U Rwanda, Ghana na Singapore byatangije sisitemu yo kwishyura yambukiranya imipaka

Banki Nkuru y’u Rwanda (BNR) na Banki Nkuru ya Ghana, ku bufatanye n’Ikigo Global Finance and Technology Network (GFTN) cyo muri Singapore, batangije urubuga rushya rw’ikoranabuhanga rigezweho mu kwishyurana ryambukiranya imipaka, ryitezweho guteza imbere ubukungu bw’Umugabane w’Afurika.

Uyu mushinga ugamije koroshya no kwihutisha ibikorwa byo guhererekanya amafaranga mu gihe nyacyo (real-time) mu kwishyurana hagati y’ibihugu, bityo ugateza imbere ubukungu bwa Afurika bushingiye ku ikoranabuhanga.

GFTN, wahoze uzwi nka Elevandi, ni umuryango udaharanira inyungu washinzwe n’Ikigo gishinzwe Imari n’Ubukungu cya Singapore (Monetary Authority of Singapore – MAS) mu mwaka wa 2024, hagamijwe kwagura uruhererekane rw’amafaranga akoreshwa muri serivisi z’imari ya Singapore, no ku rwego rw’Isi.

Uyu mushinga mushya, wari uzwi ku izina rya Project 54, watangijwe ku mugaragaro ku wa Kabiri, tariki ya 25 Gashyantare 2025, mu nama yiswe Inclusive Fintech Forum 2025, yiga ku guteza imbere ikoranabuhanga ridaheza mu bigo by’imari n’amabanki.

 Iyi nama yahuje abarenga 3 000, barimo abayobozi ba za Guverinoma, abari mu nzego zifata ibyemezo bya politiki, abagenzura imikorere y’imari, inzobere mu ikoranabuhanga, abashoramari n’abandi.

Iterambere ry’ikoranabuhanga ryihuta ku buryo budasanzwe mu bukungu butandukanye, aho ubwenge bw’ubukorano (artificial intelligence), amafaranga y’ikoranabuhanga (digital currencies), ndetse n’ikoreshwa ry’imari mu buryo bwimbitse (embedded finance) byavuye mu rwego rw’ikoranabuhanga rishya bikaba imbarutso zikomeye zihindura uburyo serivisi z’imari zitangwamo.

Serivisi z’imari zisunze ikoranabuhanga muri Afurika ziganjemo izikorerwa mu bigo by’ikoranabuhanga mu by’imari, bikaba byitezweho kwinjiza miliyari 40 z’amadolari y’Amerika mu 2028.

Icyakora, abakora muri uru rwego rurimo gutera imbere byihuse kenshi bagaragaza imbogamizi zishingiye ku mategeko akigenga uru rwego ndetse n’ibikorwa remezo bike by’ikoranabuhanga, bikibangamira ishyirwa mu bikorwa ry’izo serivisi.

Banki Nkuru y’u Rwanda ivuga ko kwihutisha ibikorwa by’ubuyobozi, inzego z’imari n’abikorera mu rwego rwo gushyira mu bikorwa ibyo bikorwa by’iterambere rusange.

Iyo banki yavuze kandi ko kugira iyo gahunda yihutishwe muri izi mpinduka bisaba gushyiraho ingamba zihuse ku ruhande rw’abagenzura, ibigo by’imari, ndetse n’abacuruzi kugira ngo iyo gahunda nshya itezwe imbere mu buryo bwubaka ubukungu butagira uwo buheza.

Uyu mushinga watekerejweho kandi wemezwa  binyuze mu biganiro bitandukanye byabereye mu nama zirimo iya  3i Africa Summit i Accra, muri Zurich Point Zero Forum, n’iserukiramuco Singapore FinTech Festival.

Byagaragaje ko Afurika ifite imwe muri sisitemu z’imari zihuta cyane mu guhanga udushya, nyamara ibikorwa by’ubucuruzi byambukiranya imipaka bikigorana kandi bihenze, bikabangamira ubucuruzi n’uburyo abantu bibona mu bukungu.

Uyu mushinga wo guteza imbere ibikorwa remezo by’ikoranabuhanga mu bigo by’imari uzana igisubizo kuri izi mbogamizi, nk’uko Rwangombwa yabisobanuye.

Yongeraho ko utagarukira gusa ku ikoranabuhanga, ahubwo unatanga ubushobozi mu bukungu butajegajega, guteza imbere ikoranabuhanga mu bukungu bw’Afurika rishingiye ku bikorwa remezo, aho bizazamura urwego rw’ubucuruzi n’iterambere ry’abaturage.

Uwo mushinga wo kwishyurana hakoreshejwe ikoranabuhanga wubakiye ku nkingi eshatu.

Harimo kubaka ibikorwa remezo byizewe ku buryo bizatanga umutekano usesuye mu kwishyurana, kugenzura ubwo buryo n’Indangamuntu z’ikoranabuhanga rusange zifasha mu kugendana neza muri serivisi z’imari, hamwe na sisitemu yo kwishyurana ishobora guhuza uburyo butandukanye, bizashyiraho urubuga ruhuriweho rw’ibijyanye n’imari, rutuma ibikorwa by’ubucuruzi byambukiranya imipaka muri Afurika bikorwa mu gihe nyacyo.

Uburyo bushya bwo buzatanga uruhushya rukora mu bihugu byinshi (license passporting) hamwe no gusangira amakuru, bizatuma habaho kongera ubuziranenge bw’amakuru no kongera iyinjizwa ry’abantu bose mu bukungu binyuze mu guhererekanya amakuru yizewe y’abikorera n’abantu ku giti cyabo mu buryo bwizewe kandi mu bihugu bitandukanye.

Rwangombwa yagize ati: “Nk’abarinzi b’urwego rw’imari, tugomba gukomeza kwiyemeza gukuraho inzitizi, guteza imbere ubucuruzi, no kurema amahirwe afunguriye bose. Binyuze mu mishinga nk’uyu, turimo gushyiraho ejo hazaza h’urwego rw’imari rwa Afurika.”

Johnson Asiama, Guverineri wa Banki Nkuru ya Ghana, yavuze ko uyu mushinga ari intambwe ikomeye mu rugendo rwo gushyiraho isoko ry’imari ryunze ubumwe muri Afurika, rifite ubushobozi bwo kuzamura imibereho y’abaturage no kurema amahirwe ku bashoramari, cyane ibigo bito n’ibiciriritse.

Ati: “Gushaka uburyo bwo kwishyura bwizewe, buhendutse, kandi bwihuse ku rwego rw’Akarere, bufashijwe na gahunda yo gutanga uruhushya rukoreshwa mu bihugu byinshi (license passporting framework), ni indi ntambwe y’ingenzi mu iterambere.”

Yakomeje avuga ko kunoza uburyo bwo kugenzura imari bishobora gufasha kugera ku murongo uzira gutakaza ihuza ry’ukutajegajega k’urwego rw’imari n’izamuka ry’ubukungu rishingiye ku guhanga udushya.

Hazanarebwa uburyo bwo kwinjiza no guteza imbere ikoranabuhanga, hagamijwe gukoresha imikoreshereze y’amafaranga y’ikoranabuhanga e mu guhanga ibishya.

Byongeye, uyu mushinga uzagira igishushanyo cy’uburyo bwo gushyiraho ibiciro ku bikorwa by’imari bifite agaciro gake ndetse n’afite agaciro kanini, hagamijwe gukomeza kwemeza inyungu z’uyu mushinga mu buryo burambye.

Uzahuza kandi abafatanyabikorwa batandukanye barimo abagenzura urwego rw’imari, ibigo by’imari, abahanga mu ikoranabuhanga ry’imari (fintech innovators), n’abashoramari mu rwego rwo gufatanya gushyiraho urusobe rwishyurwa rukomeye kandi rufite ejo hazaza harambye.