Kuva mu mwaka 1998 ubwo itumanaho mu Rwanda ryatangiye kwaguka bihereye ku kigo cy’itumanaho MTN Rwanda Cell Ltd, ikoranabuhanga ryarenze uguhuza Abanyarwanda mu itumanaho rigera no ku rwego rwo kubafasha mu icungamutungo bikora nk’ibigo by’imari byagerejwe abaturage.

Nyuma ya MTN haje ibindi bigo by’itumanaho ari byo Tigo Rwanda Ltd, Rwandatel yananiwe imaze igihe gito na Airtel Rwanda ikiri nshyashya ku isoko. Ibi bigo byose yazanye udushya mu marushanwa ku icungamutungo biciye muri MTN Mobile Money, Tigo Cash na Airtel Money rizana inyungu ku banyarwanda.

MTN Rwandacell yadukanye MTN Mobile Money mu mwaka wa 2010, Tigo Rwanda Ltd ikurikiraho na Tigo Cash mu 2011 na Airtel itangirana Airtel Money muri uyu mwaka. Nk’uko bivugwa n’abakoresha telefoni mu Rwanda, ibigo by’itumanaho byaborohereje gukoresha amafaranga yabo igihe cyose batarinze gutegereza amabanki cyanga ibindi bigo by’imari.

Abenshi bavuga ko uko ibi bigo byagiye byiyongera byazanye inyungu z’ikoranabuhanga n’ihenduka rya serivisi ku baturage.

MTN Mobile Money (MM)

Mu bakiriya bagera kuri 3 600 000 bakoresha MTN Rwanda mu gihugu, hafi miliyoni n’igice banditswe muri MM kandi babasha kubona serivisi zirimo Kubitsa no kubikuza amafaranga, kuyoherereza abanditswe muri MM n’abatayirimo, kugura umuriro w’amashanyarazi, kongera amafaranga yo guhamagara muri telefoni (airtime).

Kuri Mobile Money amafaranga yemewe koherezwa ni kuva ku 1 500 kugeza ku bihumbi 500 ku gikorwa kimwe. Umwihariko wayo ni uko ushobora kohereza amafaranga no ku bari hanze y’u Rwanda (Diaspora).

Albert Kinuma ushinzwe ubucuruzi muri MTN avuga ko n’abatariyandikisha bagenda basobanukirwa n’akamaro kayo, cyane ko MTN MM imaze kugeza ku bakozi bagera ku 2000 mu gihugu.

Kazungu Damien utuye mu murenge wa Gatenga, Akarere ka Kicukiro, Umujyi wa Kigali avuga ko abenshi binubira ibiciro bya MTN, cyane ko ari yo yatangiranye ibiciro bihanitse bimwe bikagabanyuka haje Tigo Cash.

Tigo Cash

Tigo Cash yatangiye mu mwaka wa 2011, ku buryo hari n’abavuga ko yagiyeho mu buryo bwo kwigana MTN Mobile Money. Muri miliyoni zigera kiru ebyiri zikoresha umurongo wa Tigo kugeza ubu, abakoresha Tigo Cash basaga icya kabiri.

Ibi bikaba bijyana n’uko Tigo yagerageje gukwiza iyi serivisi ahantu hose hashoboka, kuko ubu ushobora kubona umukozi wa Tigo Cash ahantu hose haba umurongo wa Tigo Rwanda.

Kayitana Pierre, umuyobozi ushinzwe itumanaho muri Tigo yagize ati «Dufite abakozi ba Tigo Cash (Agents) 6 000 mu gihugu hose kandi ntibisaba kuba bari mu biro ahubwo bazengurukana serivisi zacu.»

Uretse serivisi yo kubitsa, kubikuza, kugura Airtime kugura no amashanyarazi, Kayitana yongeraho ko bongereye amahirwe abakiliya babo, bakaba bashobora kwishyura amazi, Tike z’ingendo (serivisi yatangiye gutangwa kuri sosiyete y’ubwikorezi ya Volcano) ndetse n’uguze ikarita na Tigo Cash agahabwa inyongera ya 50 %.

Uretse aka gashya Tigo Cash yatanze na serivisi zayo mu buryo bw‘icyuma gikora nka ATM zo mu mabanki (Tigomatic), aho ushobora kubikiriza cyangwa ukabikuza igihe ushakiye, ukaba wanakoresha SIM swap igihe wanditse muri Tigo Cash.

Bamwe mu baturage baganiriye na IGIHE, bavuga ko Tigo ifite umuvuduko mwinshi n’ubwo hari serivisi yiyemeza ntizishyire mu bikorwa; nko gufatanya n’abatwara moto ngo tike ijye yishyura kuri Tigo Cash. Kayitana yasobanuye ko kwishyura moto kuri Tigo Casha cyari igitekerezo batangaga atari serivisi nk’iyo kwishyura Tike y’imodoka, kuko hari inzira bicamo iyo ukanze *777# ugakurikiza amabwiriza.

Airtel Money (AM)

Airtel Money ifite umuvuduko ukabije uruta uw’ibindi bigo iyo ugereranyije n’umubare ifite, ndetse n’isoko imaze kugira mu gihugu uhereye mu mwaka wa 2011.

AM imaze kubona abakiliya basaga 70 000 mu bafatabuguzi bayo bagera kuri miliyoni nk’uko byashimangiwe na John Magara ushinzwe iyamamazabikorwa muri Airtel Rwanda. Igitera uyu muvuduko ni uko yo itishyuza umukiliya wayo wohereje amafaranga ku murongo uwo ari wo wose ukorera mu gihugu, kandi ikaba yaramanuye n’ibiciro ikata ku mukiliya ubikuje kugeza ku mafaranga y’u Rwanda 30.

Na none kandi AM yatangiye guhuzwa n’amabanki nka BCR, aho ushobora gukoresha amafaranga ari kuri konti ya Banki utarinze kugera kuri banki ahubwo uyakururishije telefoni yawe.

Magara ati «Twabanje kwiga uko abandi bakora mbere yo kwinjira mu Rwanda. Mu gihe ibindi bigo bitarenza inyongera ya 100% ku mukiriya ushyize amafaranga muri telefoni ye, kuri MM na TC, AM yo imuha 150% kugira ngo dukangure ibyifuzo by’abakiliya.»

Bitewe n’udushya Airtel ifite two kuba guha urubuga rusesuye abakoresha imirongo yose mu Rwanda, igenda yunguka abiyandikisha muri AM basaga igihumbi buri Munsi.

Kanyamibwa Jean Paul wagerageje imirongo yose uko ari itatu akaba atuye mu murenge wa Remera, Akarere ka Kicukiro, avuga ko ashimira Guverinoma ikomeje guhereza amahirwe n’ubwisanzure ibigo bitandukanye ngo bipiganwe, kuko ari ho havuka amahirwe ya rubanda rugufi.
Kanyamibwa ati «Iyaba hazaga n’ikindi kigo n’amafaranga dutanga duhamagarana yagabanyuka akagera ku bice ku munota!»

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