Nyuma y’imyaka ibiri bavumbuye ikoranabuhanga ryo guhererekanya amafaranga nta kiguzi rigashorwamo Imari rigakomera, Patrick Muhire na Cedrick Muhoza Abanyarwanda b’abavandimwe, bageze i Silicon Valley mu Majyaruguru ya San Francisco muri Leta ya Calfornia muri USA, aho bakomereje uyu mushinga wabo umaze kugera ku gaciro ka Miliyoni eshatu z’Amadolari ya Amerika.
Muri 2015 ngo ni bwo Patrick Muhire yifuje koherereza 1000Frw mugenzi we w’umunyeshuri kuri Mobile Money ariko aza gusanga bari bumukate 200Frw kandi ntayo yari afite.
Mu kumba babagamo, we na mugenzi we Cedrick Muhoza, bashakishije icyo bakora birabayobera kuko nta bundi buryo bari bafite bwo gukoresha butari ubw’ibigo by’itumanaho nka MTN, Tigo cyangwa Airtel.
Icyo gihe, Muhire wari ufite imyaka 22 kohereza ayo mafaranga yahise abireka ariko bituma atangira kubaza no gutekereza ubundi buryo abantu bakwifashisha boherereza ababo amafaranga nta kiguzi basabwe.
Agira ati “Uku ni ko igitekerezo cya VugaPay cyatangiye. Nahise mfata icyemezo ko ngomba gukora ikoranabuhanga ryo guhererekanya amafaranga rirenze iry’ibi bigo bikorera mu Rwanda.”
Muhire na Muhoza bakirangiza amashuri yisumbuye bahise batangira gushakisha kuri Google kode zabafasha guhindura inzozi zabo impamo.
Muhire, ni we wazanye icyo gitekerezo, yifashishije ubuhanga yari asanganywe mu ikoranabuhanga yari yarize mu ishuri, afatanya n’umuvandimwe we, ibyari inzozi babihindura impamo.
Iyi App yaje kugeragezwa ku bakiriya 200 mu Rwanda biganjemo abanyeshuri basanga ikora neza.
Patrick Muhire ibumoso na Cedrick Muhoza bakoze app bise VUga Pay
Gusa ntiyigeze ikoreshwa kugeza muri 2015 ubwo habaga inama Transform Africa Summit (TAS) 2015, igamije kureba uko ikoranabuhanga ryarushaho kwihutisha iterambere ry’Afurika.
Muri Transform Africa 2015 yabereye i Kigali, abo bana babiri b’abavandimwe bamuritse App yabo ya VugaPay nk’agashya mu ikoranabuhanga ryo kohereza no kwakira amafaranga nta kiguzi.
Mu imurikabikorwa ry’ikoranabuhanga ryaberaga muri TAS mu kiswe ‘Meet-the-Gorilla’, VugaPay bayihisemo nk’umushinga mwiza ugaragaza agashya mu ikorabuhanga.
Aba bana bashoboye kwemeza abashoramari kubatera inkunga VugaPay igahinduka iy’ubucuruzi nyabwo.
Amir Shaikh, Umuyobozi w’ikigo Shawej and Kaenaat, Ikigo cy’Ikoranabuhanga cyo mu Israel yahise abemerera ibihumbi 20$ ariko bakajya bamuha 10% by’imigabane kandi agahabwa 5% kuri buri serivisi batanze.
Umwaka ushize, aba bavandimwe babiri bimukiye muri Califonia muri Leta Zunze Ubumwe z’Amerika bahura n’umuherwe Tim Draper nawe wahise ashora imari mu mushinga wabo.
Ubwo bamurikaga Umushinga wabo muri Transform Africa ya 2015
Muhire agira ati “Tujya mu nama nyinshi z’ikoranabuhanga muri Silicon Valley tugahura n’abahanga mu ikoranabuhanga bakora ama-app bo muri Google na Facebook. Uyu mwaka twitabiriye iy’ibihangange bikorera Facebook ama-apps.”
Silicon Valley ni agace ko mu Majyaruguru y’Umujyi wa San Francisco muri USA, kateye imbere mu ikoranabuhanga cyane cyane mu bijyanye no gukora Apps.
Kugeza ubu, VugaPay imaze kugera ku gaciro ka miliyoni eshatu z’Amadorari y’Amerika, abo bana bakaba bayifitemo imigabane 80% naho isigaye ikagabanwa n’umuherwe Tim Draper n’abandi bashoramari.
Muhire akomeza agira ati “Tugira akazi kenshi cyane ku munsi kuko dukoresha igihe kinini mu gukora amakode no guhura n’abafatanyabikorwa b’ibihangange.”
Aba bana bavuga ko ubuzima bwabo bwa buri munsi amasaha y’akazi aba yuzuyemo inama z’ubucuruzi, amahugurwa no gukora amakode afasha mu kohererezanya amafaranga ku bakiliya babo babarirwa mu bihumbi 10, mu gihe bafite abakozi umunani gusa babafasha.
Iri koranabuhanga aba bana bakoze rifasha mu kohererezanya amafaranga hifashishijwe amakarita ya banki kuri murandasi, terefone zigendanwa n’icyitwa Bitcoin.
Bavuga ko amafaranga anyura kuri VugaPay buri kwezi abarirwa hagati y’ibihumbi 35 na 50 by’amadorari. Muri 2016, ngo abakiriya bayifashishije babarirwa muri miliyoni eshanu.
Kugeza mu Ukuboza 2016, VugaPay yakoreshwaga mu bihugu 40 ifasha abantu kohererazanya amafaranga kuri telephone zigendanwa mu bihugu nk’u Rwanda, Kenya, Uganda, Niger, Malawi, DR Congo, Ghana, Tanzaniya no muri Zambiya.
Muhire ati “Abenshi mu bakiliya bacu ni abantu baba muri Amerika baba bashaka koherereza benewabo amafaranga .
Ubucuruzi bwacu buhagaze neza kandi nta gahunda dufite yo kugira abo tubwegurira, kuko dufitanye amasezerano ahoraho n’abafatanyabikorwa bacu.”
Akomeza agira ati “Ariko tunafite amakuru meza ko mu minsi mike dushobora gusinya kontaro ya miliyoni imwe y’Amadorari.”
VugaPay kugeza ubu, ni ryo koranabuhanga rinini ry’Abanyarwanda mu guhererekanya amafaranga muri Apps 14 zagaragaye mu nama ya SpeedUP zirimo gutangira muri Africa.
Umuherwe Tim Draper akaba yarashoyemo imari muri Apps umunani muri zo.
Mu zo yashoyemo imari twavuga nka VugaPay, Tress, Swiftly, Planete Sports, VeriCampus, DropBuddies, Nurlux na Trendingshow.
Muhire, umwe mu bashinze VugaPay, agira inama urubyiruko rwo mu Rwanda yo kuva mu ndoto rugakora bafatiye urugero ku buryo batangijemo VugaPay.
Mu nama ya Transform Africa ya gatatu irimo kubera i Kigali kuva ku wa 10-11Gicurasi 2017, biteganijwe ko haza gutoranywa utundi dushya mu ikoranabuhanga binyuze n’ubundi mu kiswe ‘Meet-the-Gorilla’.
Source : KT
