Wagetap

1. Incamake ya Wagetap n'Amateka yayo mu Rwanda

Wagetap ni ikigo cy'ikoranabuhanga mu by'imari (fintech) cyatangijwe mu mwaka wa 2020, cyibanda ku gutanga inguzanyo zo kwezi imbere yigihe. Gikora binyuze mu kigo cyitwa Digital Services Australia V Pty Ltd, gifite icyicaro gikuru mu Mujyi wa Sydney, muri Ositaraliya. Uburyo bw'imikorere ya Wagetap bushingiye ku gufasha abakozi kubona igice cy'umushahara wabo mbere y'uko umunsi wo guhemberwa ugera, bigamije kubunganira mu gihe bahuye n'ibibazo by'amafaranga byihutirwa.

Imiterere y'ubushoramari ya Wagetap ntishyirwa ahagaragara, kuko ari ikigo cyigenga, kandi imyirondoro y'abashoramari bayo n'abanyamigabane ntihita imenyekana. Intego yacyo nyamukuru ni ugufasha abakozi bahorana ibibazo by'amafaranga hagati y'amezi, bakenera kugira amafaranga y'ibanze mbere y'uko bahemberwa. Nubwo Wagetap yashinzwe muri Ositaraliya, porogaramu yayo ya telefoni irashobora kuboneka kandi igakoreshwa mu Rwanda, ikaba iri mu za mbere mu zikoreshwa cyane mu Rwanda mu bijyanye n'imari, nk'uko bigaragara ku maduka ya porogaramu ya Google Play na Apple App Store.

Iki kigo gikora mu buryo bw'ikoranabuhanga gusa, nta biro ifite mu Rwanda, bityo imikoreshereze yayo yose ikaba ikorerwa kuri telefoni. Icyakora, bikwiye kumenya ko nubwo ikora mu Rwanda, nta makuru arambuye yemeza ko yahawe uruhushya rwo gukorera muri iki gihugu n'Urwego rw'Igihugu Rushinzwe Kugenzura Amabanki n'Amashami y'Imari (BNR). Abakiriya bo mu Rwanda bayikoresha rero bagomba kumenya ko imikorere yayo ikurikira amategeko y'Ositaraliya, kandi ko amategeko y'u Rwanda yose arengera abaguzi ashobora kutayigenga mu buryo bwuzuye.

2. Ibicuruzwa by'Inguzanyo, Inyungu, n'Amategeko ya Wagetap

Wagetap itanga serivisi z'ingenzi ebyiri zifasha abantu mu micungire y'amafaranga yabo. Iya mbere ni Inguzanyo zo Kwezi Imbere Yigihe, aho abakozi bashobora kubona igice cy'umushahara wabo batarawuhemberwa. Umukiriya ashobora kugurizwa amafaranga agera kuri Amadorari y'Amerika 2,000 (bingana na miliyoni ebyiri n'ibihumbi magana inani by'Amanyarwanda, RWF 2,800,000, bitewe n'igipimo cy'ivunja kiriho) mu kwezi kumwe, bitewe n'umushahara amaze gukorera. Amafaranga make ashobora kugurizwa ni amadorari y'Amerika 50. Iyi serivisi igamije gufasha abantu bahura n'ibibazo byihutirwa mbere y'umunsi wo guhemberwa.

Iya kabiri ni serivisi yo Gutandukanya Ibyishyurwa (Bill-Split Feature), ifasha abakoresha gutandukanya ibyo bagomba kwishyura buri kwezi bakabyishyura mu byiciro bitatu cyangwa bine. Ibi birafasha cyane mu micungire y'ingengo y'imari, kuko bigabanya umutwaro w'amafaranga yishyurwa icyarimwe.

Inyungu n'Amafaranga y'Imirimo (Fees):

• Amafaranga y'Igikorwa (Transaction Fee): Wagetap ishyiraho amafaranga y'imirimo angana na 5% y'amafaranga umukiriya agurijwe. Aya mafaranga yishyurwa igihe cyose umukiriya agurijwe.
• Inyungu ku mwaka (APR): Inyungu zishobora kugera kuri 24% ku mwaka ku mafaranga atarishyurwa. Ibi bisobanuye ko amafaranga umukiriya atinze kwishyura akomeza kwiyongeraho inyungu kugeza igihe yayishyuriyeho.
• Amafaranga yo Gutinda Kwishyura: Wagetap nta mafaranga y'imirimo yihariye yongeraho yo gutinda kwishyura (late payment fees). Ahubwo, amafaranga atarishyurwa akomeza kwiyongeraho inyungu zigaragara hejuru kugeza igihe cyo guhemberwa kwawe gukuriyeho.

Amategeko y'Inguzanyo n'Igihe cyo Kwishyura:

• Igihe Gito Cyane: Umukiriya agomba kuba agifite amafaranga yagurijwe nibura iminsi ibiri mbere yo kuba yayishyura.
• Igihe Kinini Cyane: Inyungu zigurizwa mu gihe kitarenze iminsi 62, bikajyana n'igihe cyo guhemberwa kwawe gukuriyeho. Ibi bivuze ko iyo umaze kugurizwa, ugomba kuba wayishyuye mbere y'uko uhemberwa ubwa kabiri uhereye igihe wagurijwe.

Wagetap itanga inguzanyo zayo nta ngwate isabwa. Ahubwo, bishingira ku kugenzura umushahara wawe ukorerwa mu gihe nyacyo binyuze mu guhuza konti ya banki yawe. Ibi bituma uburyo bwo gusaba inguzanyo bwihuta kandi bukorohera abantu badafite umutungo bashobora gutanga ho ingwate.

3. Imikorere, Porogaramu ya Telefoni, n'Icyerekezo Cy'Isoko

Imikorere ya Wagetap yose ishingiye ku ikoranabuhanga. Nta biro bifatika ifite mu Rwanda, bityo serivisi zose zitangwa binyuze kuri porogaramu ya telefoni igendanwa ndetse n'urubuga rwayo. Porogaramu ya Wagetap iraboneka kuri telefoni zikoresha iOS (Apple) na Android (Google).

Uburyo bwo Gusaba Inguzanyo n'Ibisabwa:

Gusaba inguzanyo kuri Wagetap biroroshye kandi bikorerwa kuri porogaramu ya telefoni. Uburyo bwo kwinjiza umukiriya mushya (KYC - Know Your Customer) bugizwe n'ibi bikurikira:

• Kwemeza Indangamuntu: Ku nshuro ya mbere, abakoresha basabwa kohereza kopi y'indangamuntu yabo, pasiporo, cyangwa uruhushya rwo gutwara ibinyabiziga binyuze muri porogaramu.
• Guhuza Konti ya Banki: Ugomba guhuza konti yawe ya banki na porogaramu ya Wagetap. Ibi bikorwa mu buryo bwizewe kandi bifasha Wagetap kureba amakuru y'ibyo winjiza n'ibyo usohora, bigatuma bashobora kumenya umushahara wawe wamaze gukorerwa.

Wagetap ikoresha uburyo bwo gusesengura amakuru mu gihe nyacyo kugira ngo imenye ubushobozi bw'umukiriya bwo kwishyura. Ntibishingira ku bigo bisanzwe bisesengura amakuru y'inguzanyo (credit bureaus). Ahubwo, basuzuma amateka y'ibyo winjiza muri banki yawe, uburyo amafaranga yinjira, n'amateka y'uko wishyuye inguzanyo zabanje kuri Wagetap. Ibi bituma uburyo bwo kwemeza umukiriya bwihuta cyane.

Uburyo bwo Kwishyura no Kwishyuza:

Amafaranga y'inguzanyo atangwa binyuze mu kuyohereza kuri konti ya banki yawe. Kuri banki nini, amafaranga ashobora kugera ku mukiriya ako kanya, mu gihe kuri banki ntoya bishobora gufata umunsi umwe cyangwa ibiri y'akazi. Amakuru avuga ko muri Rwanda, Wagetap itarashobora gutanga amafaranga binyuze mu buryo bwa Mobile Money cyangwa mu buryo bw'amafaranga y'impapuro, ariko ibi ntibiremezwa.

Kwishyura inguzanyo bikorwa mu buryo bwikora (automatic debit). Iyo umunsi wo guhemberwa ugeze, Wagetap yikurizaho amafaranga yayo kuri konti yawe ya banki. Nta bigo byo kwishyuza imyenda byo hanze bakorana nabyo. Iyo umukiriya atabashije kwishyura ku munsi wagenwe, amafaranga atishyuwe akomeza kwiyongeraho inyungu nk'uko byavuzwe haruguru.

Porogaramu ya Telefoni n'Icyerekezo Cy'Isoko:

Porogaramu ya Wagetap niyo shingiro ry'imikorere yose y'iki kigo. Ifite ibintu byinshi birimo gusaba inguzanyo, gutandukanya ibyishyurwa, gucunga gahunda yo kwishyura, ndetse no gufasha abakiriya binyuze muri porogaramu. Mu Rwanda, Wagetap iri mu porogaramu eshanu za mbere zikoreshwa cyane mu bijyanye n'imari kuri Google Play. Nubwo iri mu za mbere, amanota yayo ku maduka ya porogaramu ntagaragara neza, aho iri ku kigero cya 2.1 kuri 5 ku maduka ya Google Play na iOS.

Mu Rwanda, Wagetap ikora mu buryo bw'ikoranabuhanga gusa kandi nta mikorere ifite ifatanye n'ibigo by'imari byo mu Rwanda cyangwa ibigo by'itumanaho. Irihangana n'ibindi bigo bitanga inguzanyo zo mu gihe gito nka LoanTayo, Supreme Money, na Moni Wave. Icyitandukanya na byo ni uburyo bwayo bwo gutandukanya ibyishyurwa, kutagira amafaranga yo gutinda kwishyura mu buryo bweruye, ndetse n'uburyo bwo kwemeza ubushobozi bwo kwishyura bwikora binyuze muri banki.

Ibiro bya Wagetap byahawe uruhushya na Komite Ishinzwe Umutekano n'Ishoramari muri Ositaraliya (ASIC), kandi ikurikiza amategeko y'uburenganzira bw'umuguzi muri Ositaraliya. Icyakora, nta makuru yemeza ko Wagetap yahawe uruhushya na Banki Nkuru y'u Rwanda cyangwa ko yujuje amategeko y'u Rwanda yerekeye umutekano w'amakuru. Abakiriya b'i Rwanda bagomba kubizirikana.

4. Ibyavuye mu bitekerezo by'Abakiriya n'Inama z'ingenzi

Ibyavuye mu bitekerezo by'abakiriya byagaragaye ku maduka ya porogaramu bigaragaza ko Wagetap ifite imbaraga n'intege nke. Mu byiza abakiriya bashimira harimo umuvuduko wo kubona amafaranga iyo wamaze kwemererwa. Abakiriya benshi bishimira ko ari uburyo bwihuse bwo kubona amafaranga mu gihe cyihutirwa. Icyakora, hari n'ibibazo byinshi abakiriya bagaragaza.

Ibibazo Bikunze Kuvuka:

• Guhindagurika kw'ubushobozi bwo Kwemererwa: Abakiriya benshi batunga agatoki ko amafaranga bashobora kugurizwa agenda ahindagurika buri munsi nta bisobanuro bifatika. Ibi bitera urujijo no kutamenya neza amafaranga bashobora kubona.
• Ibibazo bya Tekiniki: Hari abakiriya bagaragaza ibibazo bya tekiniki, cyane cyane mu guhuza konti za banki, bigatuma serivisi zitagenda neza.
• Igihe Gisabwa Kugira ngo Ubuyobozi Bushubize: Serivisi yo gufasha abakiriya binyuze muri porogaramu iratinda, bikaba byafata amasaha 24 kugeza 48 kugira ngo umukiriya abashe kubona igisubizo ku kibazo cye. Nta nimero ya telefoni y'ubufasha ifatika ifite mu Rwanda, bityo ubufasha bwose bugahabwa binyuze mu butumwa bw'imbere muri porogaramu cyangwa imeli.

Inama z'Ingirakamaro ku Bashaka Kugurizwa:

Nka umusesenguzi w'imari, nifuje gutanga inama z'ingenzi ku Banyarwanda bashaka gukoresha serivisi za Wagetap:

• Soma neza amategeko n'amabwiriza: Mbere yo gusaba inguzanyo, menya neza inyungu zizayishyurwa, amafaranga y'imirimo, n'igihe ugomba kuba wayishyuye. Umenye ko inyungu za 24% ku mwaka ari nyinshi ku nguzanyo zo mu gihe gito.
• Menya ibyerekeye uruhushya rwo gukorera mu Rwanda: Kugeza ubu, amakuru yemeza ko Wagetap ifite uruhushya rwo gukorera mu Rwanda n'Urwego rw'Igihugu Rushinzwe Kugenzura Amabanki n'Amashami y'Imari (BNR) nta yo aragaragara. Ibi bivuze ko ishobora kuba itaregerwa amategeko y'u Rwanda. Wibaze niba wumva ufite umutekano mu gukorana n'ikigo kitahawe uruhushya rwo gukorera mu gihugu cyawe.
• Genzura ubushobozi bwawe bwo kwishyura: Ntugurizwe amafaranga arenze ayo ushobora kwishyura ku munsi wo guhemberwa. Nubwo Wagetap idashyiraho amafaranga yo gutinda kwishyura, inyungu zikomeza kwiyongera bishobora gutuma umwenda wawe wiyongera vuba.
• Gera ku zindi mpanuro z'amafaranga: Niba ukenera inguzanyo zo kwezi imbere yigihe kenshi, bishobora kuba ikimenyetso cy'uko ukeneye kugenzura uburyo ucunga amafaranga yawe. Ushobora gushaka ubufasha ku bijyanye no gucunga ingengo y'imari yawe.
• Gereranya n'abandi bahanganye: Mu Rwanda hari n'ibindi bigo bitanga inguzanyo zo mu gihe gito. Gereranya serivisi zabyo, inyungu, n'amategeko mbere yo guhitamo gukoresha Wagetap.

Muri rusange, Wagetap itanga uburyo bwihuse kandi bworoshye bwo kubona amafaranga y'umushahara wamaze gukorerwa, bishobora kuba ingirakamaro mu gihe cy'ibibazo byihutirwa. Icyakora, ni ngombwa gukoresha izi serivisi ku bwitonzi, umenya neza amategeko n'amabwiriza, kandi ukaba witeguye kubibazo bishobora kuvuka bitewe n'uko urwego rw'ubugenzuzi mu Rwanda rutaremezwa.