Banki Nkuru y’u Rwanda, BNR, muri uku kwezi yahaye ikigo cya RIHA Payment System Ltd uruhushya rw’amezi atandatu rwo kugerageza uburyo bushya iki kigo cyavumbuye bwitwa ‘AuraSoft Riha Mobile Wallet’ bwo gufasha abantu guhererekanya amafaranga hifashishijwe ikoranabuhanga.
‘Riha Mobile Wallet’ ni uburyo buje bwiyongera ku bundi bwari busanzwe bukoreshwa mu Rwanda bwo guhanahana amafaranga abantu batayakozeho, mu cyerekezo Leta yihaye y’uko mu 2025 izaba yaciye ibyo kugendana amafaranga no kuyahererekanya mu ntoki, ahubwo abantu bakayahanahana hifashishijwe ikoranabuhanga.
Ubu buryo buzatangira kugeragezwa mu kwezi kw’Ugushyingo 2018, buzajya bukoreshwa hifashishijwe telefone cyangwa se utundi tumashini twabugenewe.
Ubu buryo bwa ‘Riha Mobile Wallet’ buzajya bukoreshwa hifashishijwe gukanda imibare muri telefone cyangwa se nka porogaramu ya telefoni igendanwa ivanwa kuri ‘Google Play’.
Ubugereranyije n’ubundi buryo bwari busanzwe bukoreshwa, ubu buzanye umwihariko w’uko bwo buhuriza hamwe ahantu hose waba ufite amafaranga, bityo ukaba ushobora gukura cyangwa kohereza amafaranga haba ku mabanki anyuranye mu gihugu cyangwa se hagati y’amabanki na za mobile money. Ibi bizakorwa mu buryo buhendutse kurusha uko byari bimenyerewe.
Undi mwihariko ni uko ubu buryo, uko ubukoresha buzajya bumenya uko ukoresha amafaranga yawe n’ibyo ukunze kuyakoresha, bityo bukakugira inama z’uko wayacunga neza kurushaho, uko wakwizigamira, n’aho wagurira ibihendutse kurusha ahandi mu byo ukunda kugura wifashishije ubu buryo.
Alain Ndayishimiye uyobora ikigo cya AuraSoft, avuga akamaro k’ibi agira ati “tuzakora ku buryo umuntu wese uzaba ufite iyo porogaramu yacu muri telefone ye azajya abona ubutumwa bumubwira ko ahantu ageze muri metero 200 hari wenda resitora, cyangwa iduka runaka, cyangwa se ko igicuruzwa runaka kiri aho cyagabanyirijwe igiciro hagendewe ku byo akunda.”
Kohererezanya amafaranga wifashishije ubu buryo bwa ‘Riha Mobile Wallet’ bizajya bikorwa ku buntu. Umuntu azajya aba ashobora gukoresha ‘Wallet’ ye akoherereza undi amafaranga kuri mobile money, kuri konti ya banki cyangwa se ku bundi buryo bwakira amafaranga.
Agira ati “Umuntu najya akoherereza amafaranga kuri ‘Wallet’ yawe ayo mafaranga azajya ahita akugeraho kuko ni ubuntu, bizajya biba ari ‘system’ imwe.”
Ku bacuruzi, ibafasha gukusanya amakuru yerekeranye n’abakiliya babagana, bityo n’ibicuruzwa na serivisi zabo zigashyirwaho bigendanye n’ibyo bifuza.
Abacuruzi bizewe bazajya banahabwa ibikoresho by’ikoranabuhanga nka telefone ndetse n’utumashini tuzwi nka ‘PoS’ tuzajya tubafasha mu bijyanye n’ubucuruzi no kwegera abakiliya babagana.
Iki kigo cya Riha Payment System Ltd nicyo kibaye ikigo gihawe bwa mbere uru ruhushya na Banki Nkuru y’u Rwanda, nyuma y’aho hashyiriweho amabwiriza rusange mashya N° 05/2018 yo ku wa 27/03/2018 ya Banki Nkuru y’u Rwanda agenga abatanga serivisi zo kwishyurana.
Mu ngingo ya 27 y’aya mabwiriza havugwa iby’igeragezwa rya serivisi nshya (Sandbox), hagenwa ko umuntu wese wifuza guhanga udushya mu bikorwa cyangwa muri serivisi zo kwishyurana ariko ibyo bikorwa cyangwa serivisi bikaba bidahuje neza na kimwe mu bikorwa cyangwa imwe muri serivisi zige nzurwa na Banki Nkuru y’u Rwanda.
BNR ikomeza gushishikariza abanyarwanda kurushaho gukoresha ikoranabuhanga mu guhanahana amafaranga, aho mu mibare itanga inagaragaza ko abantu bakomeje ku byitabira yerekana ko mu mwaka ushize umubare w’abantu bakoresha ihererekanya ry’amafaranga bifashishije telefone wiyongereyeho 13%, ukava ku bantu miliyoni 2.98 ukagera ku bantu miliyoni 3.37.
Leta y’u Rwanda ifite icyerekezo cyo kugabanya ihanahana ry’amafaranga mu ntoki, abantu bakamenyera kujya bishyurana mu buryo bw’ikoranabuhanga; aho mu mpera z’umwaka wa 2024 hateganywa ko 80% by’amafaranga agize umusaruro mbube w’igihugu ‘GDP’ azajya ahererekanywa hifashishijwe ikoranabuhanga.
