RWANDA: Ikoranabuhanga Rishya rya Virtual Card ni Uburyo MoMo Rwanda na Mastercard Bafunguye Amarembo y’Ubucuruzi Mpuzamahanga ku Banyarwanda

Mu rwego rwo guteza imbere ubukungu budashingiye ku mafaranga afatika no gukomeza kwagura imiyoboro y’ubwishyu, Mobile Money Rwanda Limited (MoMo Rwanda) ifatanyije na Mastercard batangije ikarita nshya ya "Virtual Card by MoMo". Ubu buryo bushya bwitezweho kuvana benshi mu baturage mu buryo bw’ubukungu bwa gakondo, bukabinjiza mu isi y’ikoranabuhanga.

Kuva ubwo ubukungu bw’isi bwahindukaga mu buryo bwihuse, ikoranabuhanga ryihuta ryashyizwe imbere n’ibihugu byinshi nk’igikoresho cy’ingenzi mu kwihutisha iterambere. Mu Rwanda, MoMo Rwanda, ifatanyije na Mastercard ndetse na Banki ya I&M, batangije uburyo bushya bwo kwishyura hifashishijwe ikarita y'ikoranabuhanga itagaragara (Virtual Card). Iyi gahunda ije mu rwego rwo gufasha abanyarwanda kugera ku masoko yo ku isi hose biciye mu bucuruzi bukorwa kuri murandasi.

Abakiriya ba MoMo kugura ibintu cyangwa kwishyura serivisi zitandukanye kuri murandasi ku isi hose, aho Mastercard yemerewe. Ubu buryo bushya butuma umuntu adakeneye gukoresha ikarita isanzwe ya plastiki, ahubwo ahabwa nimero ya karita, itariki izarangiriraho, n'umubare wa CVV, byose abona kuri telefone ye. Ubufatanye bugamije iterambere rirambye: Iyi gahunda ni imwe mu byavuye mu bufatanye bwa Mastercard na MTN Group, bugamije kongera uburyo bwo gutanga no kwakira amafaranga, ndetse no kohereza amafaranga mu buryo bw’ikoranabuhanga. Kubera ko ubu bufatanye bukorera mu bihugu 13 bya Afurika, abanyarwanda babifitemo inyungu zikomeye, cyane cyane mu bijyanye no kugera ku masoko y’isi. Kugera ku masoko yo ku isi yose ni Ukwishyura serivisi n’ibicuruzwa kuri murandasi, Gukora ibikorwa by’ubucuruzi mpuzamahanga, Kugabanya impungenge zijyanye no gutwara amafaranga menshi mu ntoki, Kwirinda ubujura kuko ikarita ikoreshwa ari iy'ikoranabuhanga Mastercard ikomeje kugaragaza uruhare rwayo mu gufasha ibigo by’itumanaho n’imari guteza imbere ubukungu bushingiye ku ikoranabuhanga. Amnah Ajmal, Umuyobozi ushinzwe iterambere ry’isoko muri Mastercard (EEMEA), yavuze ko uyu mushinga uzafasha cyane cyane ibigo bito n’abantu bari batagerwaho n’ibigo by’imari.

Uruhare rwa Banki ya I&M: Banki ya I&M izatanga ubufasha bw’ikoranabuhanga ndetse no kubungabunga umutekano w’imari. Iyi banki izagira uruhare runini mu kurushaho kwimakaza gahunda y’igihugu yo kwigobotora ikoreshwa ry’amafaranga afatika. Gushyigikira gahunda y’igihugu y’ubukungu budashingiye ku mafaranga afatika: U Rwanda rufite gahunda yo kugera ku bukungu butagenderaho amafaranga mu ntoki (cashless economy). Iyi Virtual Card izashyigikira iyi gahunda kuko izatuma abanyarwanda bamenyera kwishyura hakoreshejwe ikoranabuhanga. Ingaruka nziza ku bukungu n’abaturage: Kongera umubare w'abakoresha ikoranabuhanga mu bucuruzi, Kwagura amasoko y’abacuruzi bato n’abaciriritse, Kongera ubumenyi mu bijyanye n’ikoreshwa ry’ikoranabuhanga, Kunoza uburyo bwo gucunga umutungo ku bantu ku giti cyabo no mu bigo, Uruhare rw'abaturage mu gukoresha iri koranabuhanga: Gukoresha Virtual Card bisaba kuba ufite konti ya MoMo, ushobora kuyisangaho ugakoresha kode ya *182#. Iyo winjiye kuri konti yawe, ushobora gusaba iyi karita ikazakwerekezaho amakuru uyikoresha. Abaturage bagomba kwihugura ku buryo bwo gukoresha Virtual Card kugira ngo batagwa mu mutego w’abatekamutwe. Ibigo by’ubucuruzi bikwiye gukoresha ubu buryo mu kwakira ubwishyu kugira ngo bijyane n’ibihe. Leta ikwiye gukomeza kwigisha abaturage ibyiza byo kwishyura hakoreshejwe ikoranabuhanga.

Virtual Card by MoMo ni intambwe ikomeye u Rwanda ruteye mu rugendo rwo guteza imbere ikoranabuhanga mu by’imari. Ubu buryo buzafasha cyane abanyarwanda bari bafite imbogamizi zo kugera ku masoko mpuzamahanga, bwongere icyizere mu bucuruzi, ndetse bunafashe kugabanya ikoreshwa ry’amafaranga mu ntoki. Ubufatanye bwa MoMo Rwanda, Mastercard na I&M Bank bugaragaza icyerekezo cyiza cy’ahazaza h’ubukungu bw’u Rwanda.