Abantu 44% mu Rwanda bibwe amafaranga binyuze mu bujura bukorerwa ku ikoranabuhanga nkuko ubushakashatsi bw’abakoresha serivisi z’imari ku ikoranabuhanga (DFS) bwakozwe na  Banki Nkuru y’u Rwanda (BNR), n’Ihuriro Mpuzamahanga ry’Imiryango y’Iterambere (CGAP) bwabigaragaje.

Ubwo bushakashatsi bwashyizwe hanze ku wa 09 Ukuboza 2025, bwagaragaje ko 97% by’abakoresha serivisi z’imari ku ikoranabuhanga bahuye n’ibibazo bitandukanye birimo ubujura, gukoresha nabi amakuru, kubura ihuzanzira (network) n’ibindi.

Mu bantu 84% bahuye n’abajura, 44% muri bo baribwe, 65% bagaragaza ko bagiranye ibibazo n’abagenti, 82% nta bumenyi bafite ku ikoranabuhanga mu gihe 41% bayobeje amafaranga.

Ku bijyanye n’inguzanyo 30% by’abakoresha serivisi z’imari ku ikoranabuhanga bazisabye bakoresheje uburyo bugezweho (digital).

Ubwo bushakashatsi kandi bugaragaza ko 53% by’abakoresha serivisi z’imari ku ikoranabuhanga ari abagabo, 67% ari abatuye mu mijyi, mu gihe 82%  ari abafite ubushobozi buciriritse.

Impuguke mu by’Imari muri CGAP, Eric Duflos, avuga ko icyagaragaye muri ubu bushakashatsi ari ubujura buri hejuru n’ibibazo bitandukanye abakoresha serivisi z’imari mu ikoranabuhanga bahura na byo, agasaba ko byakemuka.

Yagize ati: “Abantu bakomeje kwibwa kandi twabonye ko 97%  bahuye n’ibibazo by’ikoranabuhanga birimo kubura amafaranga bashaka kubikuza, kubura netiwaki cyangwa bakayayobya. Gusa  icyo twizeye ni uko bizakemuka  dufatanyije n’ibindi bigo by’imari kandi mbona BNR ifite ubwo bushake.”

Yongeyeho ko BNR itabikora yonyine ahubwo hakenewe ubufatanye n’ibindi bigo by’ikoranabuhanga n’imari kandi  hakomeza kubakwa ubumenyi mu gukoresha ubwenge buhangano (AI).

Umuyobozi ukuriye Ishami rishinzwe kugenzura imyitwarire y’urwego rw’imari muri BNR, Nsabimana Gerard, avuga ko ibyavuye mu bushakashatsi bigaragaza ahari icyuho ariko biteguye gukomeza ingamba zo guhangana n’ubujura bukorerwa ku ikoranabuhanga.

Nsabimana avuga ko ibibazo by’ubujura bikunze kugaragara ari ubwinjirira abakiliya; aho umuturage ashobora kubeshywa ko yohererejwe amafaranga cyangwa akabeshywa ko ari umukozi w’ikigo runaka akaba yagira imibare akanda amafaranga akibwa atyo.

Ati: “Ubujura dukunze kubona ni ubwinjirira abakiliya ukabona umuntu yohereje ubutumwa bugufi akakubwira ati nohereje amafaranga ndibeshye yansubize, cyangwa akakubwira imibare ugakanda ukaba umwoherereje amafaranga.”

Yongeyeho ko iyo ari amakosa yakozwe n’ikigo cy’imari habanza kurebwa niba kinjiriwe cyangwa ari amakosa y’abakozi ubundi umuguzi akaba yasubizwa amafaranga ye.

Nsabimana asaba Abanyarwanda kugira ibanga umubare w’ibanga bahabwa no kwirinda kugwa mu bishuko by’abatekamutwe.

Ubushakashatsi bwa FinScope 2024 bwagaragaje ko Abanyarwanda bagera kuri 96% bagerwaho na serivisi z’imari bavuye kuri 93% bariho mu mwaka wa 2020.

Ubwo bushakashatsi bwagaragaje ko abakoresha serivisi z’imari z’ibigo nka banki n’ibigo by’imari byanditse bagera kuri 92%, bangana na miliyoni 7.6 mu gihe abakoresha uburyo butanditse ari 4%.

Abantu 22% bahabwa serivisi binyuze muri banki zitandukanye, 70% bakazigeraho binyuze mu bindi bigo by’imari byanditse kandi bizwi mu gihe 4% ari bo bagera kuri serivisi z’imari binyuze mu bigo bitanditse.

Abatagerwaho na serivisi z’imari bavuye kuri 7% mu 2020 bagera kuri 4% mu 2024.

Abakoresha serivisi z’imari binyuze kuri telefone, ibizwi nka Mobile Money, bavuye kuri 62% mu 2020 bagera kuri 86%, abakoresha serivisi za SACCO ni 51%, serivisi z’ubwishingizi bakaba 13%, mu gihe 5% bakoresha amakarita yo kwishyuriraho  naho 10%  bakaba bakoresha Mobile Banking.

Ba uwa mbere mu kumenya amakuru agezweho!!!