Mu Rwanda hasanzwe uburyo bwitwa eKash, ikaba gahunda ya leta yo guteza imbere no koroshya ihererekanya ry'amafaranga hifashishijwe ikoranabuhanga(cashless). Muri Gicurasi 2022, iyi gahunda yatangiye ubwo hashyirwagaho uburyo bw'ihererekanya ry'amafaranga hagati ya MTN na Airtel.

Ibishya kuri eKash

Ubusanzwe, ibigo by'imari cyangwa by'itumanaho, nibyo byivuganiraga hagati yabyo, bikagirana amasezerano bigashyiraho imikoranire, bikemeza n'igiciro cyizajya cyishyurwa igihe abakiliya babyo bombi bahererekanyije amafaranga(Urugero, MTN na Airtel, BK na MTN,..).

Ariko nkuko Jean Jacques KAJUGA Umuyobozi Ushinzwe Ibikorwa muri Rswitch(Ikigo gifite mu nshingano eKash) yabibwiye RTV, ubu buryo eKash yari isanzwe ikoramo bwatumaga hari abatagira ijambo riremereye mu ishyirwaho ry'imikoranire no koroshya ihererekanya ry'amafaranga, urugero nk'Ibigo by'imari biciriritse.

Ariko ubu, eKash ivuguruye irimo ibigo by'imari binini n'ibito bikorera mu Rwanda byose(Amabanki, SACCOs, Umwalimu SACCO,..) n'ibigo by'itumanaho byose(MTN na Airtel). Nanone, igiciro cy'ihererekanya ry'amafaranga hagati y'ibyo bigo byose, ni amafaranga 20Rwf igihe cyose amafaranga atarenze Miliyoni 10Rwf. Ni mu gihe kandi wemerewe kohereza amafaranga inshuro zose ushaka ku munsi. Ubu ibigo by'imari na iby'itumanaho, ibyinshi byamaze gushyira ubu buryo bwa eKash buvuguruye muri USSD code cyangwa porogaramu(Application) bikoresha.

Bisobanuye ko ubu, ushaka kwishyura igicuruzwa cyangwa serivisi uhawe n'umuntu cyangwa ikigo runaka, kandi amafaranga ukaba uyafite kuri Bank, ukoresheje porogaramu(Application) y'iyo Bank cyangwa akanyenyeri kayo(USSD code) wakohereza amafaranga kuri konti ya bank cyangwa kuri MTN/Airtel Mobile Money by'umucuruzi/ikigo, kuri 20Rwf gusa y'ikiguzi cya serivise.

Ubu buryo wabukoresha wishyura umuntu/ikigo, ikogo cy'ishyura ikindi, umubyeyi yishyura amafaranga y'ishuri,... niyo uwishyura n'uwishyurwa baba bafite konti mu bigo by'imari cyangwa by'itumanaho bitandukanye.

"Icyo tubona ubu, ni uko ejo hazaza h’urwego rw’imari ahashingiye ku bufatanye ndetse no guhuza n’imikorere (interoperability)."

Tony Francis Ntore, Umuyobozi mukuru wa Rwanda Bankers Association

Umwihariko kuri Airtel, kohereza amafaranga ava kuri Airtel ajya ahandi hose, yaba ku kindi kigo cy'imari cyangwa cy'itumanaho, ni ubuntu.