Imishinga y’ikoranabuhanga mu by’imari yo kwitega mu Rwanda rwa 2023

Serivisi z’imari zikomeje kujyana n’udushya twinshi aho mu Rwanda kuva mu myaka ishize ibigo bizishingiyeho bitahwemye kwiyongera no kwinjiza impinduka muri urwo rwego. Izi serivisi zikomeje gufasha mu mikorere y’amabanki ndetse ikoranabuhanga zifashisha rigira uruhare mu gutuma abakiliya bazibona kandi bakanogerwa na zo.

Dushobora gufatira ingero nko kuri AC Group yashinzwe mu 2015, kuva ubwo yatanze umusanzu mu by’ingendo binyuze mu ikoranabuhanga rya Tap and Go rikoreshwa muri za bisi hirya no hino mu gihugu.

Iyi minsi ibigo bishya n’ibisanzwe bikomeje kuyoboka iyi nzira y’itangwa rya serivisi hifashishijwe ikoranabuhanga cyane cyane mu by’imari.

Muri iyi nkuru tugiye gukomoza kuri imwe mu mishinga y’ikoranabuhanga yo guhanga amaso muri uyu mwaka wa 2023 n’ibyo beneyo baduhishiye mu gaseke.

PayingTone

Ni Ikigo cy’Ikoranabuhanga mu by’Imari, giharanira kugeza ku bakiliya serivisi n’ibicuruzwa bitandukanye mu buryo butagoye kandi bujyanye n’imibereho yabo ya buri munsi. Gifite inshingano yo gufasha abantu kubona izo serivisi z’imari aho biciye kuri application yacyo, abayikoresha bashobora guhabwa inguzanyo nto zibafasha mu kubona iby’ibanze bakenera.

Application ya PayingTone iboneka ku bakoresha Google Play Store na App Store aho amakuru batanga abafasha mu kugena ingano y’inguzanyo bahabwa.

Iki kigo cyashinzwe na Ignace Turatsinze afatanyije na Brenda Munezero. Aba bombi baherutse gutsindira ibihumbi 20 by’amadolari ya Amerika mu Irushanwa Hanga Pitchfest 2022 nyuma yo kwegukana umwanya wa kabiri.

Pesachoice

Pesachoice yashinzwe mu 2016 bigizwemo uruhare na Davis Nteziryayo unayibereye umuyobozi. Yari afatanyije na bagenzi be, bagamije kuvanaho imbogamizi Abanyafurika n’Abanyarwanda baba mu mahanga bahura na zo mu bijyanye na serivisi z’imari by’umwihariko mu guhamagara no kohererezanya amafaranga.

Iki kigo cyigaragaza nk’izingiro rya serivisi umuntu akenera mu by’imari aho cyibanda mu byo gutanga inguzanyo hamwe n’ibijyanye n’imikorere ya mudasobwa bizwi nka MIDAS HR Software.

MIDAS HR Software ifasha abantu mu micungire y’ibikorwa byabo umunsi ku wundi, ikabafasha gushyira ibintu ku murongo mu bushabitsi bwabo kandi badakoresheje imbaraga nyinshi.

Iki kigo muri rusange kigoboka abantu mu kuziba ibyuho bahura na byo mu gihe bagize impamvu ishobora gutuma bakenera amafaranga kandi imishahara yabo itaraza, maze bakabasha kwikemurira ibibazo bibatunguye.

Exuus

Exuus ni Ikigo Nyarwanda cyashyizeho uburyo bw’ikoranabuhanga bufasha amatsinda yo kwizigama kubikora neza biciye ku rubuga cyashyizeho rwitwa “SAVE”, rufasha cyane abibumbiye hamwe bashaka kwizigama ku bw’intego runaka.

Uru rubuga rufasha mu kwizigama, kubona inguzanyo no gukomeza gukurikirana ihererekanwa ry’amafaranga biciye kuri murandasi.

Exuus yashinzwe na Shema Steve mu 2014, akaba ari na we uyibereye umuyobozi mukuru.

Udustars

Yashinzwe na Christian Ngabo, ikora nk’urubuga nkoranyambaga mu guhuza abantu, ariko ikanatanga serivisi z’imari zishingiye ku ikoranabuhanga. Ifasha abantu mu kwandikirana, gushyiraho amafoto n’amashusho.

Si byo gusa kuko inafasha abayikoresha kohererezanya amafaranga no kuba babasha kwishyura ibintu runaka kuri murandasi bakoresheje ikarita y’ikoranabuhanga bakesha Udustars.

Uru rubuga runatanga amahugurwa ku bijyanye n’imari, aho rufite intego yo guhuza abantu ariko bakanagira ibyo bigiranaho kandi bakanazamuka mu buryo bw’ubukungu.

Rubumbatiye ibintu bitatu birimo guhuza abantu, ibijyanye n’amafaranga ndetse no kugira ikofi n’ikarita by’ikoranabuhanga. Runafasha abayikoresha mu bikorwa bitandukanye birimo nko kwishyura hifashishijwe Mobile Money, Banki cyangwa M-Pesa, ndetse rushobora no gukoreshwa mu kongera amafaranga ku ikarita.

Vuga Pay

Vuga Pay ibarizwa mu Kigo Nyarwanda cyitwa Vuga Ltd. Itanga serivisi zijyanye n’ibyo kwishyura, nyuma yo gushingwa ku bufatanye bwa Patrick Muhire na Cedrick Muhoza.

Ifasha ibindi bigo na ba rwiyemezamirimo bakora ubushabitsi kuba bakoroherwa no kohereza amafaranga byaba mu kwifashisha amakarita, serivisi za Mobile Money, ibya Bitcoin binyuze kuri API kimwe na USSD n’ibindi byifashisha telefoni ngendanwa na murandasi.

Vuga Pay ifite icyivugo kigira kiti “ikofi y’ikoranabuhanga” aho abayikoresha bashobora guhuza konti yayo n’iya Mobile Money, Bitcoin na konti zabo za PayPal hamwe n’amakarita.

Mu gihe cy’ihererekanwa ry’amafaranga kuri Mobile Money, hifashishijwe Vuga Pay, nta kiguzi umuntu asabwa. Icyakora ku bakoresheje ubundi buryo burimo PayPal, Bitcoin na banki, umukiliya akatwa 3% kuri buri gikorwa cyo kohereza akoze.

Uplus mutual partners

Uplus Mutual Partners (U+) ni Ikigo cy’Ikoranabuhanga gifasha mu by’Imari, aho abakorana, imiryango n’inshuti bashobora kuyifashisha mu kwizigama cyangwa se n’ikindi gikorwa icyo ari cyo cyose kibafasha gukusanyiriza amafaranga hamwe.

Iboneka nka Application, haba ku bantu bakoresha iOS cyangwa se abakoresha Android ku buryo igirira abantu umumaro haba mu buryo bw’imibanire n’ubwo kwiteza imbere mu mikoro.

Food Bundles

Food Bundles yashinzwe na Dioscore Shikama, ikaba ifasha by’umwihariko mu byerekeranye no kugeza ku bantu ibyo kurya by’ako kanya bikimeze neza.

CentWise

Ni urubuga rwashyiriweho gufasha abacuruzi bato muri Afurika kubona igishoro, aho bashobora guhaha ibicuruzwa, bakazabyishyura nyuma bamaze kubicuruza.

CentWise ikuraho inzitizi ishoramari rito rigitangira rihura na zo ahanini ziganjemo igishoro kidahagije. Mu korohereza ba nyiraryo barimo nk’abazunguzayi, bahabwa ibicuruzwa hanyuma bakazabyishyura nyuma.

Bafana

Bafana ifasha abahanzi n’abanyabugeni bo ku Mugabane wa Afurika gusangiza abantu ibyo bakora, ikanabafasha gukusanya amafaranga abivamo.

Binyuze kuri uru rubuga, abahanzi b’Abanyafurika n’abakinnyi bafashwa guhura n’abafana babo no kubyaza umusaruro ubwo bwamamare ku Isi yose.

Bafana yashinzwe na Yves Mugenga na Isaac Muraganwa mu Ukwakira 2020. Ifasha abahanzi cyangwa abakinnyi gutunga konti zihariye zishobora kubafasha kwerekaniraho impano zabo n’ibihangano byabo hanyuma ababyishimiye bakabigura.

Kudibooks

Ni software ya mudasobwa ifasha ibigo bito mu byerekeranye n’ibaruramari cyane cyane ibikoramo abakenera kwiyambaza izo serivisi ariko batabikora nk’abanyamwuga.

Kudibooks yagenewe abakora ubucuruzi buto n’ubuciriritse bagorwa no kubona ubushobozi bwo gukorana n’ababaruramari b’umwuga.

Kudibooks kandi itanga ubumenyi ku mikoreshereze y’imari binyuze mu nyigisho zitandukanye zinyuzwa ku rubuga rwayo.