Banki Nkuru y’u Rwanda (BNR) yakuyeho amafaranga banki zishyuzaga abakiliya kuri serivisi yo kwimura amafaranga hagati ya konti yo muri banki na konti ya telefoni ngendanwa, igihe byombi ari iby’umuntu umwe.
Ni icyemezo cyatangajwe mu mabwiriza ya Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa, yo ku wa 20 Kanama 2021. Byatangajwe ko kigomba guhita cyubahirizwa.
BNR yavuze ko cyafashwe hagamijwe kurushaho korohereza abakoresha ubwo buryo bw’ikoranabuhanga mu kwishyurana.
Iti “Ikiguzi n’amafaranga acibwa ku kohereza amafaranga hagati ya konti y’ikoranabuhanga na konti yabikijweho amafaranga byombi by’umuntu umwe, birabujijwe.”
Ni uburyo bukoreshwa cyane cyane muri ibi bihe by’icyorezo cya COVID-19, aho umuntu ashobora guhemberwa kuri banki ariko agakenera guhaha ibintu bitandukanye, akishyura akoresheje nk’uburyo bwa MoMo Pay.
Muri icyo gihe kugira ngo amafaranga ave kuri konti ya banki byasabaga ikiguzi, aho ku mafaranga make cyari 200 Frw, kikagenda kizamuka bitewe n’amafaranga umuntu akeneye kwimura hagati ya konti ya banki na telefoni.
Byabaga imbogamizi uko amafaranga agenda aba menshi, ugasanga umuntu ahitamo kujya kuyabikuza ku mashini ya ATM cyangwa ku ishami rya banki, akabona kuyabitsa kuri telefoni.
Ni mu gihe gahunda ari uko abantu barushaho guhererekanya amafaranga mu ikoranabuhanga.
Banki zakomezaga kuvuga ko ariya mafaranga yakwa kubera ishoramari ziba zarakoze mu bijyanye n’ikoranabuhanga n’uburyo bwo guhuza izo konti zombi.
Ibyo bikiyongeraho ikiguzi bitwara kugira ngo niba iryo hererekanya rikunze cyangwa ryanze, ubone ubutumwa bugufi bubikumenyesha.
Icyemezo nk’iki cyaherukaga gufatwa muri Werurwe 2020, icyorezo cya COVID-19 kikigera mu gihugu.
Icyo gihe BNR yatangaje ko nta kiguzi kizongera gucibwa umuntu mu gihe akura amafaranfa kuri konti iri muri banki ayashyira kuri konti ya Mobile Money cyangwa ayakura kuri mbile Money ayohereza kur konti ye muri banki.
Icyo gihe hanemejwe ko nta kiguzi kizajya gicibwa abantu bahererekanya amafaranga bakoresheje mobile money cyangwa iumucuruzi mu gihe yishyuwe hakoreshejwe imiyoboro y’ikoranabuhanga.
Ni ibyemezo byaje gukurwaho.
Mu mabwiriza mashya yatangajwe kandi hakuweho inyungu kuri Konti ihuriweho na Konti bifitanye isano z’abantu ku giti cyabo z’amafaranga yo mu ikoranabuhanga, igihe zikoreshwa mu bijyanye no kwishyurana, kereka gusa igihe bikoreshwa mu kwizigamira.
Komite ishinzwe kubungabunga ubudahungabana bw’Urwego rw’Imari (FSC) yateranye 13 Kanama 2021; iheruka gutangaza ko mu gihembwe cya kabiri cy’umwaka wa 2021 uburyo bw’imyishyuranire bukoreshwa n’abantu ku giti cyabo ahanini bugizwe no kwishyurana hakoreshejwe telefone.
Bigize 96 ku ijana by’ umubare w’ababukoresheje ndetse na 48 ku ijana by’amafaranga yose yaherekanyijwe muri Kamena 2021, ugereranyije na 97 ku ijana by’umubare w’abakoresheje ubu buryo na 54.7 ku ijna by’amafaranga yahererekanyijwe muri ubu buryo muri Kamena 2020.
Yavuze ko “Kugabanuka kw’igice cy’amafaranga yahererekanyijwe hifashishijwe telefone, kwasimbuwe n’izamuka ry’uburyo bwo kwishyura hifashishijwe amakarita kwavuye ku 9 ku ijana kugera kuri 14 ku ijana, ndetse n’uburyo bukoresha serivisi za banki kuri telefone bwavuye kuri 1 ku ijana bugera kuri 2 ku ijana.”
Ni ibikorwa bijyanye n’izamuka ry’imirimo y’ubukungu mu gihembwe cya kabiri cya 2021 ugereranyije n’igihembwe cya kabiri cya 2020.
