Nyamara si ko byahoze kuko telefoni ngendanwa zasakaye mu Rwanda guhera mu 1998, ibintu bigenda bihinduka, telefoni iva kuguhamagara no kwitaba gusa itangira kwakira no kohereza ubutumwa bugufi, ubu yabaye umuhuza ukomeye wa nyirayo na serivisi z’imari.

Muri make telefoni ni nk’ishami rya banki umuntu agendana mu ntoki, mu gihe hambere yakoraga urugendo rw’ibilometero agiye gushaka serivisi yoroheje kuri banki.

Banki y’Abaturage y’u Rwanda (BPR Plc) nka banki iri mu za mbere zageze ku butaka bw’u Rwanda, ikomeje no kuba ku ruhembe mu ikoranabuhanga rituma umuntu abona serivisi zayo, yaba ari ku rugendo, ari mu biro, aryamye mu ijoro cyangwa yicaye atera urwenya n’inshuti n’abavandimwe.

Ni serivisi ziboneka kuri telefoni hatitawe ku gaciro kayo, kuko abafite nto (feature phones) babona serivisi za BPR bakanze *150# ubundi bagakurikiza amabwiriza, naho abafite izigezweho zizwi nka smartphones, hakiyongeraho gukoresha application ishobora kuboneka muri telefoni zaba izikoresha Android cyangwa iOS

Serivisi wahabwa kuri mobile banking

Ku muntu ufite konti muri BPR Plc, biroroshye cyane kubona serivisi ukoresheje telefoni haba kuri application cyangwa ku mibare ukanda. Utagira konti ariko uyikeneye, si ngombwa ko ujya ku ishami rya BPR Plc kuko wifashishije telefoni, wowe ubwawe ushobora kuyifungurira.

Iyo umaze kuyibona kandi si ngombwa ko ugana ishami rya banki ngo bakwinjize mu bagenerwabikorwa ba mobile banking, wowe ubwawe na telefoni mu biganza byawe, murihagije. Ushobora kubikora ukanze ya mibare cyangwa ukanyura muri application.

Umuntu wamaze kwemererwa gukoresha mobile banking, agezwaho serivisi zirimo kureba amafaranga ari kuri konti igihe cyose ubyifuje, ukareba ibintu byose byakorewe kuri konti yawe (full statement) cyangwa bitatu biheruka (mini statement), nk’igihe ukeneye kubigenzura.

Igihe umaze kureba wenda nk’amafaranga usigaranye kuri konti, wifashishije telefoni yawe ushobora kwimurira amafaranga ku yindi konti yawe cyangwa iy’undi muntu iri muri BPR Plc. Si ibyo gusa kuko ushobora no koherereza umuntu amafaranga ku zindi konti, muri banki iyo ariyo yose ikorera mu Rwanda.

Ni uburyo bwizewe bwo guhererekanya amafaranga

Birashoboka ko nk’umuvandimwe ashobora kugira ikibazo agakenera amafaranga. Si ngombwa ko ufata urugendo uyamushyiriye, kuko uba ufite amahitamo menshi igihe uri umukiliya wa BPR Plc.

Bumwe muri ubwo buryo ni IZI Cash. Ni igihe umuntu umwoherereza amafaranga kuri telefoni, ukamuha umubare w’ibanga yakoresha ku cyuma cya BPR Plc aho kiri hose mu gihugu cyangwa ku mu-agent wa BPR Hafi umwegereye, agafata ya mafaranga bitamusabye ikarita isanzwe.

Ushobora no gukura amafaranga kuri konti yawe ukayoherereza umuntu kuri konti ye ya mobile money, ku muyoboro uwo ari wo wose ukoreshwa mu Rwanda, haba kuri MTN Mobile Money cyangwa Airtel Money.

Ushobora no kwishyura serivisi nyinshi

Muri serivisi umuntu ashobora kwishyura harimo kwishyura fagitire zitandukanye, kwishyura imisoro, kwishyura amafaranga y’ishuri cyangwa ifatabuguzi rya Star times, DSTV na Canal +.

Si ibyo gusa kuko harimo no kwizigamira muri Ejo heza, kwishyura fagitire z’amazi za WASAC, kwishyura amashanyarazi ya REG, kugura ifatabuguzi ry’amashanyarazi ngo uyahabwe iwawe, kugura amayinite yo guhamagara n’ibindi byinshi

Ukoresheje BPR mobile banking kandi umuntu ashobora gusaba agatabo ka sheki, cyangwa amakarita atandukanye ya BPR Plc.

Umukozi wa BPR Plc ushinzwe serivisi z'ikoranabuhanga, asobanurira abakiliya uko BPR Mobile Banking ikora

BPR itanga serivisi nyinshi hifashishijwe ikoranabuhanga