Iyi gahunda, yuzuzanya n’Icyerekezo 2050 na gahunda y’igihugu yo kwihutisha iterambere, yitezweho gutanga umusanzu mu izamuka ry’ubukungu, ukudaheza muri serivisi z’imari no guharanira iterambere rishingiye ku ikoranabuhanga.

Ifite intego yo gukurura ishoramari muri FinTech rya miliyoni 200$ mu myaka itanu iri imbere, guhanga imirimo mishya igera ku 7500, 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.

Mu bindi biteganyijwe harimo kuzamura igipimo cy’abakoresha serivisi z’imari hifashishijwe ikoranabuhanga mu gihugu, ubwitabire bukava ku rugero rwa 61% mu 2022 bukagera kuri 80% mu 2029. Hari kandi gahunda yo gushyira u Rwanda mu bihugu 30 bya mbere ku Isi biha urubuga kandi byitabira ikoranabuhanga mu by’imari, no kuba igihugu cya mbere muri Afurika.

Mu ntego z’ingenzi zigamije kugerwaho bitarenze mu 2029, u Rwanda ruteganya kwakira byibuze ibigega 25 bitera inkunga imishinga igitangira muri uru rwego mu gihugu.

Kimwe mu bishingirwaho mu kuvuga ko izi ntego zizagerwaho harimo kuba ubu mu Rwanda abaturage bangana na 96,7% bakoresha telefoni zigendanwa, naho internet yo igakoreshwa n’abangana 71,86%.

Serivisi z’imari ubu zigera ku baturage 93%, binyuze cyane cyane mu ikoreshwa rya Mobile money, ariko haracyari icyuho ku bagore bakoresha izi serivisi ugereranyije n’abagabo.

Amafaranga azakoreshwa mu bikorwa biteganyijwe, azava mu kigega ‘FinTech Fund’ kizatangirizwa muri ‘Rwanda Innovation Fund’, kizajya gikusanyirizwamo inkunga, cyite ku kwimakaza gahunda zitandukanye nk’ishoramari rihuriweho, kwiyambaza uburyo bwa ‘global crowdfunding’ hagamijwe gukurura ishoramari ry’abikorera n’ibindi.

Crowdfunding ni uburyo bushya bwo gushaka inkunga, aho umuntu cyangwa ikigo gikenera amafaranga gikusanya inkunga itangwa n’abantu benshi bo mu bice bitandukanye by’isi hagambiriwe gushyigikira umushinga runaka.

Ibi bikorwa ahanini hifashishijwe ikoranabuhanga, bigafasha abashaka inkunga kugera kuri benshi kandi mu buryo bworoshye bunihuse. Bigira uburyo bwinshi bikorwamo nko gusaba inguzanyo, inkunga itishyurwa, kugura imigabane n’ibindi.

Hagaragajwe ko hakiri icyuho mu bijyanye n’ishoramari muri uru rwego, kuko kugeza mu 2022, ishoramari ryose muri FinTech ryanganaga na miliyoni 11$.

Mu rwego rwo kuziba iki cyuho, leta izashyira imbere gahunda yo guhamagarira abashoramari kwiyambaza ikigega gitera inkunga guhanga udushya, Rwanda Innovation Fund, RIF, n’ikindi gitera inkunga imishinga mito n’iciriritse, Business Development Fund, BDF.

Hazabaho uburyo bw’inyoroshyo ku misoro Leta izashyiriraho abashoramari kugira ngo boroherwe no gushora imari mu bikorwa by’ubushakashatsi muri uru rwego [R&D tax credits].

Mu rwego rw’ubuhinzi, bufite uruhare rukomeye mu bukungu bw’u Rwanda, iyi gahunda izashyigikira ikoreshwa ry’ikoranabuhanga cyane cyane harebwa ku baturage bo mu byaro, hagamijwe gukemura ibibazo bibangamira cyane abagore n’abakiri bato bakora uyu mwuga, birimo kugorwa no kugerwaho n’inguzanyo n’izindi serivisi z’imari.

U Rwanda kandi ruzashyira ingufu mu kongera umubare w’abantu bagerwaho n’ibikoresho by’ikoranabuhanga nka telefoni.

Hazashyirwaho ikigo kizajya gikusanyirizwamo amakuru ahuriweho n’ibigo bya FinTech, hagamijwe koroshya ihuzwa rya serivisi zabyo n’imikoranire.

Igenamigambi ry’iyi gahunda rizashyirwa mu bikorwa n’itsinda riyobowe na Minisiteri y’Ikoranabuhanga na Inovasiyo, MINICT; Minisiteri y’Imari n’Igenamigambi, MINECOFIN; Banki Nkuru y’u Rwanda [BNR], ndetse n’Ihuriro ry’Abikorera muri FinTech. Hazashyirwaho amatsinda yihariye azajya akurikirana buri nkingi, hagamijwe gushyira mu bikorwa neza intego zateganyijwe.

Mu byihutirwa bigomba gukorwa hagati ya 2024 na 2026 harimo kongera kunononsora no kunoza neza uburyo buzwi nka ‘sandbox’ no gutangiza uburyo bwo gukusanya inkunga zigenewe uru rwego.

‘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.

Ni uburyo bwashyizweho na Banki Nkuru y’u Rwanda mu 2022, mu guteza imbere no guha urubuga ibigo bya FinTech mu Rwanda. Mu bigo 50 bimaze kuyinyuramo, 10 muri byo byatangiye gutanga serivisi zabyo ku mugaragaro.

Mu rwego rwo gushyigikira iterambere rya FinTech kandi u Rwanda rwateganyije ibikorwa bigamije kongera ubumenyi n’impano mu by’ikoranabuhanga.

Hazashyirwaho ubufatanye n’ibigo by’amashuri makuru na za kaminuza hagamijwe gutegura amasomo yihariye ku ikoranabuhanga mu by’imari [FinTech-specific modules].

Leta izibanda ku gukorana n’abafatanyabikorwa mpuzamahanga kugira ngo habeho gahunda zo gukurura impano zituruka mu bihugu bitandukanye ku Isi, zifite ubumenyi buhanitse mu bijyanye na FinTech, no kuzamura ireme ry’abakozi bahari binyuze mu mahugurwa yihariye ngo barusheho kunguka ubumenyi bujyanye n’isoko.

Iyi gahunda izafasha u Rwanda kuba igihugu cyujuje ibisabwa mu bijyanye no guhanga udushya mu by’ikoranabuhanga rikoreshwa mu rwego rw’imari.

Minisitiri w’Ikoranabuhanga na Inovasiyo, Ingabire Paula, aganira na Minisitiri w'Ubucuruzi n'Inganda, Prudence Sebahizi

Iki gikorwa cyari cyitabiriwe n'abantu b'ingeri zitandukanye bafite aho bahurira n'ikoranabuhanga cyangwa urwego rw'imari

Habaye ibiganiro binyuranye

Umunyamabanga wa Leta muri Minisiteri y'Imari n'Igenamigambi Ushinzwe Imari ya Leta, Richard Tusabe, yavuze ko nka minisiteri, bazashyira imbere gushyigikira ishyirwa mu bikorwa ibikubiye muri iyi gahunda

Ubwo abayobozi batandukanye bamurikaga iyi gahunda ku mugaragaro

Guverineri Rwangombwa yagaragaje ko BNR ifite gahunda zitandukanye zigamije guteza imbere impano mu rwego rw'imari

Umuyobozi wa Access to Finance Rwanda, Jean Bosco Iyacu, yagaragaje ko hakwiye ubufatanye mu nzego, kugira ngo gahunda nshya ya Guverinoma y’u Rwanda y’imyaka itanu yo guteza imbere ikoranabuhanga mu by’imari [FinTech], izashyirwe mu bikorwa

Minisitiri w’Ikoranabuhanga na Inovasiyo, Ingabire Paula yavuze to izi ntego zagutse cyane ariko bishoboka kuzigeraho

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