Iyi serivisi yamuritswe ku wa 5 Ugushyingo 2026, mu muhango wabereye i Kigali, ikaba igamije korohereza abaturage kugera kuri serivisi z’imari no kuzibyaza umusaruro mu bikorwa byabo bya buri munsi.

EMMA izajya ikoreshwa binyuze kuri porogaramu yo muri telefone (application) cyangwa hakoreshejwe uburyo bw’akanyenyeri (USSD), bityo abayikoresha babashe kubona serivisi zitandukanye bitabaye ngombwa ko bajya ku mashami ya banki.

Iyi serivisi inakoresha ikoranabuhanga rya eKash, rizajya rifasha abakiliya guhererekanya amafaranga hagati ya EMMA, konti zo mu zindi banki, MTN Mobile Money na Airtel Money.

Umuyobozi Mukuru wa Equity Bank Rwanda, Hannington Namara, yavuze ko EMMA igamije gufasha abaturage kurenga urwego rwo kubitsa no kohererezanya amafaranga gusa, bakagera no ku zindi serivisi z’imari zabafasha kwiteza imbere.

Ati “Hari byinshi byakozwe kugira ngo abaturage bagere kuri serivisi z'imari. Muri Equity, turashaka ko izo serivisi zibafasha gutera imbere mu bukungu.”

Namara yagaragaje ko nubwo ubushakashatsi bwa FinScope bwo mu 2024 bwerekanye ko 96% by’Abanyarwanda bakuze bagerwaho na serivisi z’imari, abafite konti muri banki ari 22% gusa.

Yasobanuye ko EMMA izajya yifashisha amakuru y’ibikorwa by’imari umukiliya yakoze kugira ngo isuzume ubushobozi bwe bwo kwishyura inguzanyo.

Ibi bishobora gufasha abakiliya kubona inguzanyo badasabwe ingwate zisanzwe cyangwa ngo banyure mu nzira ndende zo kuzuza inyandiko zitandukanye.

Ati “Intego dufite kuri EMMA ni uko ibikorwa by'imari umukiliya yakoze bizajya bimubera ingwate.”

Serivisi zimwe za EMMA zizajya zitangirwa ubuntu

Equity Bank Rwanda yatangaje ko gufungura konti ya EMMA no kuyitunga bizajya bikorwa ku buntu.

Kohereza amafaranga hagati y’abakoresha EMMA, kuyohereza kuri konti za Equity Bank, kugura ama-inite, kubitsa ku bahagarariye banki (agents) bemewe no kwishyura abacuruzi bakorana n’iyi banki na byo bizajya bikorwa nta kiguzi.

Ku rundi ruhande, kohereza amafaranga mu zindi banki cyangwa kuri Mobile Money bizajya bisaba 20 Frw kuri buri gikorwa, mu gihe kubikuza no gukoresha zimwe mu zindi serivisi bishobora kugira ibiciro byihariye.

Namara yavuze ko EMMA izanafasha gukemura imbogamizi zaterwaga n’amasaha banki zisanzwe zikoreraho, aho abaturage bakeneraga serivisi z’imari nijoro, mu mpera z’icyumweru cyangwa mu biruhuko bakazibura.

Ati “Akenshi banki zishinjwa kutagira serivisi zihoraho, iyo dufunze ku mugoroba, abantu bahita bajya kuri mobile money. Muri weekend, iminsi y’ibiruhukom ntabwo dutanga serivisi zihoraho nka banki.”

Uretse kwishyurana no kohererezanya amafaranga, EMMA izajya itanga uburyo butandukanye bwo kwizigama, burimo ubwizigame busanzwe, ubw’igihe cyagenwe ndetse n’ubwizigame butanga inyungu.

Abakiliya bazajya banashobora gusaba inguzanyo hakoreshejwe ikoranabuhanga, ndetse no kubona serivisi ibemerera gukoresha amafaranga arenze ayo bafite kuri konti (overdraft), hakurikijwe ibisabwa.

Abahinzi na bo batekerejweho

Muri EMMA harimo serivisi yiswe EquiFarm, igenewe abahinzi, by’umwihariko abakorana n’ibigo bibagurira umusaruro cyangwa bibahuza n’amasoko.

Iyi serivisi izajya ibafasha kwishyurwa umusaruro wabo, kubona uburyo bwo kugura inyongeramusaruro no gusaba inguzanyo zijyanye n’ibikorwa by’ubuhinzi.

Biteganyijwe ko izafasha abahinzi kubona serivisi z’imari mu buryo bworoshye, bityo ikabunganira mu bikorwa byo kongera umusaruro no guteza imbere ubuhinzi bwabo.

Equity Bank Rwanda inateganya kongera muri EMMA uburyo mpuzamahanga bwo kwishyurana no guhererekanya amafaranga, burimo Apple Pay, Alipay na PayPal.

U Rwanda ni rwo gihugu cya mbere mu byo Equity Bank ikoreramo iyi serivisi yatangirijwemo, ariko biteganyijwe ko izagenda igezwa no mu bindi bihugu iyi banki ikoreramo.