Ubwo bushakashatsi bwerekanye kandi ko ikoreshwa rya serivisi z’ikoranabuhanga mu bijyanye n’imari (DFS), zirimo mobile money ryazamutse rigera kuri 73%, kandi ko ibikorwa remezo byifashishwa mu kwishyura mu ikoranabuhanga bikomeje kwaguka.

Imibare ya Banki Nkuru y’u Rwanda (BNR), igaragaza ko 66% by’abantu bakuru, bakoresha mobile money, mu gihe 10% bakoresha mobile banking, naho 5% bagakoresha amakarita yo kubikuza (debit cards).

Mu rwego rwo gusuzuma no kumenya ibibazo abakoresha serivisi z’imari z’ikoranabuhanga bahura nabyo, BNR, ku bufatanye n’Ishami Mpuzamahanga rigamije guteza imbere abakene (Consultative Group to Assist the Poor/CGAP), yakoze ubushakashatsi mu Kwakira 2025.

Icyagaragaye nuko abantu 44% mu bakoresha serivisi z’imari z’ikoranabuhanga bahura n’igihombo cyo kubura amafaranga, bitewe n’ubujura n’ubushukanyi bibakorerwa cyangwa kwibeshya aho bagiye kuyohereza.

Mu bindi byagaragajwe nuko abantu 97% mu bakoresha serivisi z’imari z’ikoranabuhanga buri wese yahuye n’ibibazo birimo uburiganya, ikoreshwa nabi ry’amakuru bwite, guhagarara kw’umuyoboro wa murandasi (internet), ibibazo byo gushaka uwo batakira no kutabonera amakuru ku gihe.

Umunyamabanga nshingwabikorwa w’Umuryango uharanira uburenganzira bw’Abaguzi mu Rwanda (ADECOR), Damien Ndizeye, avuga ko mubyo ubushakashatsi bwagaragaje harimo n’ibyo nabo basanzwe bahura nabyo, kuko muri serivisi z’imari zikoreshwa ikoranabuhanga haburamo gukorera mu mucyo no kubura amakuru anoze kubazikoresha.

Ati “Bahura n’ibibazo bitandukanye byo kwibwa cyane cyane iyo bohereje amafaranga, ndetse ugasanga n’ikoranabuhanga ridakora neza ugasanga bacika intege. Hakwiye gushyirwaho ibihano ku batanga serivise z’itumana. Urugero, niba hari umuntu uguhamagaye, aba yakoresheje nimero ya telefone, kandi nk’abatanga serivisi, izo nimero baba bazizi, kuki abo bantu batabafata?”

Umuyobozi w’ishami rishinzwe kugenzura imyitwarire y’urwego rw’imari muri BNR, Gerard Nsabimana, avuga ko mubyo bakora hari gusaba ibigo by’imari gushyiraho ikoranabuhanga rinoze ku buryo nta waryinjirira kugira ngo abe yakwiba abarikoresha.

Ati “Icyo twumva tugomba gukomeza gukora ni ugufatanya n’abafatanyabikorwa bose, abatanga izo serivisi, kuko turafatanya kwigisha, ariko no kurebera hamwe ibibazo bindi byaba birimo, hanyuma n’abagenerwa izo serivisi nabo tugafatanya kugira ngo tubigishe uburyo bashobora kwirinda, ariko bahura n’ikibazo bakigishwa uburyo bashobora kugitanga kugira ngo babone ubufasha.”

Ibyavuye mu bushakashatsi byagaragaje ko 84% by’abakoresha serivisi z’imari z’ikoranabuhanga bahuye n’ibibazo by’uburiganya, naho 65% bahura n’ibifitanye isano n’abakozi (aba-agents).

Mu babajijwe bose 48% bagaragaje ibibazo bijyanye no kutabona amakuru anoze (transparency), mu gihe 82% bagaragaje ibibazo bijyanye n’ubumenyi n’ubushobozi bwo gukoresha serivisi (user capability).

Byatumye abantu 41% bagura ikibazo cyo kwibeshya ku kohereza amafaranga ku muntu utari we.