kunanizwa.

Ikindi ariko kinakomeye ni uko usanga hari abacuruzi basaba umuguzi kurenzaho amafaranga yo kubikuza.

Niba umuntu aguze ikintu cya 13000 Frw, ugasabwa kurenzaho ayo kuyabikuza, urenzaho 350 Frw kandi unacibwe 250 Frw yo kohereza bivuze ko 600 Frw aba yiyongereye ku giciro kandi bitari bikwiye.

Uguze igifite agaciro ka 30000 Frw asabwa kurenzaho 600 Frw akanakatwa 250 Frw mu gihe uwaguze ikintu gifite agaciro kari hagati ya 41000 Frw kugera kuri 75000 Frw yasabwa kurenzaho 1100 Frw.

Ni ibintu bihendesha abaguzi ari nayo mpamvu basaba ko byagenzurwa, bakarengerwa.

Umuyobozi wa MTN Mobile Money Ltd, Chantal Umutoni Kagame, mu 2021 yabwiye IGIHE ko abakoresha serivisi za MoMo Pay ko bakwiye kumva neza 0,5% ya serivisi ku wishyuye hejuru ya 4000 Frw atari menshi.

Ati “Igiciro twabaciye, iyo tuza kubihuza n’ikiguzi cya serivisi tubaha twari guca amafaranga arenze ayo. Ariko turashaka kwizeza abakiliya bacu ko tuzakomeza gukorana neza no kubafasha mu gihe cyose bakeneye ubufasha mu rwego rwo kunoza serivisi ya MoMoPay."

Mu gihe umuguzi yishyuye amafaranga angana 5000 Frw, ikiguzi kiba ari 25 Frw kuko hakurwaho 0,5 % by’ayo yishyuwe ariko uwishyuwe 4000 Frw kumanura ntayo acibwa.

Minisitiri w’Ubucuruzi n’Inganda, Sebahizi Prudence, yabwiye IGIHE ko u Rwanda rushyize imbere uburyo bwo gukoresha ikoranabuhanga mu guhererekanya amafaranga, asaba abacuruzi kudasubiza inyuma iyo gahunda.

Ati “Abacuruzi ni bo twakagombye kuba dushishikariza, ariko kandi ni nabo bafite inyungu muri ubu buryo bwa Cashless. Abacuruzi benshi ntabwo ari bo bikorera baba bafite abakozi.”

“Iyo kwishyurana bikorwa Cashless ushobora kubona ibikorwa byakozwe, ukamenya umuntu wishyuye kuri Kode kuko amafaranga ahita ajya kuri nyir’ishoramari, ariko ayishyuwe mu ntoki ashobora kugarukira ku mukozi.”

Yavuze ko abanga gukoresha Momo Pay bitwaje ko bakatwa amafaranga baba birengagije igihe bashoboraga gutakaza bagiye kuri banki kubikuza.

Ati “Kuvuga ngo umuntu yohereje amafaranga baramukata icyo ntabwo njya nemeranya nabo. Uyu munsi iyo usubiye mu buryo twagenderagamo kera, wakeneraga amafaranga ukajya kuri banki.”

“Wagerayo ugatonda umurongo ku buryo wasangaga ugiye kubikuza bishobora kumutwara igice cy’umunsi kugira ngo abone amafaranga. Icyo gihe watakazaga ugiye kuzana amafaranga ukigereranyije n’ayo baguca wishyuwe kuri kode, ntabwo wabigereranya ahubwo ni abantu baba badashaka kubyumva.”

Minisitiri Sebahizi yagaragaje ko kuri ubu hari gutezwa imbere ubucuruzi bukorerwa kuri murandasi kandi buzateza imbere uburyo bwo guhererekanya amafaranga hakoreshejwe ikoranabuhanga.

Yavuze ko hagiye gukorwa isuzuma ryo kugenzura aho igihugu kigeze mu gukoresha uburyo bwa Cashless, asaba abacuruzi kumva ko ubwo buryo atari ikintu umuntu yavuga ko azihisha ngo bimuhire.

Ati “Ntabwo ari ibintu uvuga ngo wabyihisha, ahubwo ni ikintu umuntu uzamenyera mbere y’igihe akabyimenyereza ni we bizagiraho ingaruka nziza.”

Iyo ugeze mu masoko ari hirya no hino mu gihugu, abacuruzi basaba ko bishyurwa kuri nimero zisanzwe aho kuba kuri MoMo Pay