Uburyo E-Ndangamuntu igiye koroshya ubuzima

Ikigo cy’u Rwanda gishinzwe Indangamuntu(NIDA) kivuga ko nyuma yo gutanga indangamuntu koranabuganga muri uyu mwaka wa 2026, serivisi zizatangwa neza ku baturage harimo no kubarinda kujya kuri banki gushaka amafaranga agendanwa mu mifuka.

NIDA ivuga ko inimero imwe y’iyo ndangamuntu izaba ari umwihariko wa nyirayo, ibi bikamufasha kutongera guhangayika akoresha indi ndangamuntu nk’uko byari bisanzwe, kandi ikazamufasha guhabwa serivisi mu buryo bworoshye.

Umuyobozi w’Ishami rishinzwe gukora no gutanga Indangamuntu mu Kigo cy’Igihugu cy’Indangamuntu, NIDA, Manago Kayihura Dieudonné, yasobanuriye RBA uko imibereho y’abantu igiye guhinduka nyuma y’itangwa ry’Indangamuntu koranabuganga bitarenze uyu mwaka wa 2026.

Yagize ati “Reka tubanze turebe uburyo umuturage yabonaga serivisi, iyi ndangamuntu ije ifite inyungu nyinshi ku muturage, icya mbere ni ukwihutisha serivisi, twajyaga dukora indangamuntu ariko ugasanga ya mibare iragenda ihindagurika (buri uko dukoreye umuntu indangamuntu nshya isimbura iyatakaye/iyangiritse).”

Ati“Icyo twasanze ari imbogamizi kuko iyo amaze guta indangamuntu rimwe kabiri gatatu, iyo agiye gusaba serivisi baramubwira bati ‘oya, banza ujye kuri NIDA baguhe ibaruwa igaragaza ko mwahinduye Indangamuntu, mu mitangire ya serivisi ntabwo navuga ko ibyo ari byiza ku muturage, kuko habayeho kumusiragiza.”

Kuzuza imyirondoro kugira ngo abantu bazahabwe iyo ndangamuntu birimo kujyana n’igerageza ry’ifaranga koranabuhanga ryitwa CBDC, ku buryo imirongo muri banki, cyangwa gusiragira mu nzego za Leta n’ahandi, bizaba byarabaye amateka mu myaka iri imbere.

Manago akomeza agira ati “Ubu twinjiye mu bukungu bushingiye ku ikoranabuhanga aho udakora ku mafaranga, tekereza kuri wa muturage wajyaga muri banki kubikuza amafarang! Arabyuka akajyayo, akajya ku murongo, agasunikana n’abandi kugeza ubwo bamugezeho, bakamuha amafaranga akayabika, agasohoka akajya ku isoko, agahaha, agataha iwe mu rugo, ayo mafaranga bakaba banayamwiba.”

Avuga ko iyi ndangamuntu nimara gutangwa umuntu uzaba yibereye iwe mu rugo, adahagurutse aho ari, azafata telefone akoreshe app y’ifaranga koranabuhanga riri kuri konti yafunguwe hifashishijwe iyo ndangamuntu koranabuhanga agure ibintu, yohereze amafaranga aho aguze ibintu cyangwa serivisi.

Ibi bikaba bizagerwaho hifashishijwe iyi nimero idahinduka y’umuntu, ati “Kandi icyo gihe uba uzi ngo ‘ni nde uri guha serivisi, ni ukuvuga ngo wa muntu arazwi, ntabyo kumutekerezaho cyane.”

Manago avuga ko hashingiwe ku itegeko ry’indangamuntu koranabuhanga n’itegeko ry’amakuru bwite y’umuturage, hari indangamuntu izatangwa ku baturage badafite telefone zigezweho(smart phone), izaba iriho ifoto n’inimero gusa.

Manago avuga ko iyi ndangamuntu itazatakara kuko umuntu uzata agakarita kayo azajya ahita ajya gushaka akandi aho ageze hose bakamuhe kariho ya nimero n’ifoto ye, ariko mu gihe yaba afite smart phone akazaba yorohewe kuko azashyiramo application ikora serivisi zose zimusaba kwerekana indangamuntu.

Ikigo NIDA kivuga ko cyarebye aho bamaze gukoresha indangamuntu koranabuhanga ku isi nka Singapore, Estonia, Lithuania n’ahandi, ngo basigaye bakoresha indangamuntu koranabuhanga bikaruhura abaturage ingendo nyinshi n’umwanya byababuzaga gukora.

Kugeza ubu Ikigo NIDA kimaze kugera mu turere dutandatu mu munani tw’intara y’amajyepfo, mu mujyi wa Kigali wose no mu turere 3 twa Ngoma, Bugsera na Kirehe mu kwandika no gufotora abazahabwa indangamuntu.

NIDA ivuga ko igeze ku rugero rwa 38% mu kwandika no gufotora abazahabwa indangamuntu y’ikoranabuhanga, hakaba hasigaye uturere tune tw’Iburasirazuba, Intara y’Amajyaruguru n’Iburengerazuba, ndetse n’uturere twa Nyaruguru na Nyamagabe mu Majyepfo.