Mu bihugu byo muri Afurika yo munsi y’Ubutayu bwa Sahara ho, amafaranga yoherezwa n’abanyamahanga yiyongereyeho miliyari 45 z’amadolari ya Amerika, angana na 6.2%.

By’umwihariko mu Rwanda, amafaranga yoherezwa mu gihugu haba mu kwishyurana cyangwa se yoherejwe nk’impano, muri 2021 byari byitezwe ko yari kwiyongeraho miliyoni eshanu z’amadolari, akagera kuri miliyoni 246, ugereranyije n’igabanuka rya 7.7% rihwanye na miliyoni 20 z’amadolari, ryari ryabayeho muri 2020.

Muri uwo mwaka, uburyo bwo kohereza amafaranga hifashishijwe ikoranabuhanga bwariyongereye cyane ndetse bigera kuri 400%, bitewe o gusubika ingendo ndetse na gahunda za Guma mu Rugo.

Kubera ingufu zashyizwe muri gahunda zo gukingira Covid-19, ndetse n’uburyo ubukungu buri kongera gusubira ku murongo, ubu benshi bahanze amaso uyu mwaka wa 2022, ko imiryango myinshi isanzwe yohererezwa amafaranga aturutse hanze izabona akayabo.

Umurerwa Carine, Umuyobozi uhagarariye Kompanyi ikora ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga ‘WorldRemit’ mu Rwanda, agaragaza ko muri uyu mwaka u Rwanda rushobora kuzoherezwamo amafaranga menshi, agendeye ku bintu bitandukanye.

Banki y’Isi igaragaza ko muri uyu mwaka amafaranga yoherezwa mu bihugu binyuranye aziyongeraho 2.6% muri uyu mwaka wa 2022.

Kuri Umurerwa, ibi ni ukuri bitewe n’uko ubu hirya no hino mu Burayi, muri Amerika no muri Aziya, icyorezo cya Covid-19 cyatangiye kugabanuka. Ibihugu byinshi byo muri ibyo bice ni na byo ababirimo benshi boherereza imiryango yabo iba mu bihugu bikiri mu nzira y’amajyambere, kandi ibyo bihugu byanagaragaje umuhate mu gufasha abantu bahagaritse imirimo kubera icyorezo cya Covid-19.

Uretse n’ibyo kandi, abantu baba muri bihugu byo hanze bakomeje kugaragaza kwigira ndetse benshi bakomeza koherereza amafaranga bene wabo bari muri Afurika.

Muri 2020, WorldRemit yohereje hafi miliyari 10 z’amadolari. Bitewe n’uko abantu benshi bakomeje kugaragaza ko bahisemo uburyo bw’ikoranabuhanga mu kohereza amafaranga hanze y’ibihugu barimo, amafaranga yoherezwa muri ubu buryo azakomeza kwiyongera muri 2022, wenda gahoro gahoro bitewe n’uko ubukungu bugenda bwongera kwiyubaka nyuma y’icyorezo cua Covid-19.

Ikindi, uburyo bwa ‘Mobile Wallets’ bufasha abantu kubika, kohereza no kwakira amafaranga bakoresheje telefoni zigendanwa, bwitezweho gukomeza kwamamara bitewe n’imikorere yabwo yanyuze ababukoresha.

Icyorezo cya Covid-19 cyatumye habaho ubwiyongere bwa miliyari ibihumbi 2.4 z’amadolari ya Amerika, mu gihe uburyo bwo kwishyurana abantua badakoze ku mafaranga bwashyirwagamo imbaraga muri 2020.

Uburyo bwa Mobile wallets mu Rwanda kandi bwazamuwe n’umubare munini w’abatunze telefoni zigendanwa, kuko ubu habarurwa abantu miliyoni 10.6 (barenga 80% by’abaturage bose) bazitunze.

Mu gihe kandi u Rwanda ruri mu bihugu bya Afurika byimakaje guhanga udushya, hitezwe uburyo bwo kohererezanya amafaranga hakoresheje telefoni zigendanwa.

Mu buryo bwo kohereza amafaranga aturutse mu bihugu byo hanze, mu mwaka wa 2020 ubu buryo bwohereje miliyari 12.7 z’amadolari ku isi hose, hakoreshejwe telefoni zigendanwa.

Umutekano w’amafaranga ndetse n’uburyo byoroshye gukoresha iryo koranabuhanga rya telefoni, bituma abantu ari bwo bahitamo kurusha gukoresha amabanki.

Mu Rwanda 36% by’abaturage bakuze ni bo bafite konti muri za banki cyangwa se bakoresha serivisi za banki.

Zimwe mu nyungu zo gukoresha iryo hererekanya ryifashisha telefoni zigendanwa, harimo kuba ikiguzi cyo gucunga amafaranga y’umuntu kiri hasi, kuba bugera kuri benshi bitewe n’ubwiyongere bwa telefoni ku mugabane wa Afurika, ndetse no kuba hari umuyoboro uhamye wo guhanahana amafaranga, guhaha no kwishyura hakoreshejwe ikoranabuhanga.

Ikindi kandi, kubera guhora bumva ibibazo birebana n’umutekano w’amafaranga ndetse no gusangira amakuru, ibigo byohereza amafaranga bizakomeza kuwugira uwa mbere kurusha ibindi byose.

Ku ruhande rw’abohereza, ibigo bizakomeza gushyiraho uburyo bwo kuvugurura imyirondoro y’abakiriya babyo binyuze mu matelefoni yabo ndetse n’ibindi bibaranga.

Ku ruhande rw’abakira, abantu bazakomeza kujya babika amafaranga yabo kuri za konti zabo muri banki cyangwa se mu buryo bwa mobile wallet, bitewe n’ubwiyongere bw’ababihisemo.

Ku ruhande rwa WorldRemit, Umurerwa avuga ko amahuzanzira yose anyura ku rubuga rwabo rwa interineti ndetse no muri porogaramu za telefoni byose bifite umutekano wizewe.

Yonegraho ati “Twubatse sisiteme y’imashini yikoresha, ibasha kumenya ibintu byose bya magendu, ariko nanone tugasaba abakiriya guhora bari maso”.

Ikindi kitezweho kongera umubare w’amafaranga yohererezwa imiryango hirya no hino ku isi no mu Rwanda, ni uburyo bwo kwihutisha serivisi.

Akenshi usanga abakiriya bamenyereye ko bamara amasaha n’amasaha batonze imironko ku ma bank ingo bohereze cyangwa se bakire amafaranga, ariko ikoranabuhanga ryoroheje byose.

Kubera iryo koranabuhanga riteye imbere, abakiriya baba bashaka ko amafaranga yabo yoherezwa cyangwa se akabageraho mu minota mike cyane.
Ni muri urwo rwego rero ibigo bikora izi serivisi byitezweho gushaka ikoranabuhanga rigezweho rifasha abakiriya babyo gusubiza ibyo bibazo, ibi na byo bikaba mu bizazamura umubare w’amafaranga azoherezwa muri uyu mwaka.

Nko muri worldRemit, ngo bafite ikoranabuhanga bita API Technology, rimenyesha umuntu ugiye kohereza amafaranga ko uwo agiye koherereza yiteguye kuyakira.

Ikindi cyitezwe ni uko mu bihe biri imbere, bizajya bisaba abakora ikoranabuhanga mu kohererezanya amafaranga kugabanya inzira binyuramo kugira ngo uwohereza agree aho bamusaba gukanda ‘SEND’ cyangwa se ‘Ohereza’.

Umurerwa avuga ko ibi bizafasha abantu kudakora byinshi mu gihe bohereza amafaranga, kuko hari ubwo bigera ku ntambwe runaka bikanga, bigasaba ko umuntu asubiramo.

Muri macye rero, kohererezanya amafaranga mu gihe kiri imbere biziyongera kandi birusheho koroha.