Yabigarutseho mu Nama y’lhuriro ku Ikoranabuhanga rikoreshwa mu Mabanki n’Ibigo by’Imari ryitwa Fintech, iri kubera i Kigali, ikaba yarateguwe n’Igicumbi Mpuzamahanga cya Serivisi z’Imari n’Amabanki cya Kigali (KIFC) ku bufatanye n’Ikigo Elevandi gikora ibijyanye n’ikoranabuhanga rikoreshwa mu mabanki n’ibigo by’imari.

Perezida Kagame yavuze ko ikoranabuhanga rikoreshwa mu mabanki n’ibigo by’imari riri kwihutisha impinduka mu ikoranabuhanga muri Afurika kandi umumaro waryo wigaragaza yaba mu guhanga imirimo myinshi, ubukire n’amahirwe menshi ku mugabane wose.

Icyakora, yavuze ko ugereranyije n’ahandi ku Isi, Afurika ifite ikoranabuhanga rike ryifashishwa muri serivisi z’imari, aho ugisanga guhererekanya amafaranga bikorwa mu ntoki ibizwi nka ‘kashi’.

Ati “Mu gusigasira intambwe yatewe, tugomba kongera imbaraga mu bufatanye bukomeye no kubaka ikoranabuhanga ryifashishwa mu mabanki n’ibigo by’imari rigera kuri bose kandi rirambye”.

Perezida Kagame yavuze ko ikoranabuhanga atari irya bamwe ahubwo buri wese agomba kungukira ku mahirwe ritanga, akaba ari yo mpamvu bikwiye gukora byinshi kugira ngo abagore bitabire ikoranabuhanga muri serivisi z’imari.

Ati “Imibare ntabwo ibeshya. Ibi byagira ingaruka nziza ku bagore bafite ubucuruzi, ku nganda n’ubukungu muri rusange”.

Afurika muri rusange ifite umukoro wo kuzamura uruhare abagore bafite mu ikoranabuhanga ryifashishwa mu mabanki n’ibigo by’imari kuko bizatuma abagore babasha kugera kuri serivisi z’imari, kubona inguzanyo biteze imbere ariko banagire uruhare muri iri koranabuhanga.

Nko mu bice by’icyaro, ikoranabuhanga rizafasha cyane kuko rizatuma abagore bakoresha imyirondoro yabo nka telefoni ibabaruyeho, indangamuntu y’ikoranabuhanga bagakoresha serivisi z’imari mu buryo bworoshye.

Perezida Kagame yavuze ko kugira ngo serivisi z’imari zitangwe neza ku ikoranabuhanga, hagomba gukemura imbogamizi z’umuyoboro mugari wa internet utagera kuri bose, amakuru adahagije ndetse n’ubumenyi mu bya serivisi z’imari.

Indi mbogamizi ihari ari uko ibihugu bya Afurika bitarahuza uburyo bwo kugenzura ikoranabuhanga ryifashishwa muri serivisi z’imari, ibi bikadindiza umuvuduko n’ubushobozi iri koranabuhanga rishobora kugira ku mugabane.

Mu guteza imbere ikoranabuhanga ryifashishwa mu mabanki no mu bigo by’imari, u Rwanda rwashyizeho Igicumbi mpuzamahanga cya Serivisi z’Imari n’Amabanki cya Kigali (Kigali International Financial Centre) gifasha ishoramari mpuzamahanga n’iryo ku Mugabane wa Afurika.

Hari kandi amategeko na politiki bifasha ibigo bifite ikoranabuhanga kurigerageza no kuryagura kandi mu buryo bugenzuwe neza.

Inama yitabiriwe n’abayobozi bakuru, ba rwiyemezamirimo, abashoramari, ibigo binini by’ubucuruzi ndetse n’imiryango itandukanye, bashakira hamwe ibisubizo byo kugera kuri serivizi z’imari bidaheza no gukoresha ikoranabuhanga mu buryo bwiza.

Perezida Hakainde Hichilema wa Zambia, yabwiye abayitabiriye ko kwihutisha ubukungu n’imibereho myiza ari ingenzi cyane cyane guha umwihariko urubyiruko.

Ati “Ikoranabuhanga muri serivisi z’imari, kugera kuri serivisi z’imari kuri bose n’igishoro ni ikintu twese dukeneye kugira ngo tugere ku iterambere ryacu. Tugomba kwita ku baturage bacu”.

Yatanze urugero rw’uburyo mu myaka yo hambere kohereza amafaranga byasabaga kujya ku iposita cyangwa ku ishami rya banki ukuzuza ifishi ugasinya kugira ngo wohereze amadolari 10 nabyo bigatwara nk’iminsi itatu.

Ati “Uyu munsi twese dufite inkomoko mu cyaro, ababa mu kindi gice cy’Isi turabasha kohereza amafaranga dukoresheje Mobile Money. Ibi ntabwo tugomba kubifata uko twishakiye, ntabwo ari kera tutabibashaga”.

Perezida Hakainde yavuze ko ikoranabuhanga rikwiye kwegerezwa abaturage, bakaribyaza umusaruro kandi rikaba isoko yo kwihangira imirimo.

Guverineri wa Banki Nkuru ya Singapore (MAS), Ravi Menon, yavuze ko mu myaka umunani ubwo batangiraga gahunda y’ikoranabuhanga rikoreshwa mu mabanki no mu bigo by’imari, FinTech, bashyize imbere amahame arimo kurikoresha neza mu buryo butanga umusaruro, gukumira ibyago n’ingaruka zishobora guterwa n’ikoranabuhanga, guhanga amahirwe mashya no kongerera ubumenyi abaturage.

Yavuze kandi ko kugira ngo bigerweho hagomba kubakwa ibikorwaremezo, kugeza internet kuri bose n’ubufatanye bwa Leta n’inzego z’abikorera.

Umuyobozi w’Inama y’Ubutegetsi ya Rwanda Finance Ltd, Tidjiane Thiam, yavuze ko Umugabane wa Afurika ufite amahirwe yo kugera ku iterambere n’ubukungu kuri bose.

Yavuze ko iyo witegereje ibigo bikomeye uyu munsi mu ikoranabuhanga ari ibitangiye vuba, asaba Abanyafurika kugira inovasiyo ariko byose bigahera ku gushyigikira ibigo bito n’ibiciriritse.

Ati “Nemera ko ibigo bito n’ibiciriritse (SMEs) aho ari ho hose ari moteri y’ubukungu ariko ntibyitabwaho cyangwa ngo bihabwe agaciro cyane. Kugira ngo ugere ku kigo gikomeye ku Isi, uhera ku kigo gito n’igiciriritse kigakura kikagera ku rwego mpuzamahanga”.

Iri huriro rya FinTech rigamije kongera imbaraga mu ishyirwa mu bikorwa ry’ingamba zihuriweho kandi zirambye mu gukoresha ikoranabuhanga mu mabanki n’ibigo by’imari no kwerekana imishinga y’ikoranabuhanga mu by’imari.

Biteganyijwe ko iri huriro rizatanga umusaruro binyuze mu biganiro bizibanda ku kwishyurana hakoreshejwe ikoranabuhanga, higwa uko ubu buryo bwahendukira bose binyuze mu gushyiraho ibikorwaremezo by’ikoranabuhanga.

Hazaganirwa kandi ku gutanga inguzanyo hakoreshejwe ikoranabuhanga, harebwa uko hashyirwaho ubwoko bw’inguzanyo bubereye abafite ubushobozi buke n’ubuciriritse.

Hari kandi kugena uburyo bw’ishoramari n’ubukungu bwagutse, ubwishingizi na pansiyo buri wese yibonamo. Hazaganirwa kandi ku kubaka isoko ry’imari n’imigabane hagamijwe kwihutisha kugeza serivisi z’imari kuri bose.