Inyungu iri mu guhuza  Airtel Money na MTN Mobile Money

Sangiza abandi

Hashize iminsi mike sosiyete y’itumanaho ya Airtel Rwanda n’iya Mobile Money Rwanda Ltd bihuuje imikoranire ku buryo umuntu ukoresha umwe muri iyi mirongo ashobora koherereza uwo ku wundi amafaranga, ibintu bitakundaga mbere.

Kuwa 26 Gicurasi 2022 nibwo hamuritswe ku mugaragaro ubu buryo bushya bwo kohererezanya amafaranga hagati y’abakoresha Airtel Money na Mobile Money kandi nyamara ibi ari ibigo byari bisanzwe bihanganiye abakiriya.

Ubu buryo bwiswe eKash, buha umuntu ukoresha Airtel Money ubushobozi bwo koherereza amafaranga mugenzi we ukoresha MTN Mobile Money kandi acibwe amafaranga angana n’ayo yari gucibwa iyo yoherereza mugenzi we basangiye umurongo w’itumanaho.

Ibi bikorwa byo kohererezanya amafaranga hagati y’abakoresha iyi mirongo ibiri y’itumanaho bazajya bigenzurwa n’Ikigo gitanga serivisi zo guhererekanya amafaranga hifashishijwe ikoranabuhanga, RSwitch ndetse na Banki Nkuru y’Igihugu.

Umuyobozi wa Airtel Mobile Commerce, Jean Claude Gaga aherutse gutangaza ko iyi mikoranire igizweho nyuma y’imyaka isaga itatu y’ibiganiro n’inama zahuzaga impande zombi kandi ko byakozwe mu rwego rwo guhaza ibyifuzo by’abakiliya.

Ati “Byasabye ibiganiro by’impande zitandukanye, inama nyinshi n’amahugurwa, aho twafashe umwanzuro wo kuvuga ngo twese duhangana kubera umukiliya umwe, twasanze tugomba guhangana ku bindi ariko bitari iby’ibanze.”

“Icyo twemeje ni ukujya ku muhuza wa twese ariwe R-switch, iki kigo nacyo kigenzurwa na Banki Nkuru y’u Rwanda nk’uko bimeze no kuri twe, icya kabiri byadusabye guhuriza hamwe abafatanyabikorwa bacu. Ibi ni ibintu byamaze igihe nibura kiri hejuru y’imyaka itatu.”

Kugira ngo wemererwe gukoresha izi serivisi, bisaba kubanza kwiyandikisha aho wemera amategeko n’amabwiriza yashyizweho n’umuyoboro ukoresha ukanda *182*11# ubundi ugakurikiza amabwiriza.

Igihe umaze kwiyandikisha ushaka gutangira kohereza amafaranga ukanda *182*1*2# ugakurikiza amabwiriza.

Umuyobozi wa Mobile Money, Chantal Kagame yavuze eKash atari amahirwe bahaye Abanyarwanda ahubwo ari uburenganzira bwabo.

Abakoresha iyi mirongo bemeza ko kuba byahuje bigiye kuborohera cyane ko muri Kigali byagoranaga kubona umuntu ukoresha Airtel Money nkuko Singirankabo yabigarutseho.

Ati “Hari igihe umuntu yabaga afite amafaranga kuri Airtel Money ukabura neza icyo wayamaza hano mu mujyi wa Kigali, kuko benshi bakoresha Mtn Mobile Money. Kuba byahujwe bizadufasha cyane.”

Umwe mu aba-agent ba MTN utashatse gutangaza imyirondoro ye yavuze ko mbere hariho ihangana hagati y’ibi bigo bibiri ku buryo byagoranaga ko umuntu abikorera byombi ariko yizera ko bigiye kujya ku murongo bakaba bakagura n’ishoramari.

Ati “Byagorana kumva uburyo ibi bigo byahanganagamo, uziko wasangaga umu-agent wa MTN atemerewe gucuruza Airtel Money. Kuba byahuje biratuma twagura n’ishoramari ryacu rwose.”

U Rwanda rutangiye gushyira imbaraga mu bikorwa byo kwishyurana no kugura ibintu bitandukanye hakoreshejwe ikoranabuhanga aho guhererekanya amafaranga ku ntoki kandi imibare ya Banki Nkuru y’Igihugu, BNR igaragaza ko iyi nzira shya igenda irushaho gucengera mu baturage uko imyaka iza indi igataha.

Iyi banki igaragaza ko agaciro k’ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga ugereranije n’Umusaruro mbumbe w’Igihugu (GDP) mu 2021 kageze kuri 95,5% kavuye kuri 57.6% muri Kamena 2020.

Impuguke mu bukungu zigaragaza ko kuba aba bantu bakoresha ikoranabuhanga rya ‘Mobile Money’ batabashaga kohererezanya amafaranga muri gihe umwe akoresha Airtel Rwanda undi agakoresha Airtel Rwanda byari inzitizi ku bukungu.

Uyu munsi umuntu ukoresha MTN Mobile Money yashoboraga kubitsa cyangwa akabikuza kuri konti ye yo muri banki, ndetse akishyura ibicuruzwa bitandukanye akoresheje telefoni, bivuze ko iby’ibanze akenera mu buzima yashoboraga kubigura bitabaye ngombwa ko afata amafaranga mu ntoki.

Inzitizi zavukaga igihe yashakaga koherereza amafaranga umuvandimwe we ukoresha Airtel Money amafaranga ndetse bikaba intandaro yo gutandukira muri uru rugendo rwa ‘Cashless’ kuko byamusabaga kubanza kubikuza aya mafaranga afite kuri telefone akayamushyikiriza mu ntoki cyangwa akayohereza binyuze k’umu-agent wa Airtel Money ariko yabanje kuyabikuza.

Inzobere mu bukungu, zigaragaza rero ko kuba iki cyemezo cyo guhuza imirongo yombi kije mu gihe cyiza kandi cyitezweho inyungu nyinshi zirimo no gukomeza gushimangira gahunda u Rwanda rwihaye rwo kwimakaza ubukungu aho amafaranga ahererekanwa hakoreshejwe ikoranabuhanga.

Abahanga bagaragaza kandi ko bizongera abakoresha ikoranabuhanga mu bikorwa byo guhererekanya amafaranga cyane ko nta n’icyahindutse mu biciro. Kandi umubare w’abakoresha iryo koranabuhanga niwiyongera ibi bigo bizarushaho kugira umubare w’amafaranga menshi ahererekanywa byunguke ndetse n’abakiliya bunguke kuko bazaba boroherejwe.

Raporo ya BNR y’ibikorwa byo mu 2021 igaragaza ko ikigereranyo cy’ingano y’ibyishyuwe n’umuturage umwe hakoreshejwe ikoranabuhanga cyageze kuri 81,1% kivuye kuri 47,4% muri Kamena 2020.

Umubare w’abakoresha telefoni mu kwishyurana mu buryo buhoraho nawo wiyongereyaho 25% uva ku bantu 4,915,320 muri Kamena 2020 ugera ku bantu 6,129,624 muri Kamena 2021.

Umubare w’ibikorwa byo kwishyurana hakoreshejwe telefoni byiyongereye ku kigero cya 42% biva kuri 299,013,452 muri Kamena 2020 bigera kuri 424,792,238 muri Kamena 2021.

Kugeza ubu umubare w’abakoresheje serivisi za banki hifashishijwe telefoni wiyongereyeho 13% bava kuri 2,604,052 mu gice cya mbere cy’umwaka wa 2020 bagera kuri 2,951,186 mu gice cya mbere cy’umwaka wa 2021. Mu gihe agaciro k’ibikorwa kiyongereyeho 98% kava kuri miliyari 105.8 Frw kagera kuri miliyari 209.8 Frw.

TANGA IGITEKEREZO

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