Hari abantu benshi bemera kwakira cyangwa kohereza amafaranga ku bandi, bibwira ko ari ugufasha inshuti, umuvandimwe cyangwa undi muntu ukeneye ubufasha. Nyamara, abashinzwe umutekano ku ikoranabuhanga bagaragaza ko ibi bishobora kuba uburyo bwifashishwa n’abajura mu guhisha inkomoko y’amafaranga yibwe, bigatuma n’uwabafashije ashobora kwisanga mu bibazo by’amategeko atabiteganyije.

Ubushakashatsi bwakozwe na TransUnion Africa bwerekanye ko nubwo ibyaha by’ubujura bwo kuri murandasi byagabanutse mu 2025, hari uburyo bushya abajura bakoresha burimo kunyuzamo amafaranga yabo kuri konti z’abandi bantu. Ibi bikaba byaragaragaye ku kigero cya hafi 30% mu byaha byakozwe, aho aba bantu bakoreshwa mu gusibanganya ibimenyetso.

Aba bafasha mu ihererekanya ry’ayo mafaranga akenshi baba bizeye abo bayahawe, cyangwa bakabikora batabanje gusobanukirwa neza inkomoko yayo. Nubwo bimeze bityo, iyo ibikorwa by’ubujura bikurikiranywe, na bo bashobora kubibazwa, kuko baba bagize uruhare mu ihererekanya ry’amafaranga yibwe.

Iyo raporo igaragaza ko abenshi mu bibasiwe n’ubu buriganya ari abantu bakoresha murandasi bagura ibintu bitandukanye, aho bibasirwa cyane mu gihe batanga amakuru yabo bwite cyangwa bafungura konti ku mbuga zitizewe.

Imibare igaragaza ko ihererekanya ry’amafaranga ryakekwagaho ubujura ryari kuri 1,6% mu 2025, rivuye kuri 2,7% mu 2024. Nubwo iri gabanuka rigaragara, riracyari munsi y’impuzandengo mpuzamahanga iri hafi 3,8%, ariko ntibivuze ko ikibazo cyacitse.

Abajura bakomeje guhindura amayeri, aho usibye kunyuzamo amafaranga ku bandi bantu, hari n’ubundi buryo bwinshi bwiyongereye. Harimo kwinjira kuri konti z’abantu no kubiba amafaranga, kwiba amakuru bwite, gukoresha amakarita ya banki mu buryo butemewe, ndetse n’uburiganya bwiyitirira amahirwe y’akazi cyangwa inyungu zitabaho.

Hari kandi ubundi buryo bugaragara cyane nko kwiyitirira abantu cyangwa ibigo, kohereza ubutumwa bugufi bugamije kwiba amakuru, gukoresha imbuga nkoranyambaga n’ubundi buryo bw’ikoranabuhanga nka QR codes mu gushuka abantu.

Umuyobozi muri TransUnion Africa ushinzwe kurwanya ubu buriganya, Amritha Reddy, asobanura ko abantu bohereza cyangwa bakira amafaranga y’abajura baba nk’ikiraro kibahuza n’ibyaha by’imari, kabone n’iyo baba batabizi.

Yagize ati, “Abenshi mu bafasha aba bajura babikora batazi ko ari uburiganya, ariko bakabafasha kwimura amafaranga yibwe ku buryo bigorana kubakurikirana.”

Mu Rwanda, nubwo hari intambwe imaze guterwa mu kugabanya ubu buriganya, inzego zireberera ikoranabuhanga zikomeza gushyira imbaraga mu gukaza umutekano w’amakuru y’abantu. Harimo no guhuza amakuru abitswe na NIDA n’ibikorwa bikorerwa kuri murandasi, mu rwego rwo gukumira abiyitirira abandi.

Izi ngamba zitezweho kongera ubwirinzi, cyane cyane mu gukoresha ikoranabuhanga rigezweho ririmo uburyo bwo kwemeza umwirondoro w’umuntu hifashishijwe ibimenyetso bye bwite.

Nubwo imibare igaragaza ko ibyaha bigabanuka, inzego zibishinzwe ziburira abantu kwitonda, birinda kwakira cyangwa kohereza amafaranga batazi inkomoko yayo, kuko bishobora kubashyira mu kaga k’amategeko no gufasha abajura gukomeza ibikorwa byabo.