Hagaragajwe ibikibangamiye ihererekanya ry’amafaranga ku ikoranabuhanga muri Afurika

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Malachie Hakizimana

28-10-2022 - 11:58' | Ibitekerezo ( )

Raporo yiswe ‘The State of Instant and Inclusive Payment Systems in Africa (SIIPS – Africa 2022)’ yateguwe n’Ikigo giteza imbere ikoranabuhanga muri Afurika (AfricaNenda), Komisiyo y’Umuryango w’Abibumbye ishinzwe Ubukungu muri Afurika (UN ECA) na Banki y’isi, igaragaza ko guhererekanya amafaranga ku ikoranabuhanga muri Afurika bikibangamiwe n’ikiguzi gihenze cya serivisi ndetse n’ibikorwa remezo bya Internet bidahagije.

Bamwe mu bakozi b'ikigo cya AfricaNenda, ubwo bari mu nama yiga ku guteza imbere ikoranabuhanga, bashyikirije Perezida Kagame igitabo gikubiyemo iyo raporo bakoze

Iyo raporo yamurikiwe i Kigali mu nama yiga ku gaciro k’ikoreshwa rya telefone muri serivisi z’ikoranabuhanga, harimo no guhererekanya amafaranga, inama yabaye tariki 25-27 Ukwakira 2022.

Abateguye iyo raporo bagaragaza ko bimwe mu bihugu byateye intambwe ishimishije, ariko hakaba ibindi bikiri inyuma, bagahamagarira ibihugu bya Afurika gufatanya no kwigiranaho mu gushyiraho politiki zifasha kwihutisha ikoranabuhanga rifite akamaro kanini mu guhererekanya amafaranga, nka kimwe mu byakoroshya ubucuruzi muri Afurika.

Sabine Mensah, Umuyobozi wungirije wa AfricaNenda agaragaza raporo yamuritswe ku mugaragaro

Umuyobozi Mukuru w’Ikigo giteza imbere ikoranabuhanga muri Afurika (AfricaNenda), Robert Ochola, yagize ati “Nubwo tuvuga iyo ntambwe yatewe, haracyari Miliyoni zisaga 300 z’abantu batabasha kubona serivisi z’ikoranabuhanga. Ikibazo kibakomereye ni ukutagira ibikorwa remezo, cyangwa ngo bagire ubushobozi bwo kubona amakuru n’ubumenyi mu gukoresha bene izi serivisi, kimwe n’uko guhererekanya amafaranga hari aho bigihenze.”

Robert Ochola, Umuyobozi Mukuru wa AfricaNenda, ageza ijambo ku bitabiriye imurikwa ry'iyi raporo

Uyu muyobozi yavuze ko nta munyafurika ukwiye gusigara inyuma muu ikoranabuhanga ryo guhererekanya amafaranga, muri iyi si y’ikoranabuhanga rigezweho (digital era).

Umuyobozi w’Urwego rw’Igihugu rushinzwe kwihutisha iterambere (RDB), Clare Akamanzi, avuga ko gukoresha ikoranabuhanga mu guhererekanya amafaranga bifite akamaro kanini haba mu Rwanda no ku Isi muri rusange, bikaba byaragaragaye cyane cyane mu bihe bishize bya COVID-19.

Clare Akamanzi uyobora RDB avuga ko ikoranabuhanga ryo guhererekanya amafaranga ari ingenzi rikaba ryarafashije abantu cyane cyane muri COVID-19

Clare Akamanzi yakomoje kuri Mobile Money, agaragaza ko na we n’ubwo yigeze kumara igihe atayikoresha, yasanze nta yandi mahitamo, na we arayifunguza. Ati “Nta yandi mahirwe nari mfite atari ukuyifungura. Mu myaka ibiri gukoresha ikoranabuhanga mu kwishyurana byarazamutse cyane, haba kuri telefone, Banki cyangwa amakarita. Nko muri 2020/2021 abafite konti za Mobile Money bazamutseho 8%. Abatanga serivisi za MOMO bazamutseho 32%. Iyi mibare igaragaza ko hakiri ibyo gukora muri uru rwego, kandi ni yo ntego Igihugu cyacu gifite.”

Iyi raporo igaragaza ko hifashishijwe ikoranabuhanga, mu mwaka ushize abatuye ku mugabane wa Afurika, bahererekanyije Miliyari 16 z’Amadolari ya Amerika.

Icyakora imibare y’abakoresha iri koranabuhanga ryo guhererekanya amafaranga cyane cyane kuri telefone iracyari hasi. Imibare igaragaza ko umugabane wa Afurika utuwe n’abagera kuri Miliyari imwe na Miliyoni magana ane, ariko 40% byabo ni bo bafite telefone zigendanwa zigezweho zizwi nka Smartphones.

Ni mu gihe kandi 44% by’abatuye muri Afurika batabasha kubona ibikorwa remezo bituma babasha gukoresha ikoranabuhanga rishingiye cyane cyane kuri Internet, nyamara bamwe ugasanga banabituriye, ariko bikabasiga bikajya gufasha abatuye ahandi.