Bijyanye n’iterambere ry’Isi, ubu byaroroshye kuko serivisi za banki ziboneka bwangu binyuze mu ikoranabuhanga cyangwa mu ntumwa zayo zizwi nk’aba-agents.

Cogebanque iri muri banki zimakaje iri hame ryo guhura n’abakiliya bayo binyuze mu ntumwa ziyihagarariye mu Rwanda hose.

Kuri Agent wa Cogebanque, umukiliya w’iyi banki y’ubucuruzi yashinzwe mu 1999, ahabona serivisi z’ibanze nko kubitsa no kubikuza ndetse n’izindi serivisi.

Urusaro Raissa “Agent” ukorera Cogebanque mu Mujyi wa Kigali yavuze ko usibye serivisi bashobora gutanga, banagira inama abakiliya babagana.

Yagize ati “Ubusanzwe hari serivisi dushobora gutanga ariko iyo ziri hejuru y’ubushobozi bwacu nka serivisi nshya cyangwa ari umuntu ukeneye ibisobanuro ku bijyanye n’inguzanyo, tumugira inama tukamwereka inzira yanyuramo akagana banki.’’

Uyu mucuruzi yavuze ko yahisemo gukorana na banki kuko ihemba neza ugereranyije n’izindi ziri ku isoko ry’u Rwanda.

Yakomeje ati “Buri gihe umuntu ahitamo kujya aho bamufata neza, Cogebanque rero ibyo irabyujuje, kuko iduha agaciro nk’abayihagarariye.’’

Urusaro yagaragaje ko mu mbogamizi bagihura nazo mu kazi ari uko hari bamwe mu bakiliya batabagirira icyizere ko bashobora kubaha serivisi nk’izo babona muri banki.

Ati “Hari umuntu ushidikanya ko amafaranga aguhaye ngo umubikire agera kuri konti cyangwa niba uwo ayoherereje amugeraho. Byaba byiza hongerewe ubukangurambaga bwumvisha abantu ko serivisi dutanga ari nta makemwa.’’

Murwanashyaka Damas umaze imyaka ibiri ari umu-agent wa Cogebanque mu Mujyi wa Kamembe ahazwi nko ku Rya Kabiri, yavuze ko abamugana bagenda basobanukirwa na serivisi za banki.

Yagize ati “Nakundaga kujya muri banki nkabona itanga serivisi nziza, ifite n’abakiliya benshi, nkavuga nti mbaye agent hari icyo nakuramo kandi nagezemo nsanga niko bimeze.’’

“Abakiliya batugana barabyumva kuko serivisi tubaha bashobora kuzirebera kuri telefoni, ku buryo bagira icyizere ko uri intumwa ya banki. Akazi k’ubu-agent ni keza ko kantunze kandi nakarangira inshuti zanjye.’’

Aba-‘Agents’ bagira uruhare runini mu korohereza Abanyarwanda n’Abaturarwanda guhererekanya amafaranga no kubona serivisi z’ibanze za banki hafi yabo.

Umukozi mu Ishami rishinzwe aba-agents muri Cogebanque, Gakwerere Tonny, yabwiye IGIHE ko ishyirwaho ry’abahagarariye banki rifite intego yo kuyifasha kwegera abakiliya.

Ati “Banki ntiyabona uko ifata amashami iyashyire mu gihugu hose, yatekereje gushyiraho ishami ry’abayihagarariye abakiliya, babone serivisi zo kubitsa no kubikuza aho bari hose batavunitse. Ni inyungu ku bakiliya, ku baturarwanda no kuri banki kuko iba igera ku ntego zayo zo gutanga serivisi z’imari kuri benshi.’’

Mu 2013 nibwo Cogebanque yashyizeho Ishami ry’Aba-agents, rigenda ryaguka umunsi ku wundi. Kugeza ubu iyi banki ihagarariwe n’abasaga 600 mu dusantere tw’ubucuruzi dutandukanye mu gihugu.

Gakwerere akomeza ati “Yatangiye ari nto igenda izamuka, twatangiriye ku mushinga ariko ubu turi mu gihugu hose.’’

Mu gushyiraho aba-agents hibandwa ku bucuruzi bakora, ubunyangamugayo bwabo n’uburyo bakorana na banki. Bubakirwa ubushobozi binyuze mu mahugurwa bahabwa buri mwaka abibutsa uko bakwiye kwakira ababagana no gushyira mu bikorwa ibyifuzo byabo.

Ati “Buri mwaka dutegura amahugurwa ku rwego rw’igihugu, na bo rero iyo hari serivisi nshya, turabasobanurira, niba ari inguzanyo turayimubwira ku buryo uwayikenera akayikubaza, wamusubiza utarya indimi. Buri gihe dutegura amahugurwa ku basanzwe no ku bashya.’’

Muri iki gihe, Cogebanque yashyize imbaraga mu gukomeza kuba hafi intumwa zayo no kuzifasha guhangana n’ingaruka ibikorwa byabo byagizweho na COVID-19.

Gakwerere yavuze ko nubwo serivisi zitandukanye zahungabanye ariko bakomeza gutanga ubujyanama ku ba-agents babo ku buryo barushaho gukora muri iki gihe.

Ati “Isomo twakuyemo nuko ingaruka za COVID-19 zatumye ishoramari ritagenda, ni byiza ko tugomba gukora ariko tukazigama kugira ngo tuzashobore guhangana n’ibihe bigoye byatungurana.’’

Mu kurushaho korohereza aba-agents ba Cogebanque hashyizwe imbaraga mu bukangurambaga bwo kumvisha abaturarwanda ko ari abizerwa muri serivisi batanga.

Ati “Ikibazo twakigize tugitangira ariko ubu iri shami rirazwi, aba-agents bamaze kumenyekana. Dusobanurira abakiliya bacu ko babaha serivisi nziza, nta mpamvu yo gutakaza umwanya. Niba babonye agent bamenye ko bageze muri banki, ni abantu bizewe kandi b’inyangamugayo.’’

Uretse serivisi basanga ku mashami, abakiriya babona serivisi z’ibanze bakoresheje telefoni “Mobile Banking”, kuri internet “Online Banking”, nko kubikuza baciye ku byuma bya ATM no kwishyura imisoro kuri internet “E-Tax”.

Cogebanque nka banki Nyarwanda itanga serivisi mpuzamahanga, yagabye amashami 28 mu gihugu hose aho ifite ibyuma bya ATM 36, ifite aba-agents barenga 600 bayifasha mu gutanga serivisi zo kubitsa no kubikuza zirimo n’izifashisha ikoranabuhanga binyuze muri Internet Banking, Mobile Banking n’amakarita ya MasterCard.

Aya makarita usibye kuba atanga umutekano w’amafaranga, anaha abayakoresha ububasha bwo kubikuza ku byuma bya ATM miliyoni 36 biri hirya no hino ku Isi.

Urusaro Raissa ni umwe mu ba-agent bakorera Cogebanque mu Mujyi wa Kigali

Urusaro ukorera imbere ya T2000 aha umwe mu bakiliya ba Cogebanque serivisi zijyanye n'imari zo kubitsa no kubikuza

Cogebanque itanga serivisi zitandukanye binyuze ku ba-agent batandukanye bakorera mu bice bitandukanye by'igihugu

Amafoto: Igirubuntu Darcy