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Abakiriya bahabwa serivisi za Mobile Money bishimira uburyo ibafasha gukemura gahunda zabo batavunitse

Abaturage baravuga imyato Mobile Money, bayifata nka banki ibegereye

Yanditswe na SEZIBERA ANSELME

Ku ya 10-10-2018 saa 17:55:24

Uko iminsi igenda yicuma ni ko iterambere mu ikoranabuhanga rigenda ryiyongera ndetse rikagenga ubuzima bwa muntu uko bwije uko bukeye.

Iyo bigeze kuri MTN Mobile Money, abaturage baguhamiriza ko bigoye kugereranya uko bari babayeho itaraza n’uyu munsi, kuko ngo yabakuye mu bwigunge mu buryo butandukanye.

Hari abayifata nka banki ibegereye kuko aba ‘agents’ ba MTN baba bari hirya no hino mu makaritsiye, mu gihe mbere wagendaga ibirometero byinshi ujya gushaka amabanki.

Izo ngendo zajyanaga no gutakaza umwanya kandi niba hari ikintu gihenze mu buzima ku buryo iyo kigucitse utongera kukibona ni igihe. Ubwo ntituvuze ayo shoferi akwishyuza y’urugendo.

Mukankuranga Leotarie ukora umwuga w’ubudozi asobanura ko icyo ashimira Mobile Money ari uko imufasha kugura umuriro wo gucana no kugura ‘amayinite’(amafaranga yo guhamagaza cyangwa kwandika ubutumwa) muri telefoni.

Avuga ko hejuru y’ibyo iyi serivisi inamufasha kwishyura amazi, mituwele, kwirebera ikiciro cy’ubudehe aherereyemo n’ibindi akabikora yibereye ku kazi atagombye gufunga.

Mukaburasa Theresie acuruza butike mu Kagali ka Gahogo, Umurenge wa Nyamabuye mu Mujyi wa Muhanga. Kuri we, Mobile Money ni banki yegereye abaturage.

Yabwiye Imvaho Nshya ati: “Mobile Money nyigereranya nka banki yegereye abaturage kubera ko nkatwe dukora akazi ko gucuruza muri butike biratworohera kuko umwanya wo kujya mu mabanki uratugora ndetse bikarangira tunawubuze.”

Mukaburasa asobanura ko amafaranga bakorera mu kazi ka buri munsi bagenda bayaranguza bakongera bakayashyira mu mabutike bityo mu gihe hari icyo yifuje kuba yarangura kindi ku maduka babimwoherereza na we agahita yishyura ibyo asabye.

Bucyensenge Oreste ni umucuruzi wa Mobile Money n’izindi serivisi kuva mu mwaka wa 2014, avuga ko Mobile Money ayifashisha abitsaho amafaranga ntihabe hari uwabasha kuyamutwara.

Uyu musore avuga ko ubundi amafaranga umuntu abitse mu mufuka biba byoroshye kuba yayata cyangwa bakayamwiba, ariko iyo ari kuri konti ya Mobile Money aba afite umutekano wizewe.

Avuga ko mbere y’uko iyo serivisi ishyirwaho amafaranga kenshi yayabikaga mu iduka rye cyangwa yaba akiri make akayitwaza mu mufuka, rimwe na rimwe bikamukururira abajura.

Avuga ko aho Mobile Money yaziye yagabanyije imirongo ku mabanki y’abifuza kubikuza no kubitsa nka kimwe mu byafataga umwanya munini ugasanga n’indi mirimo irangiritse.

Bucyensenge avuga ko serivisi ya Mobile Money imufasha koherereza abantu amafaranga aho atabashije kuba yagera uwo mwanya. Agira ati: “Nk’ubu simperuka kuva hano nerekeza iwacu mu cyaro gukemurayo ibibazo bisaba amafaranga kubera ko imfasha kuyoherereza uwo dufitanye gahunda ntatakaje umwanya wo gutega no gukoresha amatike”.

Uyu musore ucururiza mu mu mujyi wa Muhanga, atangaza ko iyo ayitanze ku baturage hari amafaranga MTN imugenera ku kwezi nk’igihembo, bikamufasha kwiteza imbere.

Gusa anenga ko amafaranga MTN igenera abatanga serivisi za Mobile Money bazwi nk’aba ‘agents’ akiri make, agasaba ko agenwa hashingiwe ku mubare w’abakiriya aba afite.

Ikindi kigaragara nk’imbogamizi yifuza ko cyakwigaho ni uko ibiciro biriho mu kohererezanya no kubikuza bikiri hejuru nk’uko abamugana babimutangariza.

Agira ati: “Kuva ku ifaranga 1 kugera ku 10 000 bakata amafaranga 550 aho uwohereza akatwa 275 naho ubikuza agakatwa 250, mu gihe kuva ku mafaranga 10001 kugera ku 20 000 bayakataho 600 uwohereza agakatwa 350 naho ubikuza agakatwa 275”. Gusa avuga ko ari serivisi bigaragara ko ikunzwe cyane n’abaturage.

Mukankuranga ukora ubudozi ashimangira ko kuba yaritabiriye gukoresha Mobile Money byahinduye imibereho ye, biza kumushismisha kurushaho haje Mokash itanga inguzanyo.

Agira ati: “Mobile Money iduha amahirwe yo gukoresha Mokash nka serivisi nziza ya MTN iduha inguzanyo tugakemura ibibazo bije nta kintu k’ifaranga na rimwe umuntu yari asigaranye mu rugo. Nkange ubu ngeze ku rwego rwo kugurizwa amafaranga 15.000 kandi sinigeze nyapfusha ubusa kuko nayaguzemo ikibwana k’ingurube kimaze kubyara inshuro 2 nkaba naragurishijeho nkanasigarana izindi ngurube 6”.

Abaganiriye n’Imvaho Nshya kuri Mobile Money bahuriza ku kuvuga ko ari serivisi yaje ikenewe, ariko bagasaba MTN kunoza ibijyanye n’inozanzira (network) kugira ngo havanweho ugutinzwa n’iyo serivisi mu gihe kifuzwaga.

Abakiriya bahabwa serivisi za Mobile Money bishimira uburyo ibafasha gukemura gahunda zabo batavunitse

Mobile Money yashyizweho ngo iruhure abarushye

Umukozi ushinzwe gukurikirana serivisi ya Mobile Money muri MTN Rwanda, Rutagengwa Arthur, asobanura ko serivisi ya Mobile Money ibarizwa mu ishami rya MTN Business ishinzwe ubucuruzi.

MTN ivuga ko yatangije serivisi ya Mobile Money nyuma yo kubona ko yari imaze kwamamara mu bijyanye no guhamagara, kohererezanya ubutumwa (SMS) no mu gukoresha interineti.

Atangaza ko mu mwaka wa 2009 MTN Rwanda ari bwo yasanze uruhererekane rw’amafaranga nta mutekano rwari rufite.

Rutagengwa avuga ko aho ariho havuye igitekerezo MTN Rwanda ishyiraho iyo serivisi ikora mu buryo bwo guhererekanya amafaranga. Agira ati: “Byasabaga umuntu kwiyandikisha muri Mobile Money, hakabaho gufunguza konti, ukabitsa kuri telefone, kandi ukagira n’umubare w’ibanga kugira ngo bitange umutekano”.

Akomeza avuga ko mu Rwanda MTN ari yo ya mbere yatangije kwishyura umuriro w’amashanyarazi kuri Cashpower hakoreshejwe serivisi ya Mobile Money.

Yaje ikurikirwa na serivisi yo kwishyura hashingiwe ku bintu abantu bakenera cyane mu buzima bwa buri munsi nk’ifatabuguzi rya televiziyo, amafaranga y’ishuri, kwishyura amazi, imisoro n’amahoro umuntu yifashishije Irembo.

Hagamijwe kugira ngo MTN igabanyirize ingendo n’umwanya abantu batakaza bari muri banki, yashyizeho uburyo bwiswe “Bank push pull” bufasha abantu kohereza amafaranga kuri konti yabo ya banki kandi umuntu akaba yanayavanaho akayashyira kuri telefone yabo.

Rutagengwa agaragaza ko MTN imaze kugira abantu bakoresha iyo serivisi bagera ku 600.000, Zigama CSC ikaba ari yo iza ku isonga mu bakiriya b’iyo serivisi kuko abasirikare bakunda koherereza amafaranga imiryango yabo.

Muri ubwo buryo bwashyizweho MTN ikaba ikorana n’amabanki 12 yo mu Rwanda harimo n’ibigo by’imari.

Mu guca akajagari ka Banki Lamberi MTN yashyizeho serivisi ya “MOKASH” ku bufatanye na banki yo muri Kenya CBA.

Kugeza ubu Abanyarwanda bamaze kwiyandikisha muri iyo serivisi bagera kuri miliyoni imwe kandi bamaze gusohora miliyari 1.5 itangwa nk’inguzanyo.

“Mobile Money si umushinja ugamije kungukira MTN”

Rutagengwa asobanura ko Mobile Money mu bihugu byateye imbere ibijyanye n’ibiciro (Transaction cost) bigabanuka bitewe n’inshuro abantu bakoresha iyo serivisi.

Uyu munsi amafaranga MTN yakira ikuye mu bakiriya bayo agera kuri 49% ngo iyaha abakozi bayo (agents) 26 000 bakora buri kwezi mu gihe mu gihugu hose ifite abagera ku 60 000.

Avuga ko andi asigaye angana na 51% avamo imishahara y’abakozi bayo n’ibikoresho bifashisha agahamya ko ari serivisi ifasha abaturage.

Agira ati: “Uyu munsi iyo ugiye kubitsa ku mukozi wacu umuha 1000 akaguha 1000 hanyuma twebwe tukamuha agahimbazamusyi kuko yagufashije wajya kubikuza tukakwishyuza kandi na yo tukayamuha tumushimira”.

Rutagengwa yemeza ko ari serivisi yitwa ko ari inyongeragaciro. Agira ati: “Umwaka wa 2009 ujya kurangira serivisi ya Mobile Money yari ifite abakiriya 20.000, uyu munsi dufite abakiriya bakabakaba miliyoni 4. Mu ntangiriro z’iyo serivisi mu 2009 twari dufite abakiriya bakora ihererekanya (Transaction) 2.000 mu kwezi kumwe hagatambutswaho amafaranga 14.000 ariko ubu dufite abasaga miliyoni 2 bihererakanyaho amafaranga hafi 21.000 bakora iryo hererekanya. Impamvu yateye iryo zamuka n’inyigisho, kumurika, itumanaho n’ibindi. Amafaranga aca muri Mobile Money akaba ari miliyoni 150 ku kwezi muri uyu mwaka zivuye kuri miliyoni 13 mu 2009”.

Rutagengwa avuga ko MTN igihura n’imbogamizi mu kunoza serivisi ya Mobile Money zishingiye ahanini ku kuba umuco wo gusoma no kwandika utaragera ku rwego rwifuzwa.

Ibyo ngo ni inzitizi ikomeye kuko gukoresha Mobile Money bisaba umuntu gusa n’uganira na telefone ikakuyobora mu buryo bw’inyandiko.

Hari kandi amatelefone akiri makeya cyane cyane mu biturage agasanga hagomba ubukangurambaga ku bigo nka BNR, RURA, Polisi, MINALOC n’abandi.

Indi mbogamizi MTN ivuga igihura na zo, ni ukuba hari abantu bagitsimbaraye ku kubika amafaranga mu ntoki, kudakoresha neza bihoraho serivisi ya Mobile Money ugasanga bayikoresha mu gihe bahuye n’ikibazo kihutirwa bifuza gukemura, abandi bakumva ko telefone zibitseho ayo mafaranga zakwibwa bakayahomba kandi atari ko bimeze.

Rutagengwa Arthur, umukozi ushinzwe gukurikirana serivisi ya Mobile Money muri MTN

MTN mu mishinga iteganya imbere mu korohereza abaturage

Rutagengwa avuga ko MTN Rwanda iteganya gufasha abantu kwishyura amafaranga y’umutekano n’isuku, hakabamo gushyira ingufu mu gufasha abantu kwishyura ingendo bakoresheje “Yego Moto, Yego Car” kugira ngo ubuzima bw’abantu bworohe.

Akomeza avuga ko MTN yifuza gukorana na BNR kugira ngo harebwe uko abacuruzi bajya bakira amafaranga ya Mobile Money y’ukuntu bacuruje muri serivisi yatangijwe yiswe “Momo Pay” ndetse n’uko bajya bahabwa inguzanyo.

Agaragaza ko kugeza ubu abacuruzi bamaze kuyitabira ari 11.000 bakira amafaranga kuri Mobile Money.

Avuga ko umukiriya iyo yishyura ari ubuntu hanyuma uwakiriye amafaranga agakurwaho 1% mu gihe banki zo zivanaho 2.5%.

Avuga ko batangiye gukorana na koperative y’abamotari kugira ngo bashobore kwizigamira, ndetse no kwibanda mu gufasha abantu bakoresha Tap&Go mu mabisi.

Mu gusubiza ibibazo by’abakiriya bijyanye na network nkeya ijya ibangamira serivisi za Mobile Money, Rutagengwa avuga ko MTN imaze igihe ivugurura imiyoboro yayo ku buryo hasigaye Intara y’Iburangerazuba n’Iburasirazuba.

Gusa avuga ko ubu MTN itanga network ku kigero cya 99% ku buso bw’ubutaka uvanyemo ahari amashyamba n’amazi nk’uko urubuga rwa RURA rubigaragaza.

Agaruka ku kibazo cya MOKASH aho abakiriya bamwe batabona inguzanyo, Rutagengwa asobanura ko kuyikoresha bisaba kuba umuntu amaze amezi 6 akoresha umurongo wa MTN kugira ngo bamenye ubuzima bwe kuri MTN.

Hanyuma ku bijyanye n’inguzanyo ntarengwa itangwa, yo ngo ishingira mu kureba uburyo umuntu ahamagaramo, inshuro ahamagara, amafaranga akoresha ahamagara, uko akoresha interineti, Mobile Money n’ibindi.

Ikindi ni ukubanza gufunguza konti hanyuma ukanizigamira umuntu ahereye ku giceri k’ijana gusa hanyuma uko ukomeza ukoresha serivisi ya MTN akaba ariko inguzanyo yiyongera.

Inguzanyo umuntu ahawe ayishyura mu kwezi atanze inyungu ya 7% habaho ubutinde hagatangwa inyungu ingana na 10% byagera ku mezi 3 uwo mukiriya agatangwa ku rutonde rwa bihemu muri CRB.

MTN Rwanda ifite intego zo korohereza abaturarwanda gukemura gahunda za buri munsi batavunitse kandi badahenzwe (Foto Gentil)

TANGA IGITEKEREZO

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