Ubushakashatsi bwa ‘FinScope 2024’ bwakozwe n’Ikigo cy’Igihugu cy’Ibarurishamibare (NISR) bwerekanye ko 96% by’Abanyarwanda (abarenga miliyoni 7,8) bagerwaho na serivisi z’imari, naho 73% bakoresha serivisi zishingiye ku ikoranabuhanga. Ibi bigaragaza izamuka rya 30% ugereranyije n’umwaka wa 2020, bikaba ikimenyetso cy’uko u Rwanda rukomeje kwimakaza ikoreshwa ry’ikoranabuhanga mu rwego rw’imari.

Mu kiganiro na Imvaho Nshya, Rwiyereka Mathew, Umusesenguzi akaba n’Umuyobozi wa ‘RG Partners’, yibukije ko nyuma ya Jenoside yakorewe Abatutsi mu 1994, ubukungu bw’u Rwanda bwari hasi cyane hafi ya ntabwo.

Ingengo y’imari y’umwaka wa 1995 yari miliyari 56 Frw, inkunga z’amahanga zikagera kuri 90%. Ariko uyu munsi, Minisiteri y’Imari n’Igenamigambi (MINICOFIN) igaragaza ko ingengo y’imari y’umwaka wa 2026/27 izagera kuri miliyari 7 796,3 Frw.

Rwiyereka yagize ati: “Ubukungu bw’u Rwanda bwasubiye inyuma nyuma ya Jenoside, ariko Igihugu cyiyubatse gihereye kuri zero kigera ahantu cyiyubaka.”

Urugendo rw’ikoranabuhanga mu rwego rw’imari

Gahunda yo gukoresha ikoranabuhanga yatangiye mu 2000, ubwo Guverinoma yashyiragaho ICT-led Development Vision ijyanye n’icyerekezo cya Vision 2020. Hag followed by politiki ya NICI (2001–2005), igamije kubaka inzego z’ibanze z’ikoranabuhanga.

Mu 2008 hatangiye ‘Cashless Strategy’, naho mu 2010 hatangizwa ku mugaragaro serivisi za ‘Mobile Money’. Rwiyereka ashimangira ko mbere ya 2010, serivisi z’imari zasabaga kujya kuri banki, ariko ubu ‘banki abantu barazigendana mu mifuka, aho bari hose bashobora kohereza cyangwa kwakira amafaranga.’

Imibare yerekana ko: 86% by’Abanyarwanda bakoresha ‘Mobile Money’, 77% bafite konti ya ‘Mobile Money’ yanditse mu mazina yabo, 22% bafite konti muri banki.

Abenshi bakoresha ‘Mobile Banking’, ‘Internet Banking’ cyangwa ‘USSD’. Ibi byatumye abaturage bagira icyizere mu mutekano w’amafaranga yabo, bongera gukorana n’ibigo by’imari no gushora imari. Amabanki n’ibigo biciriritse byashyizeho uburyo buhuza serivisi na telefoni, bifasha kwizigamira no kwaka inguzanyo mu buryo bw’ikoranabuhanga.

Nubwo hari intambwe ikomeye imaze guterwa, Rwiyereka agaragaza ko hakiri imbogamizi: bamwe badasobanukiwe ikoranabuhanga, abandi bakibeshya cyangwa bakabura ubumenyi bwo gusoma no kwandika ku buryo gukoresha ikoranabuhanga bibabera umutwaro cyane cyane abakuze.

Mu rwego rwo gukomeza gutera imbere, Banki Nkuru y’u Rwanda (BNR) iri kugerageza ifaranga ry’ikoranabuhanga CBDC (e-Frw). Mu Werurwe 2026, BNR yatangaje ko yarangije igerageza ry’ibanze, hateganyijwe igerageza ryagutse rizamara amezi 12 mbere y’uko ryemezwa n’Inama y’Abaminisitiri. Iri faranga rizafasha mu kwishyura vuba, kurinda umutekano w’amafaranga no korohereza ubucuruzi bwambukiranya imipaka.

Rwiyereka asaba amabanki gukomeza kugendana n’ikoranabuhanga rigezweho, cyane cyane mu gukoresha indangamuntu y’ikoranabuhanga no kubyaza umusaruro amakuru y’abakiliya hifashishijwe ‘Artificial Intelligence’ (AI).

Ati: “Umuntu akwiye kuba azwi, akaba yakwinjira muri banki ntibamubaze umwirondoro kuko aba yarawubahaye kera. Ibyo bizatuma serivisi zihuta kandi zitanga umusaruro.”

Nk’uko Rwiyereka avuga ko, umuvuduko u Rwanda ruri kugenderaho mu ikoranabuhanga utazabuza ibigo by’imari gukomeza gutera imbere, ari nako ubukungu bw’Igihugu burushaho kuba ntayegayezwa.

Ba uwa mbere mu kumenya amakuru agezweho!!!