Kuva uburyo bwo kwishyurana hifashishijwe ikoranabuhanga (eKash) bwatangizwa mu Rwanda mu 2022, bumaze gukoreshwa mu bikorwa (transactions) bisaga miliyoni 46, aho 99% byabyo  byagejejwe ku ntego  nta nkomyi.

Byatangajwe n’Ubuyobozi bw’Ikigo RSwitch gishinzwe gutunganya no gucunga uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga mu Rwanda, mu kiganiro bwagiranye n’itangazamakuru ku wa mbere tariki ya 1 Ukuboza 2025. 

Icyo kiganiro cyateguraga uburyo bwo  kumurika ku mugaragaro sisitemu ya eKash mu gikorwa giteganyijwe tariki ya 5 Ukuboza 2025.

RSwitch isobanura ko eKash ari sisitemu yashyizweho na Leta y’u Rwanda mu 2022 hagamijwe guteza imbere kwishyurana hifashishijwe ikoranabuhanga, nyuma y’ingaruka z’icyorezo cya COVID-19 zagaragaje ko gukoresha amafaranga mu ntoki bishobora gukoma mu nkokora gahunda zo kwirinda no kwihutisha serivisi z’imari.

Mu ntangiriro, ikoreshwa rya eKash ryifashishaga imirongo y’itumanaho ya MTN na Airtel Money, hanyuma haza kwiyongeraho banki n’ibigo by’imari bitandukanye. 

Kuri ubu, eKash yahuje ibigo 22 birimo sosiyete z’itumanaho, banki, Sacco n’ibigo by’imari iciriritse, bituma ukoresha serivisi za eKash atagomba kubikuza cyangwa kwimura amafaranga ngo abashe kwishyura.

Umuyobozi Mukuru ushinzwe ibikorwa muri RSwitch, Kajuga Jean Jacques, yavuze ko kuva eKash yatangira, yagaragaje uruhare rugaragara mu guteza imbere ubukungu bw’Igihugu no gukemura imbogamizi zari zisanzwe ziboneka mu kwishyurana.

Yagize ati: “Turimo kwimakaza ukwishyurana kutagira uwo biheza. Ubu umuntu ahitemo uko yakwishyura kuko ntabwo bimusaba kubikura amafaranga ahubwo ahita yishyura ku buryo ahisemo kuko aba afitemo konti.”

Yongeraho ko RSwitch ikomeje ubukangurambaga bugamije gufasha abaturage kumenya neza uburyo bwo gukoresha eKash.

Ati: “Kimwe mu byo eKash yaje gukora ni ugukuraho uburyo bw’ibibazo byo kohereza amafaranga akanga kugenda, muri COVID-19 harimo ko amafaranga akenerwa cyane, bigakorwa by’atagenyo. 

Ubu MOMO yahujwe na BK na Equity Bank n’izindi banki, njyewe nk’umuturage nohereje amafaranga kandi Banki Nkuru ntiba iri kubireba, wowe nk’umuturage ukajya kuri banki bati ari kuri MoMo wajyayo na bo bakagukina umukino.”

Yasobanuye ko ubu eKash iri hagati y’imiyoboro y’itumanaho n’ibigo by’imari kugira ngo ibashe guhita ibona amakuru ku gihe no kumenya aho ikibazo gituruka, bityo umukiriya ntakomeze kwibaza aho amafaranga ye aherereye kandi bimurinde gusiragizwa.

Kugeza ubu, amafaranga ntarengwa yo kwishyurana hakoreshejwe eKash ku munsi ni miliyoni 10 Frw, mu gihe igikorwa kimwe cyo kwishyura kitagomba kurenza miliyoni 2 Frw.

Kajuga ati: “Ibigo 22 twarangije gukorana na byo aho dufite konti z’abakiliya zisaga miliyoni 21. Icyo bisabanuye, njyewe nk’umuturage mfite MoMo nkaba mfite konti muri Equity no muri I&M bank, zikaba konti 3, zose zikaba izanjye, izo zose zikakirwa kugira ngo hatagira umuntu n’umwe ucikanwa.”

Alida Providence ushinzwe iyubahirizwa ry’amategeko muri RSwitch, yavuze ko imikorere ya eKash ikurikiranwa hafi na Banki Nkuru y’u Rwanda (BNR), hagenzurwa umutekano w’abayikoresha no kurinda amakuru yabo.

Yagaragaje ko eKash yubakiye ku mabwiriza akomeye yo kurinda umutekano w’amakuru no gukumira ibyaha cy’ikoranabuhanga, haba ubujura cyangwa imikoreshereze mibi y’imitungo.

Nubwo hari ibikorwa bigikomeje birimo isuzuma ry’isoko n’ihindagurika ry’imyitwarire y’abayikoresha bikinozwa, RSwitch ivuga ko imibare imaze kuboneka yerekana ko eKash izaba umuyoboro ukomeye mu iterambere ry’ubukungu bw’u Rwanda mu cyerekezo 20250.

BNR iherutse gutangaza ko kuva gahunda ya Gendana Konti igamije gushishikariza abagore biganjemo abo mu cyaro kugira konti bakoresheje telefoni, yageze ku bagore basaga ibihumbi 120. 

Biteganyijwe ko mu 2028 abantu bose, yaba abagabo n’abagore mu Rwanda, bazaba bagerwaho na serivisi z’imari bakoresheje ikoranabuhanga.

Ba uwa mbere mu kumenya amakuru agezweho!!!