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BNR yagaragaje inyoroshyo zashyiriweho abatanga serivisi z’imari hifashishijwe ikoranabuhanga

Yanditswe na Akayezu Jean de Dieu
Kuya 9 Ugushyingo 2022 saa 08:30
Yasuwe :

Abafite ibigo bitanga serivisi z’imari hifashishijwe ikoranabuhanga by’umwihariko ba rwiyemezamirimo bakiri bato, bahuguwe ku mategeko, umutekano wa serivisi batanga ndetse n’uko bashobora kunoza ibyo bakora bakaba bakwiteza imbere.

Ni muri gahunda ya Banki Nkuru y’u Rwanda ifatanyije n’inzego zishinzwe gushyiraho amategeko no kugenzura imitangire ya serivisi z’imari hifashishijwe ikoranabuhanga zirimo Urwego Ngenzuramikorere, RURA, n’Ikigo kigenzura Isoko ry’Imari n’Imigabane mu Rwanda (CMA).

Izi nzego zifatanya kandi n’Ikigega cy’Umuryango w’Abibumbye gishinzwe guteza imbere Serivisi z’Imari, United Nations Capital Development Fund (UNCDF).

Muri aya mahugurwa, abitabiriye basobanuriwe ibisabwa na BNR iyo igiye gutanga icya ngombwa cyo gutangiza ikigo cyangwa sosiyete itanga serivisi z’imari hifashishijwe ikoranabuhanga.

Uretse kandi amategeko agenga abashaka gutangira, beretswe ko hari n’uburyo buzwi nka ‘Sandbox’ aho ufite umushinga wo gutangiza ikigo gitanga serivisi z’imari cyangwa undi mushinga wose ariko udafite ubushobozi bw’amafaranga akwemerera gutangira, uza bakakwemerera kuwugerageza, ugatangirira ku bantu bake, ubundi uko ubushobozi bugenda buboneka bakaba baguha uruhushya rwa burundu rwo gukora.

Songa Chris Musonera ushinzwe serivisi z’imari zitangwa hakoreshejwe ikoranabuhanga ndetse no kwishyurana hakoreshejwe ikoranabuhanga muri BNR, yavuze ko aya mahugurwa yateguwe kugira ngo bamenyekanishe uburyo bakorana n’abagenerwabikorwa ariko banabasobanurire by’umwihariko amategeko.

Ati “Aya mahugurwa aradufasha kugira ngo tumenyekanishe uko dukorana n’abagenerwabikorwa bacu. Harimo ikibazo nk’abantu bashinzwe gushyiraho amategeko agenga uko abantu batanga serivisi, usanga abantu bamwe batayumva, ugasanga harimo no kutayakurikiza cyangwa kutamenya aho wabaza.”

Yakomeje agira ati “Turagira ngo tubigishe amategeko uko ameze, uburyo abafitiye akamaro n’uburyo twe duhari kugira ngo tubafashe. Hari nka gahunda ya ‘Sandbox’ tubafitiye, baraza tukabaha uruhushya bakabanza bakagerageza imishinga yabo. Ibyo bakwiye kubimenya kugira ngo abahanga ibishya batazajya bagira ubwoba bwo gutangira bijyanye n’ubushobozi bw’amafaranga.”

Musonera avuga ko nka BNR icyo bashyize imbere ari ugucunga umutekano wa serivisi z’imari zitangwa hifashishijwe ikoranabuhanga cyane ko muri iki gihe abajura n’abagaba ibitero by’ikoranabuhanga babaye benshi.

Ati “Ku bakoresha izi serivisi bakomeze kwirinda kuba bashukwa kugira ngo n’izihari zikora neza zitazagira ibibazo. Mwagiye mwumva ibintu byo gushuka abantu kuri Mobile Money [...] ibintu by’ikoranabuhanga ushobora kubona abantu bagushuka, twabagira inama yo kugira amakenga ariko nanone bakazitabira kuzikoresha kuko twabonye ko zoroshya ubuzima bw’abantu.”

Yakomeje agira ati “Abantu bari gushaka kuzana udushya muri izi serivisi z’imari zifashisha ikoranabuhanga, icyo twabasaba ni ukureba ibibazo biri mu baturage kugira ngo babisubize.”

Nkurayija Ishimwe Jean Hubert watangije ikigo cy’ikoranabuhanga cya FavouriAapps Ltd, avuga ko ibyo yungukiye muri aya mahugurwa ari byinshi birimo no kugira amakuru ku bijyanye n’amategeko agenga imikorere.

Umunyamategeko Raymond Asiimwe akaba n’umukozi w’Ikigo Bytelex gitanga ubujyanama ku bigo bitanga serivisi z’imari hakoreshejwe ikoranabuhanga, yavuze ko kugeza ubu n’ubwo amategeko agenga imikorere y’ibi bigo ndetse n’ajyanye no kubitangiza bitanga icyizere.

Yakomeje agira ati “Ikibazo umuntu yavuga kigihari ni ukuba abantu baba badafite amakuru ku bijyanye n’ibisabwa kugira ngo batangize ibigo bitanga serivisi z’imari ari nabyo usanga bituma habaho kutagira abantu benshi bashoramo imari kuko nta makuru baba bafite.”

Raporo ya Banki Nkuru y’Igihugu y’umwaka wa 2021/2022 ni ukuvuga guhera muri Kamena 2021 kugera muri Kamena 2022, igaragaza ko kohererezanya amafaranga binyuze kuri serivisi za banki zitangirwa kuri telefoni ngendanwa byiyongereyeho 35 ku ijana, biva kuri miliyoni 6 bigera kuri miliyoni 8, naho agaciro kabyo kiyongeraho 140 ku ijana, kava kuri miliyari 381 Frw kagera kuri miliyari 917.

Ni mu gihe ibikorwa byo guhererekanya amafaranga hifashishijwe urubuga rwa murandasi rwa banki byiyongereyeho 42 ku ijana, biva kuri 1.552.080 bigera kuri 2.205.107, naho agaciro kabyo kiyongeraho 57 ku ijana, kava kuri miliyari 2,672 Frw kagera kuri miliyari 4200 Frw.

Umubare w’abakoresha serivisi za banki bifashishije telefoni ngendanwa wiyongereyeho 18 ku ijana, uva kuri 2.080.549 kugera kuri 2.244.652, hagati ya Kamena 2021 na Kamena 2022, naho umubare w’abakoresha serivisi za banki bifashishije murandasi wiyongeraho 32 ku ijana, maze uva ku 106.312 ugera ku 140.662.

Umubare w’abakoresha telefoni mu kwishyurana mu buryo buhoraho wiyongereyeho 9 ku ijana, uva kuri 5.079.232 muri Kamena 2021 ugera kuri 5.528.109 muri Kamena 2022.

Muri aya mahugurwa hari hatumiwemo n'abanyeshuri bo muri kaminuza
Musonera avuga ko nka BNR icyo bashyize imbere ari ugucunga umutekano wa serivisi z’imari zitangwa hifashishijwe ikoranabuhanga
Umuyobozi w’agateganyo wa Capital Market Authority, Bundugu Eric ni umwe mu batanze ikiganiro muri aya mahugurwa
Abatanze ibiganiro ni abaturuka mu bigo bitandukanye
Ibitekerezo byatanzwe muri aya mahugurwa BNR izabishingiraho mu kureba impinduka n'amavugurura akenewe mu mategeko agenga ibigo bitanga serivisi z'imari hakoreshejwe ikoranabuhanga
Abitabiriye amahugurwa bahawe umwanya wo gutanga ibitekerezo

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