Ese kwiyongera kw’ abakoresha Mobile Money bizabangamira za ATM ?

Hashize igihe kinini hakoreshwa imashini za ATMs (Automated Teller Machines) mugutanga serivisi zo kubitsa no kubikuza amafaranga igihe cyose umuntu abishakiye kandi aho ari hose iyo hari icyuma cya ATM.

Kuva mubakora ubuhinzi, abize, abanyamahanga, gutunga ikarita ya ATM yabaye kimomo kandi bose barayikoresha cyane kandi ikabafasha cyane mugihe cyose bacyeneye amafaranga. Abacuruzi nabo kandi banogewe naya makarita cyane kuko abakiriya ntibibagora kubona amafaranga kuko bayabona hafi hari icyuma cya ATM mugihe bacyeneye kugira icyo bagura.

Muriyi myaka ishize, u RWANDA rwagize iterambere ryihuse cyane murwego rw’ imari ishingiye kuri serivisi zitangwa muburyo bugendanwa(mobile financial services), byumwihariko kuri serivisi zitangwa hashingiwe kubikorwa remezo by’ itumanaho bitangwa n’ ibigo bya MTN, Airtel na Tigo. Uyu muvuduko wa serivisi zitangwa muburyo bugendanwa(mobile) ugenda ucira amarenga amabanki atanga serivisi zo kubitsa no kubikuza kuko byagiye bituma isoko(abagana za banki) rigabanuka cyane ugereranije nuko byari bimeze mbere.

Ikibazo cyatangiye kugaragara. Ubu amakompanyi ya Airtel na Tigo Rwanda zatangiye gukorana n’ ibigo by’ imari iciriritse kugirango bifashe abakiriya b’ ibyo bigo kubasha kubikuza. Ibi kubera ukuntu byakunzwe ntagushidikanya bigabanya ubushake bw’ abakiriya mukwirirwa bajya gusaba amakarita yo kubikuza hakoreshejwe ATM cyane ko izo karita zinagurishwa.

Cyakora ukwamamara kwa serivisi za mobile money ntikuzagira icyo guhungabanya kuzindi zerivisi zitangwa na za banki kuko isoko ry’ abakiriya ryagabanutse gusa mubijyanye no kubitsa no kubikuza. Ikindi kandi banki nazo zabonye icyo kibazo zitangira guhuza(integration) imikorere yazo na serivisi zitangwa n’ ibigo by’ itumanaho hakoreshejwe serivise zigendanwa.

Kugezubu banki nka - Bank of Kigali, KCB BANK Rwanda, Zigama CSS, I&M Bank na GT Bank zagiye zihuza(integration) imikorere yazo n’ imikorere y’ ibigo by’ itumanaho. Ibi abahanga babibonamo nkuburyo bwo kwirwanaho kwa za banki murwego rwo kugirango zikomeze guhatana kw’ isoko ry’ imari.

Nkuko tubicyesha ikinyamakuru newtimes cyaganiriye na Bwana Maurice Toroitich, umuyobozi wa KCB Bank Rwanda, uyu muyobozi abona ahazaza h’ imari mundorerwamo yuko serivisi nyinshi zishoboka zizajya zikorwa hifashishijwe za telefoni zigendanwa, ibi bikazagabanya ikoreshwa ry’ amakarita y’ ikoranabuhanga atangwa na za banki harimo za ATMs n’ izindi.

Nkuko Toroitich yabitangaje « Uko bimeze nuko mugihe kizaza ikarita yo kubikuza itazaba igicyenewe ... Cyakora akamaro kiyi karita yo kubikuza karenze cyane kubikuza kuko iyo uyifite ushobora kugurira ibintu kuri interineti ndetse nahandi hantu hose hagiye hemerwa kwishyurwa hakoreshejwe iyo karita. »

Yakomeje agira ati : « Urebye muminsi irimbere, ahantu honyine iyo karita izajya ikoreshwa hazaba ari kubyuma bya ATM kuberako no kugura ibintu kuri interineti bishobora kuzatangira gukoresha serivisi yo kwisyura hakoreshejwe uburyo bugendanwa(mobile payment systems) »

Ese ibi ntibyaba ari intangiriro y’ iherezo ry’ ikoreshwa rya ATM ?

Nkuko ibyavuye mw’ ibarurishamibare ryakozwe na banki nkuru y’ urwanda ribigaragaza, guhuza imikorere(integration) hagati ya za banki nibindi bigo bitanga serivisi z’ imari byifashishije itumanaho, byatangiye kugabanya ikoreshwa ry’ amakarita y’ ikoranabuhanga mu Rwanda.

Iyo mibare yagaragaje ko mumezi atatu yambere y’ umwaka wa 2015, umubare w’ ibyakozwe(transactions) hakoreshejwe ATMs wagabanutse cyane kugigeranyo cya gatanu kwijana ugereranije nuko byari bimeze mumwaka wa 2014, aho ibyakozwe(transactions) byavuye kuri miliyoni 1.85 mumpera z’ ukwezi kwa gatatu kwa 2014 bikagera kuri miliyoni 1.77 kugeza mukwa gatatu kwa 2015.

Kurundi ruhande, ikoreshwa rya serivisi zitangwa hifashishijwe uburyo bugendanwa rikomeje gukura no gukundwa cyane. Ibi bigaragazwa n’ ingano y’ ubwiyongere bw’umubare w’ ibyakozwe hifashishijwe ubwo buryo, aho byiyongereye kuva kuri miliyoni 20 mukwa gatatu kwa 2014 bikagera kuri miliyoni 35.1 muri 2015. Ibi nukuvuga ko habayeho ubwiyongere kukigero cy’ ijana na makumyabiri na kabiri kw’ ijana, biva kuri miliyoni 115.7 bigera kuri miliyo 257.4 muri icyo gihe twavuze haruguru.

Nubwo imibare itagaragaza neza uko ihuzwa za serivisi za banki niz’ itangwa muburyo bugendanwa bushingiye kw’ itumanaho, bishobora byarafashije mukwiyongera kwiyo mibare, biragaragara ko ikoreshwa rya mobile money ryihuta cyane ugereranije nuwikoreshwa ry’ amakarita yandi y’ ikoranabuhanga.

Kurubu abanyarwanda barenga miliyoni 6.4 bafite konti muri mobile money, ibi bigaragaza ikinyuranyo kinini cyane ugereranije n’ abakoresha za banki cg abafite za konti muri banki.

Nonone abahanga bagaragaza ko izo serivisi zo mubwoko bwombi zose zizakomeza gukoreshwa aho ubwishyu buzaba busaba amafaranga menshi bigaragara ko bushobora kuzajya bukoresha amakarita y’ ikorananabuhanga naho ubwishyu buringaniye mumafaranga bugakorwa hakoreshejwe mobile money.

Ese umuntu yahitamo gukoresha ATM cg mobile money ?

Abanyarwanda benshi babonako mobile money ariyo iborohera, ariko nanone bose ntibasobanukirwa ibindi wakoresha ubwo buryo.

Umubare munini w’ abakoresha mobile money baziko icyo ikoreshwa ari kohereza no kwacyira amafaranga wohererejwe, kugura ikarita yo guhamagara, kwishyura umuriro, cg kwishyura amazi. Nyuma yizi serivise abanshi ntibazi ko ushobora kubitsa amafaranga kuri konti yawe yo muri banki cg ukaba wanayabikuza ukoresheje mobile money.

habijean2020@yahoo.fr

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