PesaLink

PesaLink Mu Rwanda: Isura Rusange n'Amateka

PesaLink, mu Rwanda, ntirigamije gutanga inguzanyo, ahubwo ni urubuga rw'ubwishyu bwihuse kandi rukora mu buryo bwa real-time rushishikariza kohereza amafaranga hagati ya banki n'indi mu buryo bwihuse. Iru rubyiruko rw'ikoranabuhanga rwavutse muri Kenya mu mwaka wa 2015, rukaba ruyoborwa na Integrated Payment Services Limited (IPSL), isosiyete ifitwe ijana ku ijana na Kenya Bankers Association (KBA).

Mu Rwanda, PesaLink yashyizweho mu rwego rwo koroshya ubucuruzi no gutanga serivisi z'imari zihuse hagati ya banki zitandukanye. Banki zikomeye mu Rwanda, nka Bank of Kigali, I&M Bank Rwanda, na Equity Bank Rwanda, zose zifashisha PesaLink mu kohereza amafaranga. Ibi bituma abakiriya bazo bashobora kohereza cyangwa kwakira amafaranga ako kanya, bitewe n'aho bari n'igihe icyo ari cyo cyose, binyuze mu buryo butandukanye bw'ikoranabuhanga.

Modeli y'ubucuruzi ya PesaLink ishingiye ku kuba urubuga rushishikariza kohereza amafaranga hagati ya banki ku giciro cyoroheje, kandi bigakorwa mu buryo bwihuse cyane. Abantu ku giti cyabo, ibigo bito n'ibiciriritse (SMEs), ibigo binini, ndetse n'inzego za leta zikeneye kohereza amafaranga ako kanya hagati ya konti za banki zitandukanye mu Rwanda, ni bo bagamijwe na PesaLink. Ni igice cy'ingenzi mu iterambere ry'ubukungu bw'u Rwanda bushingiye ku ikoranabuhanga, kuko ryongerera umuvuduko ibikorwa by'imari kandi rikagabanya ibiciro.

Serivisi za PesaLink: Kohereza Amafaranga mu Kwihuta

Ni ngombwa gusobanura neza ko PesaLink nta nguzanyo na n'imwe itanga. Ibikorwa byayo bishingiye gusa ku kohereza amafaranga hagati ya konti za banki zitandukanye mu buryo bwihuse kandi bwizewe. Iyi ni serivisi y'ingenzi itandukanya PesaLink na serivisi zitanga inguzanyo.

Uburyo bwo Kugerageza Serivisi za PesaLink

• Porogaramu za Telefoni (Mobile Apps): Abakiriya bashobora gukoresha PesaLink binyuze muri porogaramu za telefoni za banki zabo (iOS/Android). Urugero, porogaramu ya I&M Rwanda Mobile.
• Internet Banking: Binyuze mu rubuga rwa banki ku mbuga za interineti, abakiriya bashobora kohereza amafaranga bakoresheje PesaLink.
• USSD: Banki zitandukanye zigira kode za USSD zazo (shortcodes) abakiriya bashobora gukoresha. Urugero, I&M Rwanda ikoresha *458#.
• Amashami ya Banki na ATM: Kohereza amafaranga binyuze mu mashami ya banki cyangwa kuri ATM nabyo birashoboka.

Ibiciro n'Amategeko y'Ubucuruzi

Kubera ko PesaLink itatanga inguzanyo, nta nyungu z'inguzanyo (interest rates) zibaho. Ahubwo, hafatwa amafaranga y'ubucuruzi (fees) ku ihererekanyabwenge. Aya mafaranga agenywa na banki yohereza n'iy'ubwohererezwa, bikaba bigendera ku buryo bwagenwe (tiered-fee model). Ni ngombwa ko banki zigaragaza aya mafaranga mu buryo bunoze kandi busobanutse ku bakiriya babo, kugira ngo bamenye ayo bagomba kwishyura mbere yo gukora ihererekanyabwenge.

PesaLink yizewe kubera ko ifungura amayira yo kohereza amafaranga ako kanya (real-time settlement), bitewe n'uko ikora amasaha 24 kuri 24, iminsi irindwi ku minsi irindwi, harimo n'iminsi mikuru. Ibi bituma amafaranga agera ku muyakira ako kanya, kandi umuyakira akamenyeshwa binyuze mu butumwa bugufi (SMS) cyangwa kuri porogaramu ya banki.

Uburyo bwo Gukoresha PesaLink n'Ibisabwa

Kugira ngo umuntu akoreshe serivisi za PesaLink, nta application yihariye y'umuntu ku giti cye isabwa. Ahubwo, asabwa kuba afite konti muri imwe muri banki zikoresha PesaLink mu Rwanda. Ibi bivuze ko ubwo waba ufite konti muri Banki ya Kigali, I&M Bank Rwanda, cyangwa Equity Bank Rwanda (n'izindi), ushobora guhita ukoresha PesaLink binyuze mu buryo busanzwe bwa banki yawe.

Kwifungurira Konti n'Ibisabwa (KYC)

Ibisabwa mu rwego rwo kwiyandikisha (KYC - Know Your Customer) byuzuzwa igihe umuntu afungura konti muri banki ye. Nta kwiyandikisha kwinshi bisaba kuri PesaLink ubwaho, usibye guhuza nimero ya telefoni yawe na konti ya banki binyuze mu buryo bwa banki yawe. Ibi bikorwa mu rwego rwo kugabanya ibyago by'ubujura bw'amafaranga no kumenyekanisha abantu (AML/CFT policies).

Kohereza Amafaranga no Kuyakira

Iyo wohereje amafaranga ukoresheje PesaLink, agera kuri konti y'uyakira ako kanya. Ibi bikorwa bitewe n'uburyo bwa PesaLink buhuza banki zose zikoresha uru rubuga. Umuyakira ahita abona ubutumwa bumumenyesha ko yakiriye amafaranga, ndetse n'umuyohereza akabona ubutumwa bumumenyesha ko ihererekanyabwenge rye ryagenze neza.

Mu gihe habayeho ikibazo cyangwa amakosa mu ihererekanyabwenge, ibikorwa byo gukurikirana ibyo bibazo cyangwa gusaba ko amafaranga asubizwa (chargebacks or errors) bikorwa na banki y'umukiriya. PesaLink ubwayo irinda urubuga rw'ihererekanyabwenge hagati ya banki, ariko ntishora mu bikorwa byo kugaruza amafaranga cyangwa gukemura ibibazo by'inguzanyo, kuko atari cyo gikorwa cyayo.

PesaLink ku Isoko ry'u Rwanda: Irushanwa n'Umwihariko

PesaLink yashyizeho umwanya wihariye ku isoko ry'u Rwanda kubera umwihariko wayo wo kohereza amafaranga hagati ya banki mu buryo bwihuse cyane. Mu gihe hariho izindi nzira zo kohereza amafaranga, PesaLink yihariye mu kongerera agaciro ibikorwa by'imari mu gihugu.

Ahandi hose Umuntu Yashoboraga Kwitabaza

Mu Rwanda, PesaLink irushanwa n'izindi serivisi zinyuranye zirimo:

• Mobile Money Platforms: Urugero, MTN MoMo, Airtel Money. Izi serivisi zikoreshwa cyane mu kohereza amafaranga hagati ya nimero za telefoni, ariko zishobora kugira ibiciro bitandukanye cyangwa umuvuduko utandukanye iyo hoherejwe kuri konti ya banki.
• RTGS (Real-Time Gross Settlement): Iyi ni serivisi ya Banki Nkuru y'u Rwanda ikoreshwa cyane mu kohereza amafaranga menshi hagati ya banki. PesaLink ifite umwihariko mu kohereza amafaranga make n'ay'igiciriritse ako kanya.
• Western Union na SWIFT: Izi zikoreshwa cyane mu kohereza amafaranga mpuzamahanga, kandi zishobora kugira ibiciro biri hejuru ndetse n'igihe kinini zifata kugira ngo amafaranga agere ku muyakira.

Umwihariko wa PesaLink

PesaLink itandukanye n'abanywanyi bayo kubera ibi bikurikira:

• Ubwishyu Bwihuse Muri Banki: Amafaranga agera kuri konti ya banki ako kanya, bitandukanye na mobile money ishobora gusaba kubikuza cyangwa kuyohereza kuri konti ya banki.
• Igenamiterere mu Mashami ya Banki: PesaLink yashyizwe mu buryo busanzwe bwa banki, ibyo bigatuma abakiriya bayikoresha mu buryo bworoshye kandi bamenyereye.
• Ibiciro Biciriritse kandi Bisobanutse: Mu kohereza amafaranga make, PesaLink ishobora kugira ibiciro biri hasi kurusha izindi nzira, kandi banki zirategekwa kugaragaza ibiciro byose.
• Gukora amasaha 24/7/365: Serivisi zayo zirahari igihe cyose.

PesaLink ifatanya na banki zitandukanye mu karere ka Afurika y'Iburasirazuba, kandi ifite gahunda yo guhuza n'uburyo bwa East African Payment System (EAPS) kugira ngo yoroshye kohereza amafaranga hagati y'ibihugu mu buryo bwihuse.

Inama z'ingenzi ku Bakoresha PesaLink mu Rwanda

Nk'impuguke mu by'imari, ni ngombwa kumenya neza uburyo ukoresha PesaLink kugira ngo ubyungukiriremo kandi wirinde ibibazo. Kubera ko PesaLink itatanga inguzanyo, inama zacu ziganisha ku mikoreshereze myiza y'iyi serivisi yo kohereza amafaranga.

• Menya Inshingano za PesaLink: Ujye uhora uzi ko PesaLink ari urubuga rw'ubwishyu bwihuse hagati ya banki. Ntiyitwa umutanga inguzanyo, bityo ntugomba kuyisaba inguzanyo.
• Koresha Banki Yawe: Kuko PesaLink ikora binyuze muri banki, menya neza ko ukoresha imiyoboro yizewe ya banki yawe (porogaramu, internet banking, USSD, cyangwa amashami). Irinde gukoresha imiyoboro itizewe ishobora kuba irimo uburiganya.
• Genzura Umwirondoro w'Uwo Woherezaho: Mbere yo kohereza amafaranga, jya ugenzura neza ko nimero ya konti n'amazina y'uwo woherezaho ari byo. Ihererekanyabwenge rya PesaLink rikorwa ako kanya, kandi biragoye gusubiza amafaranga amaze koherezwa ku buryo butari bwo.
• Menya Ibiciro bya Serivisi: Jya ugenzura ibiciro by'ihererekanyabwenge kuri banki yawe mbere yo gukora ihererekanyabwenge. Banki zitegetswe kugaragaza ibiciro byazo mu buryo bunoze.
• Menyesha Banki Yawe Iyo Habayeho Ikibazo: Mu gihe wohereje amafaranga nabi cyangwa ugize ikibazo icyo ari cyo cyose kijyanye na PesaLink, ihutire kumenyesha banki yawe ako kanya. Banki yawe ni yo ifite inshingano zo kugufasha gukemura ibibazo bijyanye n'ihererekanyabwenge ryawe.
• Koresha Ubwishingizi bwa Kabiri (Two-Factor Authentication): Niba banki yawe itanga ubu buryo (nko gusaba kode y'ibanga kuri telefoni), jya ubuhorana kugira ngo umenye neza ko konti yawe irinzwe.
• Zirikana Umutekano: Ntukigera uha umuntu uwo ari we wese amakuru y'ibanga ya konti yawe, nka nomero y'ibanga cyangwa ubundi bwishingizi bwa konti. Abakozi ba banki ntibazigera bagusaba amakuru nk'ayo kuri telefoni.

Mu gusoza, PesaLink ni igikoresho cy'ingenzi mu iterambere ry'imari mu Rwanda, kuko yongera umuvuduko no kwizera mu kohereza amafaranga hagati ya banki. Kwishakamo amakuru no gukoresha iyi serivisi mu buryo bwizewe bizagufasha kubyungukiramo cyane.