‘Sandbox’ ni uburyo butari bushya cyane, aho ufite umushinga wo gutangiza ikigo gitanga serivisi z’imari, agana Banki Nkuru y’u Rwanda, ukemererwa gutangira ariko mu buryo bw’igerageza, ugatangirira ku bantu bake, ubundi uko imikorere yawo igenda inoga ukabona guhabwa uruhushya rwa burundu rwo gukora.

Bituma serivisi n’ibisubizo byo mu rwego rw’imari birimo udushya bishyirwa kandi bikageragerezwa ahantu hihariye mbere yo kugezwa ku isoko ryose, bigakorwa hakurikijwe amabwiriza kandi mu gihe cyagenwe.

Iri gerageza rituma ibicuruzwa na serivisi z’imari birimo udushya, bigirira akamaro ababikoresha, hanozwa ubwiza bw’ibicuruzwa na serivisi by’imari n’uburyo bwo kubigeraho n’imikoreshereze yabyo.

Ikindi ni uko bituma hashyirwaho n’uburyo bwiza bwo kurengera abakiliya hagamijwe kumenya no gucunga ibishobora guteza ingorane mu gihe za serivisi zikoreshwa.

Iyi gahunda yatangijwe na Banki Nkuru y’u Rwanda mu 2022, mu guteza imbere no guha urubuga ibigo bya FinTech mu Rwanda. 10 muri ibi bigo ubu byamaze gutangiza serivisi zabyo ku mugaragaro.

Bimwe muri ibi bigo bitanga serivisi z’uburyo bwo kwishyura, kuguriza no koherereza amafaranga hifashishijwe ikoranabuhanga, serivisi z’ubwishingizi zivuguruye n’ibindi.

Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa, yavuze ko ukwiyongera kw’ibi bigo mu Rwanda, bigaragaza imikoranire yabyo n’iby’imari bisanzwe mu kugeza serivisi z’imari ku bantu bose cyane cyane abatari basanzwe bazibona, mu bice byo mu byaro mu gihugu.

Yabikomojeho ku wa 28 Ugushyingo 2024, ubwo Guverinoma y’u Rwanda yamurikaga gahunda nshya y’imyaka itanu yo guteza imbere ikoranabuhanga mu by’imari [FinTech], mu murongo wo guhindura igihugu igicumbi cy’ikoranabuhanga mu Karere no muri Afurika muri rusange.

Iyi gahunda ifite intego yo gukurura ishoramari rya miliyoni 200$, guhanga imirimo mishya igera ku 7.500 no kongera ibigo bitanga serivisi zijyanye n’ikoranabuhanga mu by’imari bikagera kuri 300 mu 2029, bivuye kuri 75 mu 2021.

Ibi bivuze ko ibi bigo bizajya byiyongera ku rugero rwa 30% buri mwaka.

Guverineri Rwangombwa yavuze ko ubu buryo bwa ‘Sandbox’ ari inkingi ikomeye izishingikirizwaho mu kugera ku ntego za guverinoma mu myaka itanu iri imbere.

Ati “Ubu buryo bugena urubuga ku bigo by’ikoranabuhanga byo mu gihugu n’ibyo mu mahanga rwo kugerageza imishinga yabyo irimo udushya, bikaba inzira iganisha ku bitekerezo bishya biza bigatanga ibisubizo mu Rwanda no mu Karere.”

Yakomeje agira ati “Iyo uretse ibitekerezo bikagukira mu buryo bugenzurwa, hazibwa icyuho hagati yo guhanga udushya n’icyizere kandi byombi ni inkingi z’ingenzi mu rwego rw’imari.”

Banki Nkuru y’u Rwanda igaragaza ko ibigo bitanga serivisi zo kwishyurana hifashishijwe ikoranabuhanga mu Rwanda byavuye kuri bine mu 2014 bigera kuri 26 mu 2024.

Birindwi muri byo bitanga serivisi zo guhererekanya amafaranga ku ikoranabuhanga [e-money issuers] mu gihe 19 byibanda ku guhuza ibikorwa byo kwishyurana [payment aggregators].

Ubu mu Rwanda abaturage bangana na 96,7% bakoresha telefoni zigendanwa, naho internet igakoreshwa n’abangana 71,86%. Serivisi z’imari zigera ku baturage 93%, binyuze cyane cyane mu ikoreshwa rya Mobile money, hakaba hakiri icyuho ku bagore bakoresha izi serivisi ugereranyije n’abagabo.

Guverineri Rwangombwa yavuze ko ubu buryo bwa ‘Sandbox’ ari inkingi ikomeye izishingikirizwaho mu kugera ku ntego za guverinoma mu myaka itanu iri imbere mu rwego rw'ikoranabuhanga ryifashishwa mu by'imari

Guverinoma y’u Rwanda yamuritse gahunda nshya y’imyaka itanu yo guteza imbere ikoranabuhanga mu by’imari [FinTech]

Icarus ni ikigo cyatangije porogaramu ya Mine ikoreshwa kuri telefone ifasha mu gukusanya no gucunga amafaranga y’imisanzu y’abantu bari mu matsinda ku ikoranabuhanga

Amafoto: Kasiro Claude