U Rwanda rwaje imbere mu bihugu bya Afurika byihuse mu kuzamura ubukungu binyuze mu ikoreshwa ry’ikoranabuhanga mu rwego rw’imari, Fintech, nk’uko bitangazwa n’Icyigeranyo cy’Isoko ry’Imari rya Afurika cya Absa (Absa Africa Financial Markets Index /AFMI).
Iki cyegeranyo kigaragaza ko ibipimo u Rwanda rwari ruriho mu mwaka ushize wa 2024, byazamutse bikagera kuri 54 bivuye kuri 46%.
Ibi byatumye u Rwanda ruba igihugu cyongereye amanota kurusha ibindi mu kuzamura ubukungu hashingiwe ku iterambere ry’isoko ry’imari, mu bihugu 29 by’Afurika byakorewe ubu bushakashatsi.
Ni ubushakashatsi bukozwe ku nshuro ya cyenda, aho bukorwa hagendewe ku nkingi esheshatu arizo; kongera amasoko, koroshya ibikorwa by’ivunjisha, kugira isoko ryizewe, kugira amategeko agenga iryo soko, ikigega gishinzwe ubwishingizi bw’imari n’ubukungu burengera ibidukikije.
Impamvu nyamukuru yatumye u Rwanda ruba igihugu cyateye imbere kurusha ibindi muri raporo ya Absa AFMI, ni uko rwashyize imbaraga mu guteza imbere ikoranabuhanga rikoreshwa mu rwego rw’imari (Fintech).
Nk’uko bitangazwa na Absa, Ikigo cy’Isoko ry’Imari mu Rwanda (CMA) cyaje ku isonga mu ishyirwa mu bikorwa rya gahunda yo guteza imbere ikoranabuhanga mu rwego rw’imari, gifatanyije na Banki Nkuru y’u Rwanda (BNR) mu gushyiraho urwego rwa Regulatory Sandbox.
Regulatory Sandbox ni ahantu ho kugeragereza ikoranabuhanga rishya mu buryo rigenzurwa ariko bitarubahiriza burundu amategeko yose agenga ikigo runaka.
Kuva gahunda ya Regulatory Sandbox yatangira mu 2022, amasosiyete 17 akoresha ikoranabuhanga mu rwego rw’imari, amaze kwemererwa gukoreramo, aho buri sosiyete isabwa kugaragaza udushya itanga mu by’imari, ubushobozi bwo gukora igerageza mu buryo bwizewe ndetse no gutegura ingamba zo gucunga ibyago bishobora kuvuka mu gihe cy’igerageza.
U Rwanda rwazamutse ruturutse ku mwanya wa 18 rugera ku mwanya wa 12 mu myaka ibiri ishize, binyuze mu gukoresha gahunda ya FinTech na Regulatory Sandbox
Biteganyijwe ko ikoranabuhanga mu by’imari rizaba rigize hafi 4% by’umusaruro mbumbe w’igihugu mu 2029, bivuye munsi ya 1% byariho mu 2024, ndetse bizagendana no gushyiraho ifaranga ry’ikoranabuhanga, n’ibindi bikorwa by’imari bishingiye ku ikoranabuhanga.
U Rwanda ubu rubarirwa mu bihugu 16 bya Afurika bifite Regulatory Sandbox, bikaba bigaragaza uburyo igihugu gikomeje kuba icyitegererezo mu guteza imbere isoko ry’imari rishingiye ku ikoranabuhanga.
