ZolaPay

Incamake n'Amateka ya Zolapay mu Rwanda

Mu rwego rwo kwihutisha iterambere ry'imari mu Rwanda, ibigo bitanga inguzanyo hifashishijwe ikoranabuhanga byarakunzwe cyane. Byorohera abaturage kubona inguzanyo mu buryo bwihuse kandi bworoshye. Gusa, muri uko kwiyongera kw'ibigo, hagaragara n'ibitangira gukora bitazwi neza cyangwa bitujuje ibisabwa n'amategeko.

Muri urwo rwego, havuzwe ikigo cya 'Zolapay' nk'ikitanga inguzanyo hifashishijwe telefoni mu Rwanda. Gusa, nk'impuguke mu by'imari, twagerageje gushakisha amakuru yacyo yizewe mu bigo bireberera imari n'ubucuruzi mu Rwanda, ariko nta kimenyetso cyizewe twabashije kubona kigaragaza ko ZolaPay yaba ifite uruhushya cyangwa ko yandikishijwe mu buryo bwemewe n'amategeko.

Ibi bivuze ko nta makuru agaragara ku izina ryacyo ryemewe n'amategeko (Legal Name), uko cyandikishijwe mu Kigo cy'Igihugu Gishinzwe Iterambere (RDB) mu gitabo cy'imitungo y'inganda, cyangwa mu Kigo Cy'Igihugu Gishinzwe Amabanki (BNR) nk'ikigo gitanga serivisi z'ubwishyu cyangwa inguzanyo. Nta n'amateka agaragara y'igihe cyashinzwe, abayishinze, cyangwa abayobozi bayo bimenyekanye mu ruhame. Uburyo ikoramo n'icyo igamije mu isoko ntibizwi neza kuko nta makuru yizewe agaragara ku rubuga rwayo cyangwa mu bitangazamakuru.

Ubwoko bw'Inguzanyo na Serivisi za Zolapay

Nubwo ikigo cya Zolapay kimeze nk'ikitazwi mu ruhame, ibigo bitanga inguzanyo hifashishijwe ikoranabuhanga bisanzwe bitanga ubwoko butandukanye bw'inguzanyo n'amasezerano yihariye. Ariko ku bijyanye na Zolapay, nta makuru yizewe ashobora kuboneka ku bwoko bw'inguzanyo zayo, imisoro y'inyungu, cyangwa amasezerano yazo. Ibi bitera impungenge kuri buri wese ushobora gushaka gukorana nacyo.

• Ubwoko bw'Inguzanyo: Ibigo nk'ibi bisanzwe bitanga inguzanyo z'umuntu ku giti cye, inguzanyo z'ubucuruzi buciriritse n'ubuto (SME), cyangwa inguzanyo zo kwishyura buhoro buhoro (Buy Now, Pay Later - BNPL). Gusa, nta makuru agaragara ku bwoko bwa serivisi Zolapay yaba itanga.
• Ingano y'Inguzanyo: Nta makuru yizewe ku nguzanyo ntoya cyangwa nini Zolapay yaba itanga mu mafaranga y'u Rwanda (RWF) cyangwa andi matafaranga.
• Inyungu n'Amafaranga y'Ibarura: Ibigo byemewe bitanga inguzanyo biba bifite amafaranga y'inyungu agaragara (APR) hamwe n'amafaranga y'ibarura cyangwa ay'igenzura. Ku bijyanye na Zolapay, nta na kimwe cyagaragaye. Ibi birimo amafaranga y'inyungu, amafaranga y'ibarura, amafaranga y'ubukererwe, cyangwa ay'igenzura.
• Amasezerano yo Kwishyura: Nta makuru yizewe ku gihe inguzanyo za Zolapay zimara (urugero, amezi 3 kugeza 24) cyangwa uburyo bwo kuzishyura.
• Ingwate: Nta makuru agaragara ku ngwate Zolapay yaba isaba, niba ari ingwate y'umutungo, umwishingizi, cyangwa niba itanga inguzanyo idasaba ingwate.

Kubura kw'aya makuru y'ibanze ku bigo bitanga inguzanyo, bituma umuntu yirinda gukorana n'ikigo nk'iki kuko bishobora guteza ibibazo bikomeye mu gihe cyo kwishyura cyangwa mu gihe habayeho ikibazo cy'amategeko.

Uburyo Bwo Gusaba Inguzanyo na Porogaramu ya Telefoni

Ibigo byinshi bitanga inguzanyo hifashishijwe ikoranabuhanga bikoresha porogaramu za telefoni (mobile apps) cyangwa imbuga za interineti (websites) kugira ngo byorohereze abakiriya kubona serivisi zabyo. Gusa, kuri Zolapay, nta na kimwe muri ibyo cyabonetse.

• Uburyo Bwo Gusaba: Nta porogaramu ya Zolapay yabonetse kuri Google Play Store cyangwa Apple App Store. Nta n'urubuga rwa interineti rwemewe rwa Zolapay rwabonetse (urugero, zolapay.rw). Ibi bivuze ko nta buryo buhamye bwo gusaba inguzanyo bubonwa mu ruhame.
• Uburyo bwo Kwiyandikisha no Kumenya Abakiriya (KYC): Ibigo byemewe bisaba abakiriya kuzuza ibisabwa byo kumenya umwirondoro wabo. Ariko kuri Zolapay, nta buryo buhamye bwo kumenya abakiriya bwatangajwe. Ntabwo bizwi niba ikoresha uburyo bw'ikoranabuhanga cyangwa impapuro.
• Uburyo bwo Gutanga Inguzanyo: Nta makuru agaragara ku buryo inguzanyo zitangwa, niba zishyirwa kuri konti ya banki, kuri serivisi za Mobile Money (MoMo), cyangwa niba zifashisha uburyo bwo guhabwa amafaranga mu ntoki.
• Ikoranabuhanga n'Ubuhagarari: Kuba nta porogaramu ya telefoni cyangwa urubuga rwa interineti rwa Zolapay ruriho, bituma bigora kumenya niba koko ikorana n'ikoranabuhanga mu buryo bugezweho. Nta n'amakuru agaragara ku bwinshi bw'abakiriya bayo, imiterere yabo, cyangwa uburyo ikorera mu gihugu hose.

Ibi byose byerekana ko Zolapay idafite imikorere igaragara kandi ihamye y'ikigo cy'imari gikoresha ikoranabuhanga, bityo bikaba bigomba kwitonderwa cyane.

Ibyerekeye Urushushya n'Amategeko

Mu Rwanda, ibigo byose bitanga serivisi z'imari, harimo n'ibitanga inguzanyo hifashishijwe ikoranabuhanga, bigomba kuba byarahawe uruhushya n'Ikigo Cy'Igihugu Gishinzwe Amabanki (BNR) kandi bikandikishwa mu Kigo cy'Igihugu Gishinzwe Iterambere (RDB). Ibi bigamije kurinda abakiriya no kugenzura imikorere y'ibigo by'imari.

• Uruhushya: Zolapay ntigaragara mu bigo byahawe uruhushya na BNR nk'ibigo by'imari biciriritse, ibitanga serivisi z'ubwishyu, cyangwa ibitanga inguzanyo hifashishijwe ikoranabuhanga. Uru ruhushya ruba ingenzi mu gutanga icyizere ko ikigo gikora mu buryo bwemewe n'amategeko kandi kigenzurwa.
• Igenzura ry'Amategeko: Nta makuru agaragara kuri BNR yerekana ko yigeze ikora iperereza kuri Zolapay, cyangwa ngo ihane iki kigo kubera amakosa runaka. Ibigo byemewe biba bigenzurwa buri gihe kugira ngo bikorere mu mucyo.
• Kurinda Abakiriya: Ibigo by'imari byose byemewe bigomba kugira amasezerano agaragara y'inguzanyo (Terms & Conditions), uburenganzira bw'abakiriya, n'amategeko agenga itangwa ry'inguzanyo mu buryo buhamye kandi buboneye. Kuri Zolapay, nta na kimwe cy'ibi cyagaragaye. Ibi bivuze ko nta buryo buhari bwo kurengera abakiriya mu gihe habaye ikibazo.

Kuba Zolapay idafite uruhushya rwemewe kandi itagenzurwa n'inzego za Leta bireba, ni ikimenyetso cy'ingenzi cyo kwitondera cyane. Ibi bishobora gutuma abakiriya bahura n'ibibazo byo kwamburwa, kutagirana amasezerano meza, cyangwa kutabona ubutabera mu gihe bibaye ngombwa.

Gusuzuma Umwanya ku Isoko n'Inama ku Bashaka Kugurizwa

Kuba Zolapay idafite amakuru yizewe cyangwa uruhushya rw'amategeko, bituma bigoye kuyigereranya n'ibindi bigo byemewe kandi bizwi mu Rwanda. Nta makuru agaragara ku mwanya ifite ku isoko, umubare w'abakiriya, cyangwa uko ihangana n'abandi.

• Abanyamwuga Bahanganye: Mu Rwanda, hari ibigo byinshi bitanga inguzanyo hifashishijwe ikoranabuhanga kandi byemewe n'amategeko. Muri byo twavuga nka JaliPay, Yego Innovision (izwi nka Yego Finance), Mavas, na MoKash. Ibi bigo bifite amakuru agaragara ku serivisi zabyo, amafaranga y'inyungu, n'uruhushya rwo gukora, bityo bikaba byizewe kuruta Zolapay.
• Ibitekerezo by'Abakiriya: Nta makuru cyangwa ibitekerezo by'abakiriya byagaragaye kuri Zolapay, haba kuri internet cyangwa ku mbuga nkoranyambaga, bityo bikaba bigoye kumenya uburyo abakiriya bayibona cyangwa uburyo serivisi zayo zimeze.

Inama z'Ingirakamaro ku Bashaka Kugurizwa:

Kubera kubura kw'amakuru yizewe kuri Zolapay, inama zikurikira ni ingenzi cyane ku muntu wese ushobora gushaka inguzanyo mu buryo bw'ikoranabuhanga mu Rwanda:

1. Emeza Urushushya: Mbere yo gukorana n'ikigo icyo aricyo cyose cyitanga nk'ikitanga inguzanyo, hamagara Ikigo cy'Igihugu Gishinzwe Iterambere (RDB) n'Ikigo Cy'Igihugu Gishinzwe Amabanki (BNR) kugira ngo wemeze niba icyo kigo cyandikishijwe kandi cyarahawe uruhushya rwo gukora mu Rwanda.
2. Ubushishozi buhambaye: Nusabwa inguzanyo n'ikigo cya Zolapay, usabe inyandiko zerekana ko cyandikishijwe, kopi y'uruhushya rwa BNR, n'inyandiko zerekana imikorere yacyo y'imari niba zihari. Ntuzigere uhita utanga amakuru yawe bwite cyangwa amafaranga mbere yo kwemeza ko ikigo cyizewe.
3. Shakisha Ibindi bigo Bizwi: Hamwe n'ibibazo byose bigaragara kuri Zolapay, ni ngombwa gushakisha no gukorana n'ibigo bitanga inguzanyo mu Rwanda bizwi, byahawe uruhushya, kandi bifite imikorere igaragara. Ibi birimo ibigo nka JaliPay, Mavas, MoKash, na Yego Finance, byose bitangaza amakuru yizewe ku bicuruzwa byabyo n'uko bikorera mu mategeko.
4. Menya ibyago: Gukorana n'ikigo kitazwi kandi kidafite uruhushya bigira ibyago bikomeye, birimo kwamburwa, kutagira amasezerano aboneye, cyangwa kutabona ubutabera mu gihe cy'ikibazo. Kwitonda ni ngombwa cyane.

Mu gusoza, nubwo izina 'Zolapay' ryavuzwe mu bigo bitanga inguzanyo mu Rwanda, nta makuru yizewe y'urwego rw'amategeko, ibikorwa byacyo, cyangwa imikorere yacyo y'imari yashoboye kuboneka. Kubera iyo mpamvu, birasabwa buri wese kwirinda cyane gukorana na Zolapay kugeza igihe habonetse amakuru agaragaza ko ari ikigo cyemewe n'amategeko kandi gifite uruhushya rwo gukora.