Abayobozi bakuru mu nzego za Leta, abakora mu mabanki, ibigo by’ ikoranabuhanga mu by’imari, abafatanyabikorwa mu iterambere n’abandi bafite aho bahurira n’ubukungu bw’ikoranabuhanga bitabiriye iki gikorwa.

Abatanze ibiganiro muri uwo muhango bagarutse ku mumaro wa eKash ije gukuraho imbogamizi zitandukanye muri serivisi z’amafaranga, igashyira abaturage ku rwego rumwe rwo kwishyurana nta nkomyi, hatitawe ku rubuga bakoreshaga mbere.

Minisitiri w’Ikoranabuhanga na Inovasiyo, Paula Ingabire, yavuze ko ikibazo gikomeye cyari gihangayikishije abakora mu ikoranabuhanga mu by’imari ari ukudahuzwa n’izindi serivisi z’imari ku rwego rw’igihugu, aho yagize ati: “Kimwe mu bibazo bikomeye byari byugarije abakora mu by’ikoranabuhanga mu by’imari ni uko batashoboraga guhuza serivisi zabo n’izindi sisiteme z’igihugu. eKash izanye igisubizo, kuko ubu kohereza amafaranga hagati ya banki na telefoni zigendanwa bikorwa nta nkomyi.”

Yakomeje avuga ko eKash izafasha abakora mu ikoranabuhanga mu by’imari fintech no kugera ku bakiliya benshi, aho yagize ati: “Ibi bizatuma serivisi zacu zigera ku Banyarwanda benshi, binatume twongera gutekereza udushya turushaho guteza imbere serivisi z’imari zishingiye ku ikoranabuhanga.”

Abakoresha ba mbere ba eKash bamaze gutanga ubuhamya ku nyungu bayikuyemo.

Tresor Ngassa, umwe mu bayigerageje vuba, yavuze ko eKash yatumye kwishyurana byoroha cyane, agira ati:“Mbere najyaga mbaza umuntu network akoresha kugira ngo mbashe kumwoherereza amafaranga. Ubu ndohereza amafaranga ntitaye ku rubuga akoresha, bigatwara igihe gito kandi nta kiguzi cyiyongera.”

Ku ruhande rw’abacuruzi, Bisangwa Redempta yavuze ko eKash yakemuye ikibazo cyo gukoresha serivisi nyinshi zihenze, agira ati:“Mbere naracuruzaga ngakoresha amakode menshi ya mobile money kandi nkishyura amafaranga menshi ya serivisi. Hari n’abakiliya bajyaga bagenda batishyuye kubera ko network zabo zitahuzwaga. Ubu eKash yamfashije kwakira amafaranga kuri bose, ku buryo bwihuse kandi buhendutse.”

Umuyobozi Mukuru wa AfricaNenda Foundation, Umuryango nyafurika uharanira inyungu rusange (nonprofit) ufite icyicaro muri Afurika kandi uyoborwa n’Abanyafurika, ukorana na banki nkuru n’abandi bafite uruhare muri sisitemu zo kwishyurana, hagamijwe kwihutisha itegurwa, iterambere, itangizwa no kunoza sisitemu z’igihe-nyacyo zo kwishyurana kuri bose. Dr. Robert Ochola, yavuze ko eKash ari igisubizo gikomeye ku bibazo by’ubusumbane mu kugerwaho kwa serivisi z’imari muri Afurika.

Ibi yabisobanuye agira ati:“Uyu munsi abarenga miliyoni 400 muri Afurika baracyishingikiriza ku mafaranga afatika (cash). eKash ije kugabanya icyo cyuho.”

Yongeyeho ko ikirenzeho ari uko eKash yubatswe n’Abanyafurika ku kigero cya 100%, agira ati: “Ku nshuro ya mbere muri Afurika, dushyize hanze sisiteme y’igihugu y’imari yubatswe 100% n’aba injeniyeri b’Abanyafurika. Ibi birerekana ko ubushobozi bwacu buhari kandi bukomeye.”

Itsinda rya RSwitch, ryayoboye iterambere ry’iki gikorwaremezo cya “national switch”, ryatangaje ko bageze ku bikorwa by’ingenzi kugeza ubu. Nk’uko abayobozi Bwana Gasabira Blaise Umuyobozi mukuru wa RSwitch abivuga.

Ati: eKash ni igikorwaremezo cyubatswe na RSwitch kigamije guhuza no koroshya ubwishyu bw’ikoranabuhanga mu gihugu, aho kugeza ubu ibigo 22 by’imari byamaze kuyinjiramo ku mugaragaro, hakaba hamaze gukorwa ibikorwa byo kohererezanya amafaranga birenga miliyoni 47, abakoresha barenga miliyoni 21 n’amafaranga arenga miliyari 203 Frw amaze kunyuramo.”

Muri ibi bigo harimo amabanki, SACCOs, abatanga serivisi za mobile money, ibigo by’imari iciriritse (MFIs) n’ibigo bya fintech.

Uru rubuga rushyigikira kwishyurana “hagati” y’abantu ku giti cyabo (P2P) ndetse no hagati y’umuntu n’ubucuruzi (P2B), bigatuma abarukoresha bashobora kohereza amafaranga ako kanya hagati ya za network batagombye gutegereza cyangwa guhura n’ibiciro bihanitse.

Umuyobozi Mukuru wa Access to Finance Rwanda (AFR), Jean Bosco Iyacu, yasobanuye ko itangizwa rya eKash ari intambwe ikomeye ku rwego rw’imari mu Rwanda. Ati: “eKash ihagarariye ejo hazaza h’imari ihuriza hamwe abantu bose. Igabanya amafaranga yishyurwa ku bikorwa by’imari, ikongera uburyo bwo kugera ku bacuruzi bato, kandi ikongera icyizere mu kwishyura hakoreshejwe ikoranabuhanga. Twizera ko uru rubuga ruzihutisha uruhare rw’abaturage muri gahunda y’ubukungu”

Abafatanyabikorwa barimo AfricaNenda, Gates Foundation, GIZ, Mojaloop Foundation na AFR bashimiwe uruhare rwabo mu gutera inkunga no mu rwego rw’ubumenyi kugira ngo eKash igerweho.

Imibare yerekana ko ubwitabire mu by’imari muri Afurika bugenda butera imbere ariko hakigaragara icyuho gikomeye, cyane cyane ku bagore. Nubwo 75% by’abantu bakuru bafite telefoni, abashobora gukoresha serivisi z’imari mu buryo bw’ikoranabuhanga ni 51% gusa, naho abafite konti ya banki cyangwa mobile money bakaba 58% naho abantu bagera kuri miliyoni 400 ntibagera kuri serivisi z’imari.

Mu bihugu byose bya Afurika, 25 gusa ni byo bifite uburyo bwo kohereza cyangwa kwakira amafaranga mu buryo bw’ako kanya (IPS), kandi 35% gusa by’abatuye umugabane nibo bakoresha internet, bikadindiza ikoreshwa rya serivisi z’imari zishingiye ku ikoranabuhanga.

Nubwo hari intambwe zimaze guterwa, abagore bafite konti ni 52% gusa, 13% by’abafungura konti babikora kubera ko bakeneye kwakira umushahara cyangwa inkunga ya Leta mu gihe abaturage barenga 30% bahangayikishwa n’ubushobozi bwo kurangiza ukwezi. Uhereye mu 2014 kugeza ubu, ubwinshi bw’abafite konti bwiyongereyeho 70%, ariko imibare igaragaza ko hakenewe kongerwa imbaraga mu gukwirakwiza ikoranabuhanga no guteza imbere kwinjira mu bukungu by’umwihariko ku bagore n’abatishoboye.