Inzobere mu by’ikoranabuhanga rikoreshwa muri serivisi z’imari zatangaje ko ba rwiyemezamirimo b’abagore mu Rwanda no bindi bihugu bataraha agaciro iryo koranabuhanga ko ari inkingi y’iterambere mu bucuruzi by’ubwihariko ubuto n’ubuciriritse.

Ibi byagarutsweho mu gihe cy’inama y’abarwiyemezamirimo bakuru muri Afurika n’abari mu nzego nkuru za Leta zifata ibyemezo (Africa CEO Forum) yateraniye i Kigali mu cyumweru gishize, aho sosiyete mpuzamahanga  mu bijyanye no kwishyurana hakoreshejwe ikoranabuhanga (VISA), yashyiraga ahagaragara raporo nshya yiswe “Privacy and Security for Women-Led SMBs in Digital Financial Services“.

Ni Raporo ishingiye ku isesengura ryakozwe ku buryo abagore bayobora ubucuruzi buto n’ubuciriritse bafata ibijyanye n’umutekano n’ibanga ry’amakuru y’ikoranabuhanga mu by’imari, ndetse n’ingaruka ibyo bigira ku cyizere bafitiye serivisi z’imari z’ikoranabuhanga, uburyo bazikoresha no gukomeza kuzikora.

Iyo nyandiko yakozwe binyuze muri gahunda ya Digital Finance for All (DFA) yo gufasha abakora ubucuruzi buto kwinjira mu gukoresha ikoranabuhanga, binyuze mu bufatanye bwa Visa n’Umuryango ushyigikira gahunda yo gukoresha ikoranabuhanga rya telefoni ngendanwa (GSMA). Yibanda ku bucuruzi buto n’ubuciriritse buyobowe n’abagore, igatanga inama zafasha abatanga serivisi z’imari z’ikoranabuhanga n’abafatanyabikorwa babo kongera icyizere cy’abakiliya, kubaha ubushobozi bwo kugenzura amakuru yabo no kubona serivisi zizewe.

Ubushakashatsi bwifashishijwe muri iyi nyandiko yakozwe ishingiye ku isesengura ryo mu bihugu byo muri Afurika yo Hagati n’iy’Iburasirazuba, Uburayi bwo Hagati n’Uburasirazuba ndetse no mu Burasirazuba bwo Hagati (CEMEA).

Raporo igaragaza ko umutekano n’ibanga ry’amakuru atari ibisabwa bya tekiniki gusa, ahubwo ari inkingi y’icyizere ishobora gutuma abagore bayobora ubucuruzi bava ku gukoresha serivisi z’ibanze nko koherezanya amafaranga, bakagera ku kwizigamira, kubona inguzanyo no gukoresha ibikoresho byafasha ubucuruzi bwabo kwaguka.

Mu byagaragajwe n’ubushakashatsi harimo ko abagore bake ari bo bumva neza uburyo amakuru yabo akoreshwa mu ikoranabuhanga. Abafite ibigo by’ubucuruzi buto n’ubuciriritse bangana na 11% gusa ni bo bavuga ko basobanukiwe neza ikoreshwa ry’amakuru yabo, mu gihe 85% bafite impungenge z’uko ayo makuru ashobora kugerwaho n’abatabifitiye uburenganzira. Ibi bituma benshi bagira amakenga ku gukoresha serivisi z’imari z’ikoranabuhanga.

Ubushakashatsi kandi bwagaragaje ko gukorera mu mucyo bifasha abakiliya gukomeza kugira icyizere aho abarenga 79% bavuga ko gusobanurirwa neza uburyo amakuru yabo akoreshwa ari ikintu gikomeye gituma bakomeza kwemera gukoresha serivisi z’ikoranabuhanga.

Iyo raporo inagaragaza ko hari icyuho hagati y’ibyo abakoresha bateganya n’uko babibona. Benshi mu bagore bayobora ubucuruzi buto n’ubuciriritse baba bateganya ko serivisi z’imari z’ikoranabuhanga zizewe kandi zoroshye gukoresha, ariko bagakomeza kuzibona nk’izifite ibyago cyangwa zidasobanutse. Ibi bituma bazikoresha ku rugero ruto, bityo ntibabone inyungu zose zabafasha guteza imbere ubucuruzi bwabo.

Raporo igaragaza kandi ko kubungabunga umutekano n’ibanga ry’amakuru ari inshingano z’impande zose zirimo abatanga serivisi, ibigo by’ikoranabuhanga mu by’imari (fintechs), amabanki, inzego zigenzura ndetse n’imiryango iharanira uburenganzira bw’abakiliya.

Umuyobozi Mukuru Wungirije wa Visa, Michael Berner ushinzwe Afurika y’Amajyepfo n’iy’Iburasirazuba, yavuze ko icyizere ari inkingi y’ubukungu bushingiye ku ikoranabuhanga. Yagize ati: “Binyuze mu bufatanye bwa Digital Finance for All na GSMA, turimo gushyigikira ibisubizo bifasha abatanga serivisi kubaka uburyo bukorera mu mucyo kandi bushyira umukoresha ku isonga.

Iyi nyandiko itanga umurongo usobanutse wafasha kunoza umutekano, ubwirinzi bw’amakuru n’uburyo bwo gukemura ibibazo kugira ngo abagore bayobora ubucuruzi bakoresheje serivisi z’imari z’ikoranabuhanga bafite icyizere.”

Umuyobozi Mukuru wa VISA mu Rwanda, Tanzania, Uganda n’u Burundi, Victor Makere, yavuze ko hashyizweho uburyo bwo gushyigikira abagore mu kwiteza imbere mu bucuruzi bwabo no kubasobanurira akamaro k’ikoranabuhanga mu by’imari.

Yagize ati: “Twatangije gahunda twise” she’s next” ni we ukurikira, aho twigisha abagore ikoranabuhanga tukabakurikirana twifashishije bagenzi babo bafite ibikorwa nk’ibyo hanyuma tukabashoramo imari tubaha amafaranga.”

Iyo nyandiko inatanga ibitekerezo bifatika birimo gushyira imbere ubwirinzi bw’amakuru kuva serivisi zigitegurwa, koroshya uburyo bwo gusobanura amakuru, guha abakoresha ubushobozi bwo kugenzura amakuru yabo, gushyiraho uburyo bwihariye bwo kwakira no gukemura ibibazo by’abagore ndetse no gukurikirana uko izi ngamba zigenda zitanga umusaruro.

Imibare ya VISA igaragaza ko 90% by’ibigo by’ubucurizi ku Isi ari ubuto n’ubuciriritse aho butanga 50% y’imirimo yose y’abatuye Isi. Ni mu gihe ibigo by’ubucuruzi 1 muri 3 biba biyobowe n’abagore.

Ba uwa mbere mu kumenya amakuru agezweho!!!