Ese eKash Ije Kubaka Ubukungu Bw’igihugu Cyangwa Ije Kongerera Ububasha Bwa Leta Kubaturage?

U Rwanda rwarangije kwimurira ubwishyu bwose bukorerwa imbere mu gihugu kuri eKash, urubuga rumwe rw'igihugu rwashyizweho na RSwitch rufashijwe cyane na Banki Nkuru y'u Rwanda (BNR). Leta ivuga ko ari intambwe ikomeye izihutisha urugendo rwo kugabanya ikoreshwa ry'amafaranga afatika, aho amabanki, za SACCO, ibigo by'imari iciriritse n'abatanga serivisi za Mobile Money bose bahurira ku muyoboro umwe.

Abashyigikiye uyu mushinga bavuga ko uzoroshya kohereza amafaranga, ugabanye ikiguzi cy'ubwishyu kandi ugafasha Abanyarwanda benshi kwinjira muri serivisi z'imari. Ariko inyuma y'ayo masezerano meza hari ibibazo bikomeye byo kwibazwa. Hari impungenge ko eKash ishobora gushyira ubukungu bwose bw'igihugu ku muyoboro umwe, igaha ibigo bike n'inzego za Leta ububasha bukomeye ku mafaranga y'Abanyarwanda, ikanongera uburyo ibikorwa byabo bishobora gukurikiranwa.

Ikintu cy'ingenzi kiranga eKash ni uko yahuje uburyo bwose bwari busanzwe bukoreshwa mu kwishyurana ikabushyira ku muyoboro umwe. Ibi byoroshya ubwishyu, ariko nanone bisobanura ko ikibazo kimwe gusa gishobora guhagarika igihugu cyose. Mu Rwanda haracyagaragara ibibazo by'umuriro n'umuyoboro wa internet, cyane cyane mu bice by'icyaro. Iyo habaye ikibazo kuri server, ubujura bw'ikoranabuhanga (cyberattack) cyangwa ikosa rya porogaramu, ubwishyu bwose bwo mu gihugu bushobora guhagarara icyarimwe.

Ibyo byagira ingaruka zikomeye ku baturage. Abaguzi bashobora kubura uburyo bwo kugura ibyo bakeneye, abadandaza ntibabashe kwakira amafaranga, ibigo bitinde kwishyurana, maze ibikorwa by'ubucuruzi bigahagarara kugeza ikibazo gikemutse. Mu gihe ubundi uburyo butandukanye bwo kwishyurana bwagabanyaga ibyago, ubu byose byegeranyijwe ku muyoboro umwe.

Ingaruka z'ibi zigaragara cyane mu cyaro, aho ubuzima bwa buri munsi bushingira ku gucuruza no guhanahana amafaranga buri munsi. Abahinzi bato, amasoko n'uruhererekane rw'ubucuruzi bw'ibikomoka ku buhinzi bikora ku nyungu nto cyane. Iyo ubwishyu bwose bushingiye kuri eKash bukagira ikibazo, ubucuruzi bushobora guhagarara mu gace kose.

Urugero ni umuhinzi ucuruza amata, inyanya, imboga cyangwa marakuja. Ibyo bicuruzwa ntibishobora gutegereza iminsi myinshi. Iyo ku munsi w'isoko eKash cyangwa internet bitakoze, ashobora kubura isoko, umusaruro ukangirika, amafaranga yo kugura imbuto, ifumbire cyangwa ibiryo by'amatungo akabura. Abacuruzi bo mu cyaro na bo bafite ikibazo cy'uko imiyoboro y'itumanaho iba idakomeye nk'iyo mu mijyi kandi bakaba badafite ubundi buryo bwinshi bwo kwakira ubwishyu.

Hari n'ikindi kibazo gikunze kwirengagizwa. Mu bice byinshi by'icyaro, amaduka mato akunze kuguriza abaturage ibiribwa cyangwa ibindi bikoresho hashingiwe ku bwizerane, bakazishyura nyuma. Iyo uburyo bwo kwishyurana budakora kandi amafaranga afatika na yo amaze kugabanuka, uwo muco wo kugurizanya ushobora kugenda uzimira. Ibyo bishobora gutuma imiryango ifite amikoro make irushaho kugira ikibazo cyo kubona ibibatunga.

Uko igihugu kigenda kigabanya ikoreshwa ry'amafaranga afatika, hari n'impungenge ku kazi k'ibihumbi by'Abanyarwanda. Abakozi ba Mobile Money, abakira amafaranga mu mabanki, abatwara amafaranga n'abandi benshi babeshwagaho no guhererekanya amafaranga mu buryo busanzwe bashobora kugenda batakaza akazi uko ibikorwa byinshi birushaho gukorwa n'ikoranabuhanga.

Hari amabanki n'ibindi bigo by'imari byatangiye guhagarika uburyo bwa kera bwo kwishyurana bitewe n'amabwiriza ya Banki Nkuru. Nubwo ikoranabuhanga rishobora kongera umuvuduko n'imikorere, ntabwo haragaragajwe gahunda ifatika yo kongera guhugura cyangwa gushakira indi mirimo abazatakaza ibyo bakoraga.

Leta ivuga ko eKash izagabanya amafaranga acibwa ku bikorwa byo kohereza no kwakira amafaranga. Ariko inyungu nyinshi z'iyi gahunda zishobora kurangira zigeze ku mabanki manini, ibigo by'itumanaho n'ibigo by'ikoranabuhanga bifite ubushobozi bwo gukoresha uru rwego rushya.

Nubwo hari amafaranga make atangazwa ko acibwa kuri serivisi zimwe na zimwe, urugero nk'ikiguzi kitarenza amafaranga 20 y'u Rwanda ku bikorwa bimwe, ubwishyu bukorwa buri munsi buba ari miliyoni nyinshi. Iyo mibare yose ihurizwa hamwe itanga amafaranga menshi ku bakora uru rubuga kandi ikanatanga amakuru menshi yerekeye ubucuruzi n'ubuzima bw'Abanyarwanda. Ikindi kandi, amabanki cyangwa ibigo bya Mobile Money bishobora kongeraho andi mafaranga y'inyongera atari ayo acibwa n'umuyoboro wa eKash ubwawo.

Ku bacuruzi bato bakora ubwishyu bwinshi bw'amafaranga make buri munsi, n'ayo mafaranga make ashobora kugabanya inyungu zabo zisanzwe ari nto. Hari n'ikiguzi cyo kugura telefoni zigezweho, internet, ibikoresho byo kwakira ubwishyu n'izindi serivisi zisabwa kugira ngo umuntu abe mu bukungu bushingiye ku ikoranabuhanga.

Ibi bishobora gutuma bamwe mu bacuruzi bakomeza gukoresha amafaranga afatika cyangwa ubundi buryo butanditse kugira ngo birinde ayo mafaranga y'inyongera, bityo intego ya Leta yo kwimurira buri wese mu bukungu bw'ikoranabuhanga ntigerweho uko byari biteganyijwe.