Push And Pull,nuburyo bwo gukura cyangwa se kohereza amafaranga ava kuri mobile money buka ari uburyo bukorwshawa nabenshi mu rwanda
Banki Nkuru y’u Rwanda (BNR) yatangaje ko ko yakuyeho amafaranga yakatwaga abakura amafaranga kuri konti bayohereza kuri Mobile Money cyangwa abayohereza kuri konti bayakuye kuri telefoni mu buryo busanzwe bumenyerewe nka Push And Pull.
uyu mwanzuro wafashwe mu rwego rwo kwimakaza imitangire serivisi inoze ndetse no gusigasira uburenganzira bw’abakiliya.
Banki Nkuru y’u Rwanda yatangaje ko aya mabwiriza ahita yubahirizwa abuza ibigo by’itumanaho na za banki gukata ikiguzi icyo ari cyo cyose ku muntu wohereje amafaranga hagati ya Mobile Money Konti ari byo byamenyekanye cyane nka ‘push and pull’.
Mubihe byashize abakiriya b’amabanki binubiye ikatwa ryaya mafaranga,aho bibazaga impamvu ryiki k’ikibazo,bashimangira ko ayo bakatwa akomeje gutuma batangira kuzinukwa ikoreshwa ry’ikoranabuhanga mu guhererekanya amafaranga.
Ibyo ngo byavaga ku kuba barabonaga bagwa mu gihombo cyo kuba inyungu bakoreye isigaye igendera mu kwishyura ikiguzi cya serivisi ya ‘push and pull’.Banki Nkuru kandi yakuyeho inyungu zasabwaga n’ibigo by’itumanaho kuri konti z’ubwizigame zifitwe n’isosiyete y’itumanaho zavugwaga ko ari yo ntandaro yo gukata abakiliya
Mu gihe cyo kohereza amafaranga kuri konti ya Mobile Money, banki zajyaga zishyura inyungu mu gihe amafaranga avuye kuri konti y’umukiriya yerekeza kuri konti yo kuri telefone, bikaba bivugwa ko yo nyungu yabarwaga ku kigero cya 6%.Ku isoko ryo mu Rwanda, ikiguzi cyo gukura amafaranga y’u Rwanda 40,000 cyabarirwaga hagati yamafaranga 200 na 1,000.
Ubuyobozi bwa banki zitandukanye ntibwahwemye kugaragaza ko icyo kiguzi cyari gikwiye kuko gifasha kuziba icyuho cy’ishoramari ryakozwe mu gutangiza iyo serivisi, n’ibindi biguzi iyo serivisi isaba.
Ibiguzi bitakarira mu mitangire y’iyo serivisi nk’uko bitangazwa n’amabanki harimo gutegura no guhuza serivisi za banki n’iza telefoni, ikiguzi cyo kubihuza, kugura ikoranabuhanga (software) ndetse no kurikora, bikajyana no guhuza amakuru y’imikorere ya konti z’abakiriya.
Ibindi biguzi bituruka kuri serivisi z’ubutumwa bwohererezwa umukiriya bwaba ari ubusanzwe ndetse n’ubwoherezwa kuri email n’ahandi
Sosiyete z’itumahaho, zivuga ko kohereza amafaranga ava kuri telefoni ajya kuri banki bibasaba kwishyura ikiguzi cy’uwatanze serivisi (agend fees), guhuza amakuru y’abakiliya, ikiguzi cya serivisi yo kwita ku bakiriya n’izindi serivisi z’ikoranabuhanga zituma bishoboka.
SRC:imvahonshya.co.rw
