Kwamamaza ibikorwa by’ikoranabuhanga no gukoresha telefoni mu buzima bwa buri munsi bikomeje guhindura ubukungu bw’u Rwanda ku muvuduko utigeze ubaho mbere. Ibi byongeye kugaragarira mu mibare mishya ya MTN Rwanda, yerekanye ko inyungu yayo nyuma yo kwishyura imisoro yazamutseho 466,6% mu gihembwe cya mbere cya 2026, igera kuri miliyari 8,3 Frw.
Ni imibare itari isanzwe ku isoko ry’itumanaho ryo mu Rwanda, cyane cyane mu gihe imyaka mike ishize ibigo byinshi by’itumanaho byari bikiri mu rugamba rwo gushora amafaranga menshi mu miyoboro ya internet na serivisi z’ikoranabuhanga.
MTN Rwanda yatangaje ko amafaranga yinjije muri rusange yiyongereyeho 21,2%, agera kuri miliyari 81,4 Frw. Ariko ikintu gikomeye kurusha andi si amafaranga yinjijwe gusa, ahubwo ni uburyo ibyo bikorwa byinjiza amafaranga birimo guhinduka.
Mu myaka yashize, guhamagara kuri telefoni ni byo byari isoko nyamukuru y’amafaranga ku bigo by’itumanaho. Ubu ibintu byarahindutse. Internet na Mobile Money ni byo biri kuyobora iri soko.
Imibare ya MTN Rwanda igaragaza ko abakoresha internet bageze kuri miliyoni 2,7 nyuma yo kwiyongeraho 19,6%, mu gihe abakoresha Mobile Money bakoresha serivisi nibura rimwe mu kwezi bageze kuri miliyoni 6,3.
Ibi bivuze ko telefoni igendanwa mu Rwanda itakiri igikoresho cyo guhamagara gusa, ahubwo yahindutse “banki nto” iri mu ntoki za benshi.
Iyo usesenguye neza iri zamuka rya 466,6%, usanga rifitanye isano rikomeye n’uburyo abaturage increasingly bari kwimukira mu gukoresha ikoranabuhanga mu kwishyura, kohereza amafaranga, gusaba inguzanyo no kugura serivisi zitandukanye.
Mobile Money ubu ifite uruhare rwa 52,7% mu mafaranga yose ava muri serivisi za MTN Rwanda. Ni ukuvuga ko amafaranga arenga kimwe cya kabiri ava muri serivisi z’imari zishingiye kuri telefoni.
Ibi ni ikimenyetso gikomeye cy’uko ubukungu bw’u Rwanda buri kwinjira mu cyiciro gishya aho fintech irimo gufata umwanya munini kurusha itumanaho risanzwe.
Hari indi ngingo y’ingenzi iri inyuma y’iri zamuka: smartphones.
MTN Rwanda yatangaje ko abakoresha smartphones bageze kuri 44,9%, ibintu bifitanye isano no kwiyongera kwa internet ikoreshwa kuri 64,7%.
Mu by’ukuri, uko smartphones ziyongera ni ko abantu benshi barushaho gukoresha YouTube, TikTok, WhatsApp, mobile banking n’ubundi buryo bw’ikoranabuhanga bukenera internet ihamye. Ibi bituma ibigo by’itumanaho byinjiza amafaranga menshi kurushaho.
Ni nayo mpamvu kwimuka kw’abakiliya bava kuri 3G bajya kuri 4G biri kugira uruhare runini mu kuzamura inyungu z’ibi bigo.
Hari abasesenguzi bavuga ko u Rwanda ruri mu bihugu bike bya Afurika biri kubaka ubukungu bushingiye ku ikoranabuhanga ku muvuduko wo hejuru, cyane cyane kubera politiki yorohereza ishoramari no gushyigikira serivisi z’imari zikoresha ikoranabuhanga.
Ibi byanashimangiwe n’Umuyobozi Mukuru wa MTN Rwandacell Plc, Monzer Ali, wavuze ko uburyo igihugu gishyigikira ikoranabuhanga n’itumanaho bituma ibigo nka MTN bifata ibyemezo by’ishoramari byoroshye.
Mu yandi magambo, ntabwo iri zamuka rishingiye gusa ku mbaraga za MTN Rwanda nk’ikigo, ahubwo rifitanye isano n’icyerekezo igihugu ubwacyo cyahisemo cyo gushyira imbere digital economy.
Ku rundi ruhande, MoMo Rwanda nayo iri kugenda iva ku kuba uburyo bwo kohereza amafaranga gusa, ahubwo ikinjira mu rwego rwagutse rwa serivisi z’imari.
Urugero ni nka MoFlex, uburyo bushya bw’inguzanyo bwatangijwe ku bufatanye na Ecobank Rwanda na Yabx.
Ibi bishobora guhindura cyane uburyo abaturage bato n’abacuruzi bato babonamo inguzanyo, cyane cyane abadakunze kugerwaho na banki zisanzwe.
Iyo umuntu arebye aho isoko rigeze uyu munsi, biragaragara ko intambara y’ibigo by’itumanaho itakiri ku minara gusa cyangwa ku guhamagara. Ubu iri ku makuru, internet yihuta, serivisi z’imari n’uburyo bwo kugera ku mukiliya mu buryo bw’ikoranabuhanga.
Nubwo imibare ya MTN Rwanda ishimishije, hari n’ibibazo bizakomeza kugena uko iri soko rizitwara mu myaka iri imbere. Harimo ubushobozi bwo gukomeza gushora imari mu miyoboro mishya, umutekano w’ikoranabuhanga, irushanwa rikomeye mu rwego rwa fintech ndetse n’uburyo abaturage bose bazabasha kugera kuri smartphones zihendutse.
Ariko uko byagenda kose, imibare y’iki gihembwe cya mbere cya 2026 yerekana ikintu kimwe gikomeye: ubuzima bw’Abanyarwanda buragenda bwimukira kuri telefoni no kuri internet, kandi ibigo byabashije kubyumva kare ni byo biri gusarura inyungu nyinshi uyu munsi.