IGIHE

Uruhare rw’ikoranabuhanga rya Tap&Go mu iterambere ry’ubukungu bw’igihugu

6 1-10-2019 - saa 07:21, IGIHE

Mu 2015 nibwo Patrick Buchana Nsenga yashinze AC Group, ikigo kiri mu by’imbere mu gutanga ibisubizo by’ikoranabuhanga, birimo iryo kwishyura imodoka zitwara abagenzi rizwi nka Tap&Go.

Iri koranabuhanga ryahinduye byinshi mu rwego rw’ubwikorezi mu Rwanda, ndetse rinashyigikira icyerekezo cy’igihugu cyo kubaka ubukungu budashingiye ku guhererekanya amafaranga mu ntoki.

Muri gahunda ya Guverinoma y’imyaka irindwi izarangira mu 2024, biteganyijwe ko i Kigali hazubakwa ahantu hihariye hazafasha Abanyarwanda n’abanyamahanga bafite impano zihariye kurushaho guhanga ibishya (Kigali Innovation City), gushyiraho Ikigega kigamije guteza imbere imishinga y’ikoranabuhanga n’ibindi.

Muri urwo rugendo, AC Group binyuze muri Tap&Go yatanze imirimo mishya, umutekano w’abagenzi urabungwabungwa ndetse ikoranabuhanga ikoresha rifasha gukusanya amakuru shingiro yafasha abayobozi gufata ibyemezo bitandukanye.

Nyuma yo gushinga imizi mu Rwanda, AC Group yanagejeje ibikorwa bigamije koroshya ingendo i Yaoundé muri Cameroun ndetse irateganya no gutangiza imirimo mu bihugu birimo Kenya na Angola.

Iterambere ry’ikoranabuhanga rikoreshwa mu bwikorezi rifite ingaruka zifatika mu kuzamura ubukungu bw’igihugu muri rusange.

- Ihangwa ry’imirimo mishya

Hashize imyaka irenga ine mu Rwanda hatangiye uburyo bwo kwishyura ingendo hakoreshejwe ikoranabuhanga rizwi nka Tap&Go. Ryakemuye byinshi, rinanoza imitangire ya serivisi mu gutwara abantu.

Ryazibye icyuho cy’amafaranga yashoboraga kurigitiramo bitewe n’umubare w’abantu benshi yacagaho ngo agere aho agomba kujya.

Mu 2015, iri koranabuhanga ritangizwa benshi bagaragaje ko hari ababuze imirimo cyane abakoraga akazi k’abakomvuwayeri.

Imibare igaragaza ko imirimo mishya yahanzwe ariyo myinshi kurusha iyari ihari ndetse ikoranabuhanga ryarayoroheje.

Abakomvuwayeri bagera kuri 375 bakoraga muri bisi mbere yo gutangiza ikoranabuhanga rya Tap&Go; benshi muri bo bahindutse aba-agents, abagenzuzi, abakurikirana ibikorwa byo gufasha abagenzi gusobanukirwa n’imiterere n’imikorere y’iryo koranabuhanga birimo n’uko amafaranga ashyirwa ku makarita.

AC Group ubu ifite aba-agents 311 baha serivisi abagenzi mu bice bitandukanye. Aba bakozi nibura bahabwa umushahara wa 500 000 Frw ku kwezi.

Ni akazi gasobanutse kuko bitandukanye n’imikorere yo hambere aho babaga bagongana n’abagenzi mu gihe cyo kwishyura amafaranga y’urugendo.

Usibye imirimo y’aba-agents, hari n’indi mirimo ikorerwa mu biro irimo iy’ikoranabuhanga, icungamutungo, iyamamazabikorwa n’izindi nzego z’ubuyobozi ikorwa buri munsi, mu rwego rwo gukomeza gushaka ibisubizo byo guhanga udushya tubereye Abanyarwanda.

Nubwo akazi k’abakomvuwayeri kakuweho, hari amahirwe ku mirimo mishya irenga 350 yahanzwe kandi ni urugendo rukomeje bijyanye na serivisi nshya n’icyerekezo cyo kwagukira ku yandi masoko.

AC Group hari imirimo yahanze ariko hari n’indi ishamikiye kuri serivisi za Tap&Go yatanze nk’ijyanye no gushyira internet ifasha abagenzi gukomeza gahunda zabo z’itumanaho mu gihe bari ku rugendo.

Abahoze ari abakomvuwayeri muri za bisi bamwe bahawe imirimo irimo kuba aba-agents ba Tap&Go

- Imikorere iciye mu mucyo

Hambere aha abagenzi batangaga amafaranga mu kwishyura urugendo, ku buryo byari bigoye kumenya amafaranga yakusanyijwe mu rugendo runaka.

Ikoranabuhanga ryarabyoroheje kuko ubu inyishyu yose ikozwe irabikwa ndetse umubare w’abishyuye ugashobora kubikwa muri buri rugendo rukozwe.

Ibigo by’ubwikorezi bifite ububasha butuma bigenzura neza amafaranga yinjijwe mu ngendo zose zakozwe.

Gukorera mu mucyo byazamuye ingano y’amafaranga ibigo byinjiza ku kigero cya 30% ugereranyije n’uko byari bihagaze. Nubwo hakiri ibigikeneye kunozwa mu kongera ibyinjizwa, ibigo by’ubwikorezi byateye intambwe mu kwagura ubwizigame bwabyo.

- Umutekano w’amafaranga y’abagenzi

Abishyurwa amafaranga mu ntoki baba bafite ibyago bitandukanye bishobora kuvuka muri urwo ruhererekane.

Gukoresha ikoranabuhanga mu guhererekanya amafaranga birizewe cyane kurusha gukoresha uburyo bwo kuyahererekanya mu ntoki no kugendana igifurumba cyayo.

Uburyo bwo kwishyura hifashishijwe ikoranabuhanga bwagabanyije ubujura bwashoboraga kubaho, abagenzi bamwe baburaga amafaranga.

- Gukusanya imibare ikoreshwa mu ifatwa ry’ibyemezo

Mbere yuko Tap&Go itangira gukoreshwa byasabaga igihe ngo hakusanywe imibare ijyanye n’urwego rw’ubwikorezi ariko rimwe na rimwe yazaga irimo amakosa.

Ikoranabuhanga ryahinduye ifatwa ry’ibyemezo kuko ubu imyanzuro yose iba yubakiye ku mibare n’amakuru y’abagenzi akusanywa mu gihe runaka.

Abahanga bagaragaza ko ishoramari n’ibigo byubakira ku byemezo bishingiye ku mibare byubaka ubushobozi buhambaye bubifasha guhatana n’ahandi ku isoko.

- Abari n’abategarugori bongerewe ubushobozi

Imwe mu nyungu zifatika mu gukoresha ikoranabuhanga mu gihe cyo kwishyura ni ugushyigikira ibyiyemejwe na G20 byo kuzamura uruhare rw’abagore mu bukungu no kububakira ubushobozi.

Umubiligi Frédéric Docquier [Yigisha muri Kaminuza Gatolika ya Louvain] ufite ubuhanga mu by’ubukungu afatanyije na bagenzi be mu 2009 bagaragaje ko ihererekanya ry’amafaranga ryifashishije ikoranabuhanga ryongerera ubushobozi abagore mu ngo zabo.

Bitandukanye no kuba umuntu yahabwa amafaranga mu ruhame, anyujijwe mu ikoranabuhanga atuma umuntu amenya uko ayakoresha kandi bijyanye n’icyo yayateganyirije kuko ataba ayafite mu ntoki ngo abe yayasesagura.

- Serivisi z’imari zidaheza

U Rwanda ruri mu bihugu biri mu nzira y’amajyambere ku Isi byashyizeho ingamba zifasha abaturage gutanga umusanzu mu iterambere rusange binyuze muri gahunda zigamije kubaka ubukungu budaheza no gutanga serivisi kuri bose.

U Rwanda rwashoboye kubaka ubukungu budaheza kugera kuri 89% mu 2016, binyuze mu ihererekanya ry’amafaranga hifashishijwe telefoni igendanwa.

Gukoresha ikoranabuhanga mu kwishyura ni bumwe mu buryo bw’ibanze bufasha abantu kuba bakoresha konti, hambere zakoreshwaga binyuze muri za banki.

Ibi byabaye imbogamizi kuri bamwe ariko icyo cyuho Tap&Go yagikuyeho kuko ikoreshwa na buri wese akagerwaho n’ubwo buryo bwo kwishyura.

Ubu buryo bwo kwishyura ingendo hifashishijwe ikoranabuhanga bizamura ubukungu bw’igihugu, bigira uruhare mu kubaka ubushobozi bw’abagore no kwimakaza ihame ryo gukomeza guhanga udushya na serivisi zigenewe bose.

Uburyo bwo kwishyura ingendo hifashishijwe ikoranabuhanga bizamura ubukungu bw’igihugu
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TANGA IGITEKEREZO

AMATEGEKO AGENGA IYANDIKA RY'IGITEKEREZO CYAWE

1
Seruhanga 2019-10-02 00:43:45

Tap

2
Narumiwe 2019-10-01 23:33:59

Bijendesha abantu,umuntu uvuye kimironko ajya nyabugogo n’uvuye Kacyiru ajya nyabugogo bishyura angana ? harimo ubujura ,hakabamo no kutwishyuza Internet itabaho urugero imodoka za kanombe nta Wi-Fi zigira kandi umugenzi aba yayishyuye 80frw

3
frank 2019-10-01 14:03:45

Byari byiza ariko bibangamira abava mu ntara ,surtout abantu bakuze,murebe ku kibazo cyudafite iyo card

4
frank 2019-10-01 14:03:45

Byari byiza ariko bibangamira abava mu ntara ,surtout abantu bakuze,murebe ku kibazo cyudafite iyo card

5
Cobra 2019-10-01 04:24:56

Hahahahaha!!! Umu agent wa Tap

6
Cobra 2019-10-01 04:24:56

Hahahahaha!!! Umu agent wa Tap

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