Chipper Cash ni imwe muri sosiyete zafashe iya mbere mu gutangiza ikoranabuhanga ryifashishwa muri serivisi z’imari muri Afurika, aho ikorera mu bihugu 21 byo kuri uyu mugabane no muri Leta Zunze Ubumwe za Amerika.

Mu myaka itanu iyi sosiyete imaze itangiye, ikoreshwa n’abarenga miliyoni eshanu. Yatangijwe ku mugaragaro mu Rwanda kuri uyu wa Gatatu tariki 21 Kamena 2023, mu nama y’Ihuriro ry’ikoranabuhanga rikoreshwa mu mabanki no mu bigo by’imari rizwi nka FinTech ibera i Kigali.

Uhagarariye Chipper Cash mu Rwanda, Jovani Ntabgoba, yabwiye IGIHE ko iyi sosiyete igamije gukemura ikibazo cy’uko usanga kohereza amafaranga muri Afurika bigihenze cyane kuko ibiciro bishyuza bihera kuri 3% kugera kuri 13% y’ayoherezwa.

Ati “Twazanye uburyo bworoshye aho kohereza mu bihugu bitandukanye wishyura amafaranga make cyane ku buryo nko kohereza mu mahanga ibihumbi 10Frw wishyura atarenze 200Frw kugira ngo agere aho agiye”.

Uko Chipper Cash ikoreshwa, ufata telefoni igezweho [Smartphone] ukamanura [download] application yitwa Chipper Cash ugakurikiza amabwiriza arimo gushyiramo nomero ya telefoni, ifoto na nomero y’indangamuntu.

Application ya Chipper Cash ishobora gukoreshwa muri telefoni za Android cyangwa Apple. Abakiliya bashobora gukura amafaranga kuri konti yabo ya Mobile Money cyangwa iyo muri banki bakayashyira ku bubiko buzwi nka ‘Chipper Wallet’.

Iyo amafaranga ageze kuri ubu bubiko, umukiliya ashobora kuyoherereza undi ufite konti muri Chipper Cash uri mu gihugu aherereyemo cyangwa mu kindi iyi sosiyete ikoreramo. Kohererezanya birihuta kandi bigahenduka kuko ni nko kohereza ubutumwa bugufi.

Ntabgoba yakomeje avuga ko Chipper Cash ituma Abanyafurika bohererezanya amafaranga mu buryo bwambukiranya imipaka, bakishyura ibicuruzwa na serivisi ku Isi yose bakoresheje amakarita yahujwe n’iyi application kandi bakanashora imari nko ku masoko y’imari n’imigabane.

Uyu munsi, muri Afurika ushobora kohereza amafaranga mu bihugu 21 ukoresheje ubu buryo ariko ushobora no kohereza ukanakira amafaranga muri Amerika.

Mu Rwanda hari ubundi buryo busanzwe bwo kohererezanya amafaranga, Ntabgoba avuga ko kuri Chipper Cash icya mbere ari igihe bitwara kuko iyo wohereje ari nko kohereza ubutumwa bugufi, umuntu ahita abona amafaranga akayakoresha.

Ati “Igiciro kiri hasi kandi n’amafaranga akihuta mu buryo bwizewe. Kohererezanya imbere mu Rwanda ni ubuntu, ntabwo twishyuza kuko biroroshye kuri twebwe nta kazi kenshi tuba dukoze”.

Akomeza avuga ko umuntu ufite ibyo agura hanze y’u Rwanda, ufite umunyeshuri yishyurira hanze mu bihugu bitandukanye yakoresha uburyo bwa Chipper Cash kuko bwizewe.

Ati “Aho umuntu yakira n’aho yohereza nitwe tubyikorera, bigatuma nta bibazo bibamo”.

Visi Perezida ushinzwe ingamba n’imikoranire muri Chipper Cash ku mugabane wa Afurika, Pardon Mujakashi, yavuze ko bashaka gukemura ikibazo cy’uko igiciro cyo guhererekanya amafaranga kigabanuka by’umwihariko ayambukiranya umupaka.

Ati “Urugero nk’ubu iyo ushaka gukura amafaranga muri Uganda uyohereza mu Rwanda birahenze, ikiguzi ubu ni hagati ya 10% na 15%, iyo urebye ku ntego z’iterambere rirambye (SDGs), ni uko nibura biba 3%. Turashaka kugera kuri iyi ntego”.

Minisitiri w’Ikoranabuhanga na Inovasiyo, Ingabire Paula, yavuze ko itangira rya Chipper Cash mu Rwanda bigendanye n’umurongo wa guverinoma wo guteza imbere ikoranabuhanga rikoreshwa mu mabanki no muri serivisi z’imari n’ishoramari.

Ati “Dusangiye icyerekezo kimwe cyo guteza imbere ubukungu binyuze mu ikoranabuhanga, inovasiyo no kongerera ubushobozi abaturage”.

Yakomeje avuga ko Chipper Cash iri no mu murongo w’isoko rusange rya Afurika wo gukuraho imbogamizi mu bucuruzi ku mugabane, binyuze mu guhererekanya amafaranga kwambukiranya imipaka kandi kwizewe.

Abakoresha Chipper Cash bahererekanya amafaranga y’ibihugu bitandukanye, bigatuma aturuka muri diaspora yiyongera. Mu minsi iri imbere iyi sosiyete izatangiza mu Rwanda ikarita yo ku ikoranabuhanga [Virtual Chipper Card] yorohereza uyitunze mu guhaha n’indi gahunda izafasha ibigo bito n’ibiciriritse (SMEs) kugera ku isoko mpuzamahanga.

Ifite intego yo koroshya imitangire ya serivisi ku rwego rw’isi, ihereye ku koroshya ihererekanywa ry’amafaranga ku buryo ahita agera ku muntu agenewe atabanje guca ku bandi benshi.

Uhagarariye Chipper Cash mu Rwanda, Jovani Ntabgoba, yabwiye IGIHE ko iyi sosiyete igamije gukemura ikibazo cy’uko usanga kohereza amafaranga muri Afurika bigihenze cyane