Bishobora kuba byarigeze kukubaho, ukabikuza amafaranga ku cyuma cya banki giha amafaranga abakiliya (ATM), amafaranga ntuyabone ntanasubire kuri konti.
Ni ibintu bitera abantu kwivovota, cyane ko hari ababa bakeneye amafaranga mu buryo bwihutirwa ariko ugasanga bisabye iminsi ishobora no kurenga ukwezi batarayasubizwa.
Banki Nkuru y’Igihugu ivuga ko kuba byafata iminsi ishobora kugera no kuri 45 ari ikibazo gihangayikishije, kibaho iyo umuntu abikuza kuri ATM ya banki adafitemo konti.
Iyi ni imwe mu ngingo zagarutsweho mu bibazo byakurikiye imurikwa ry’imiterere y’urwego rw’imari (Monetary Policy and Financial Stability Statement) mu cyumweru gishize.
Nyuma yo kumurika iyo raporo, Guverineri wa Banki Nkuru y’Igihugu (BNR), Rwangombwa John yatanze umwanya ngo abashaka kubaza no gutanga ibitekerezo bisanzure.
Umunyamakuru yabajije ikibazo giteye gitya, “Hari igihe ukoresha ATM amafaranga icyuma ntikiyaguhe, nanone kandi ntasubire kuri konti, bigasaba nk’iminsi 30 kugira ngo bazajye gusubiza amafaranga kuri konti yawe, nibazaga niba mu by’ukuri icyo gihe cyaba ari kinini cyane, nta bundi buryo bushobora gukoreshwa ku buryo amafaranga yajya ahita asubizwa kuri konti yawe, murakoze.”
Rwangombwa yasabye Uwase Masozera Peace uyobora ishami ry’imari (Financial Stability Directorate) muri BNR, Uwase yunga mu ry’umunyamakuru, avuga ko icyo gihe ari kirekire.
Mu gukemura icyo kibazo ‘gikomeye’, Uwase yasobanuye ko BNR irimo kukivugutira umuti binyuze mu kuvugurura itegeko (regulation) rigenga ibyo kubikuza hakoreshejwe uburyo bw’ikoranabuhanga (electronic transactions).
Yagize ati, “Ubu ngubu twaravuguruye, hari regulation twari dufite ijyanye na electronic transactions, iyo regulation twarayivuguruye turizera y’uko mu mpera z’uku kwezi (Kanama 2019) cyangwa mu kwezi gutaha tuzaba twayigazetinze (twayisohoye mu Igazeti ya Leta)”
Iyo regulation isaba y’uko niba wakoze transaction (wabikuje) kuri ATM ya banki yawe ukoresha, ndafata urugero niba nkoresha BK, ngakoresha ATM ya BK amafaranga ntaze, BK igomba guhita igusubiza amafaranga yawe ako kanya kuri konti yawe (there has to be an immediate reversal of unsuccessful transactions).”
Uyu muyobozi yavuze ko icyo kibazo gikomeye ariko ko kidahangayikishije cyane nk’igihe umuntu abikuje ku cyuma cya banki atabitsamo, kuko ari bwo bitwara igihe kirekire.
Ati, “Aho tukibona ikibazo ni igihe umukiliya wa BK abikuje kuri ATM ya BPR (ni urugero), icyo gihe ibyo bigo bibiri bigomba kugira uburyo bivugana ku buryo wabonaga ko habamo delay (gutinda) y’iminsi inarenze 30, byagezaga n’iminsi 45, aho ngaho ukabona ko kabisa abakiliya baharenganira.”
Mu ivugurura ry’itegeko ririmo gukorwa, Uwase avuga ko “twashyizemo ko maximum (igihe kidashobora kurenga) ayo mafaranga agomba kuba yasubuye kuri konti yawe ari iminsi itanu.”
Umunyamakuru yabajije n’ikibazo cyo kuba ikiguzi cyo kubikuza kuri ATM gitandukana kuri banki n’ibigo by’imari bitandukanye, abaza niba nta buryo BNR nk’urwego rugenzura imikorere y’ibigo by’imari rwagena ibyo biciro, ariko BNR isubiza ko ibyo itabishinzwe.
Uwase yavuze ko BNR icyo ishinzwe ari ukureba niba mu gushyiraho ibyo biciro ibigo by’imari byarashyize mu gaciro, ariko ko BNR idashobora kugena ingano y’ikiguzi cy’iyo serivisi.
Yabisobanuye atya, “Banki Nkuru y’u Rwanda ntabwo tugena ibiciro (we do not regulate prices), ntabwo dutegeka amabanki cyangwa ibigo by’imari ku biciro baca abakiliya babo, ahubwo icyo tureba ni ukureba niba ibiciro baba baciye abakiliya biri transparent (binyuze mu mucyo), umukiliya azi icyo ari bucibwe kandi biri fair (bidakabije), iyo tubonye ko wenda harimo gukabya wenda ni ho dushobora kuba twabaza amabanki impamvu…”
Ku bijyanye no koroshya uburyo bwo kubikuza hakoreshejwe ibyuma bya ATM, uyu muyobozi yavuze ko ibyo byuma bikenewe ariko ko icyo Leta ishyizemo imbaraga atari ukubikuza kuri ATM ahubwo ari ukwishyura ukoresheje ikarita ya ATM, ndetse n’uburyo bw’ibigo by’itumanaho bwo kwishyura ukoresheje telefone ngendanwa.
Ati, “Icyo twifuza ko abakiliya bagana cyane ni ugukoresha amakarita bishyura utagombye kubikuza amafaranga ku cyuma, uburyo ibigo by’itumanaho bikoresha mu gufasha abakiliya kwishyura, ahubwo ni bwo twifuza ko abakiliya bakwitabira cyane.”
Yatangajwe bwa mbere n’Imvaho Nshya.
