Hari raporo yerekana ko hari Abanyarwanda bavuze ko bahombye amafaranga kubera uburiganya bw’ikoranabuhanga bakorewe mu mwaka ushize -ni ukuvuga hafi abantu batatu mu bantu icumi babajijwe (29%)-bavuze ko bahuye n’ubwambuzi bushingiye kuri za Konti zakoreshejwe mu kurigisa amafaranga yabo.
Mu mwaka wa 2025, icyiciro cyagaragayemo ubwo buriganya ahanini ni ubucuruzi bwo kugurisha ibicuruzwa by’uduconsho (retail).
Ubushakashatsi bw’ikigo gishinzwe kureba uko abantu bafata bakanishyura umwenda ‘TransUnion’ bwagaragaje ko 1.6% by’ibikorwa by’ubucuruzi cyangwa by’imikorere mu ikoranabuhanga byagarayemo kiriya kibazo.
Gusa byagaragaye ko uyu mwaka habayeho igabanuka bivuye kuri 2.7% byariho mu mwaka wabanje kandi biri munsi cyane y’impuzandengo y’uko bimeze ku isi kuko ho biri kuri 3.8%.
Uko bugaragara ni uko ubu buriganya bwagabanutse haba mu Rwanda no ku rwego rw’isi, gusa abagizi ba nabi bakaba bakomeje guhindura amayeri yabo bagakoresha uburyo bushingiye k’ukwizeza abantu ibintu kandi ari ubushukanyi.
Nubwo imibare y’uburiganya iri hasi ugereranyije n’ahandi, ingaruka ku baturage zirakomeye.
Mu Banyarwanda babajijwe na TransUnion bavuze ko bahombye amafaranga kubera uburiganya bw’ikoranabuhanga mu mwaka ushize (harimo uburiganya bukorwa hakoreshejwe email, internet, telefoni cyangwa ubutumwa bugufi), igihombo kikaba ku mpuzandengo ya Frw 869,249.
Iki gihombo kiri munsi y’icyatangajwe muri Kenya no muri Afurika y’Epfo mu bihugu byakorewemo ubushakashatsi.
Ibi ni bimwe mu byagaragajwe muri raporo TransUnion H1 2026 Update: Top Fraud Trends, ihuza amakuru yavuye mu bushakashatsi bishingiye ku mikorere mpuzamahanga ya TransUnion ikurikirana uburyo uburiganya bukorwa mu masoko atandukanye binyuze mu ikoranabuhanga.
Amritha Reddy, Umuyobozi Mukuru ushinzwe imicungire y’ibicuruzwa byo kurwanya uburiganya muri TransUnion Africa muri iyo raporo yagize ati: “Nubwo u Rwanda rufite igipimo cy’uburiganya bw’ikoranabuhanga kiri munsi y’impuzandengo y’isi n’iy’akarere, haracyari uburyo ubwo buriganya bukorwamo. Abagizi ba nabi bari kwibanda ku cyizere umuntu abagirira mbere yo kwibanda ku bikorwa by’ubucuruzi bwabo ubwabyo.”
Icyakora u Rwanda rwashoye mu bikorwa remezo by’ikoranabuhanga (Digital Public Infrastructure) rishingiye kuri gahunda ya Vision 2050, rikaba rifite aho rihuriye n’ibikorwa rya NIDA binyuze mu gushyiraho indangamuntu y’ikoranabuhanga iri hafi gutangira gukoreshwa.
Biteganyijwe ko izafasha mu gukomeza uburyo bwa eKYC (Electronic Know Your Customer), bworoshya itangwa rya serivisi z’ikoranabuhanga no kunoza uburyo bwo kwemeza umwirondoro w’abakoresha izi serivisi.
Abanyarwanda bibishwa ikoranabuhanga binyuze mu gukoresha imyirondoro y’abandi no mu gukoresha inzira nyinshi nk’uko bikorwa mu bihugu bifite ubukungu bushingiye ku ikoranabuhanga bwateye imbere.
Mu Banyarwanda babajijwe, abavuze ko bahombye amafaranga kubera uburiganya bw’ikoranabuhanga mu mwaka ushize, 29% bavuze ko byatewe n’uburiganya bwo kwibwa amafaranga biciye mu kuyohereza kuri Konti zahimbiwe icyo kintu.
Reddy yavuze ati: “Abantu bakora ubwo buriganya akenshi baba ari umuyoboro uhuza uburiganya bukorerwa abaturage n’ibindi byaha by’imari. Benshi bajyanwamo batabizi binyuze mu mayeri yo kubashuka, bikemerera abagizi ba nabi kwimura amafaranga yibwe batagaragaye. Iyo ibi bikorwa byiyongereye, uburiganya bw’umuntu ku giti cye bushobora kuvamo ikibazo gikomeye ku rwego rw’imari muri rusange.”
1.Uburiganya bugaragara mu gihe cyo gufungura Konti
Nubwo muri rusange imibare y’uburiganya yagabanutse ugereranyije no mu mwaka wa 2024, hari ibyiciro bimwe na bimwe bikigaragaramo ibyago byinshi cyane, cyane cyane aho abagizi ba nabi bagerageza gukora cyangwa gukoresha imyirondoro utari yo.
Mu mwaka wa 2025, gufungura konti nshya zitari zo zari 7.7%, kwinjira muri konti z’abandi (Login) byari: 1.6%, Ibikorwa by’imari n’ubwishyu bitari byo byari 0.5%.
Reddy yunzemo ati: “Raporo yerekana impinduka zikomeye: ubu ibyago byinshi by’uburiganya mu Rwanda bibaho mbere y’uko igikorwa cya mbere kirebana n’imari kiba. Abagizi ba nabi ntibakigaba ibitero ku buryo butaziguye ahubwo biyitirira abakoresha bemewe.”
Yongeyeho ko iyo umwirondoro wangiritse cyangwa wibwe ukemezwa muri sisitemu, kubikurikirana biba bigoye kandi bihenze cyane.
Kuri Reddy, umutekano muke ntabwo ukiri ikibazo cyo kutubahiriza amategeko gusa, ahubwo wahindutse ikintu gishingira k’ukubaka icyizere cy’abakiliya ku rwego rwagutse.
Mu rwego rwa Afurika, ibyago by’uburiganya bw’ikoranabuhanga biratandukana bitewe n’ibikorwa by’ubucuruzi byibasirwa.
Ku byakorewe mu Rwanda, ubucuruzi bw’uduconsho nibwo bwagaragayemo igipimo cyo hejuru cy’uburiganya mu mwaka wa 2025, kingana na 7.1%.
Mu gihe serivisi nyinshi ziri gushingira ku ikoranabuhanga rigendanwa, murandasi yihuse n’imbuga nkoranyambaga, uburiganya burigaragaza cyane.
Hagati aho, u Rwanda rufite amategeko n’inzego bikomeye mu kurwanya ibyaha by’ikoranabuhanga, ibintu byarufashije kwirinda ko ibintu byarukomerana.
Ariko kugabanuka kw’imibare y’uburiganya ntibisobanuye ko ikibazo kiri kurangira.
Niyo mpamvu Reddy asaba igihugu gukomeza ingamba zo guhangana nubwo buriganya.
