Imikorere y'Ikofi yo mu Ikoranabuhanga "Digital Wallets": Ese yakoreshwa mu Rwanda?

Ubu buryo bukoresha telefone cyangwa mudasobwa, aho umuntu ashobora kubika amafaranga, kwishyura ndetse no kwishyura ibicuruzwa. Mobile Money na yo ishobora kubarwa nk’imwe mu bwoko bwa Digital Wallet. Icyakora bifite aho bitandukanira.

Mobile Money ikora cyane mu guhererekanya amafaranga hifashishijwe telefone. Ikofi yo mu ikoranabuhanga (Digital Wallet) ku rundi ruhande, itanga amahirwe yo kubika uburyo bwinshi bw’amafaranga. Harimo amakarita ya banki, amakarita y’ubukode, n’amatike. Iyi serivisi inatanga uburyo bwizewe bwo kwishyura kuri interineti.

Birumvikana ko byombi byifashishwa mu kwishyura ndetse no kubika imari. Ariko Digital Wallet yibanda by'umwihariko ku bucuruzi bukorewe kuri interineti. Mu gihe Mobile money yibanda ku guhererekanya amafaranga bitagombeye interineti.

Kimwe na mobile money, umuntu akenera konti muri Digital Wallet kugirango abashe kuyikoresha. Izo konti zifungurwa hifashishijwe murandasi. Umuntu ufite konti buri banki zisanzwe, abasha kubika no gukoresha amafaranga, ikarita, amafaranga y'ikoranabuhanga (Crypto Currency),… ayakuye kuri banki, hanyuma akayohereza kuri porogaramu ya digital wallet nka Google Pay, PayPal cyangwa Apple Pay.

Digital Wallet ibasha kwifashishwa mu kwishyura no mu bucuruzi bukorewe kuri interineti (e-commerce) bukorerwa ku mbuga nka Alibaba, Jumia,... Cyangwa se akishyura ifatabuguzi ku mbuga zitandukanye zicuruza serivisi nka Spotify, Cloud Storage, Netflix subscription etc. Ibi bikaba ari akarusho kuri mobile money isanzwe kubera idakunze kugera ku bucuruzi mpuzamahanga.

Nubwo uburyo bwa Mobile Money buzwi cyane mu Rwanda, ikofi yo mu ikoranabuhanga itanga amahirwe menshi. Ku rundi ruhande, kugira ngo ikofi yo mu ikoranabuhanga ikore neza, umuntu akeneye kuba afite interineti ihamye ndetse n’ikoranabuhanga rifite ubushobozi bwo kwakira amafaranga.

Mu Rwanda, hari benshi bakoresha ubu buryo ndetse abaturage benshi bashishikariye kwiga uburyo bwo gukoresha 'Digital wallets', ndetse Leta ikomeje gukora ubukangurambaga ku iterambere mu ikoranabuhanga muri rusange.

Ibi byose bigaragaza ko ikofi yo mu ikoranabuhanga ifite ubushobozi bwo gufata umwanya mu buzima bwa buri munsi mu Rwanda, kandi ko abantu bashobora kubona amahirwe mu gukoresha amafaranga yabo mu buryo bwa digitale.

Ibi byitezwe ko bizafasha kugabanya ibibazo by’umutekano w’amafaranga no koroshya ubucuruzi ku rwego rw’igihugu no kurenga imipaka.