Binyuze muri eKash umuntu ukoresha Airtel Money yoherereza amafaranga mugenzi we ukoresha MTN Mobile Money cyangwa ukoresha Ecobank, akaba yayohereza muri I&M Bank ako kanya bidasabye kubikuza amafaranga ufite kuri konti runaka ukajya kuyabitsa ku yindi.

Ibyo kandi bikorwa mu buryo bunoze, ugacibwa amafaranga angana n’ayo wari gucibwa iyo woherereza undi musangiye umurongo w’itumanaho.

Icyakora kugira ngo ukoreshe ‘eKash’ byasabaga kwiyandikisha bikorewe kuri ‘application’ na ‘USSD’ za banki n’ibigo by’imari bitandukanye cyangwa ukagana ishami rikwegereye.

Ubu ntibikiri ngombwa ko ukoreshe ubwo buryo aba yariyandikishije. Umuntu wese ashobora kohereza amafaranga anyuze ku kigo cy’itumanaho cyangwa icy’imari runaka nta zindi nzira asabwe.

Ushaka kohereza amafaranga akanda *182*1*2#, indi mibare banki runaka ikoresha, application runaka cyangwa uburyo bwo kuri internet bukoreshwa n’abashaka serivisi za banki ‘internet banking’, bidasabye izindi nzira ngo zo kubanza kwiyandikisha n’ibindi.

Ku bashaka ko amakuru yabo cyangwa ibiberekeyeho bwite bitajya hanze. eKash yorohereza uyikoresha kohereza amafaranga ariko amakuru amwerekeyeho agakomeza kugirwa ibanga.

Umuyobozi Mukuru wa RSwitch, Gasabira Blaise Pascal yavuze ko eKash imaze guhindurwa mu isura nshya kugira ngo ifashe mu bijyanye no kwimakaza serivisi z’imari zidaheza, buri wese akayikoresha bitagoranye.

Ati “Twanogeje ‘eKash’ kugira ngo ikoreshwe na benshi kandi byoroshye. Icyo tugamije ni ukuvanaho imbogamizi zose ziri mu ruhererekane rwo kwishyurana no guhererekanya amafaranga mu Rwanda. Ni intambwe igaragaza umuhate duhorana mu guha Abanyarwanda bose serivisi z’imari zinoze.”

RSwitch igaragaza ko ubu buryo buvuguruye buzagaragara ku bigo by’itumanaho n’iby’imari byose ku buryo nta na hamwe bizagorana.

Igaragaza kandi ko mu bihe bitarambiranye irakurikizaho uburyo bwo kwishyurana hagati y’umuntu n’ikigo cy’ubucuruzi runaka ibizwi nka ‘Person-to-Business (P2B)’.

Ni ukuvuga ko umuntu yifashishije ‘eKash’ azajya aba ashobora kwishyura ibicuruzwa na serivisi igihe cyose ashakiye ndetse n’ibigo by’ubucuruzi byakire amafaranga mu buryo bugezweho.

Mu bihe bya mbere uwabaga afite amafaranga nko kuri MTN Mobile Money ushaka kuyoherereza ukoresha Airtel Money byari ingorabahizi kuko byasabaga kujya gushaka umu-agent, akakubikuriza hanyuma akagufasha kuyohereza ku wundi murongo, bigatwara umwanya amafaranga n’ibindi.

Ibindi bibazo byari umwanya byatwaraga ngo kuvana amafaranga kuri banki imwe ngo yoherezwe ku yindi bigatinda cyane.

Mu 2022 ni bwo RSwitch yakemuye ikibazo ufite amafaranga kuri MTN Mobile Money akayohereza kuri Airtel Money byoroshye nta n’amafaranga y’ikirenga aciwe, mu 2023 eKash yaravuguruwe, abakiliya boroherezwa ku kohererezanya amafaranga hagati y’ibigo by’itumanaho, amabanki, ibigo by’imari na za koperative.

Ubu umuntu yohereza amafaranga yifashishije ikigo ashaka. RSwitch ifitanye imikoranire n’ibigo by’itumanaho, iby’imari, banki z’ubucuruzi n’ibindi bigo bitandukanye bikorera mu Rwanda, waba ukura amafaranga kuri banki uyajyana kuri telefone, waba uyakura kuri konti ya banki imwe uyohereza ku yindi bigakorwa mu mwanya muto cyane.

Ibyo ni byo bikomeje, kuzamura imibare y’abohererezanya amafaranga bifashishije ikoranabuhanga nk’uko imibare ya Banki Nkuru y’u Rwanda, BNR ibigaragaza.

BNR yerekana ko nko mu 2023/2024 ubwishyu bwakozwe hakoreshejwe telefone bwiyongereyeho 75%, bugera kuri miliyoni 419.7 buvuye kuri 240.5.

Amafaranga yishyuwe binyuze muri ubwo buryo yiyongereyeho 43% ava kuri miliyari 1575 Frw mu mwaka wabanje, agera kuri miliyari 2252 Frw.

Mu bijyanye n’ikoreshwa rya serivisi za banki binyuze kuri telefone, amafaranga yoherejwe yiyongereyeho 81%, ava kuri miliyari 3.680 Frw agera kuri miliyari 6645 Frw.

Amafaranga yahererekanyijwe binyuze mu mabanki hakoreshejwe internet ibizwi nka ‘internet banking’, yiyongereyeho 92% ava kuri miliyari 7272 Frw, agera kuri miliyari 13.973 Frw.

Ikirango gishya cy'uburyo bwo kwishyurana hifashishijwe ikoranabuhanga buzwi nka 'eKash'