Ikoranabunga ni ingenzi mu buzima bwa buri munsi bw’ abanyagihugu. Ryihutisha serivisi kandi n’ ibikorwa by’ ingenzi bigakorwa neza mu gihe gito. Mu nzego zose z’ igihugu biba bisaba ko ikoranabuhanga ryitabwaho kugirango igihugu kitagira icyiciro gisiga inyuma. u Rwanda ni kimwe mu bihugu bya Afurika bikoresha ikoranabuhanga nk’inkingi ikomeye  mu kwihutisha iterambere.

Mu mwaka wa 2010 ni bwo sosiyete y' itumanaho ya MTN yatangije uburyo bwo kohereza no kwakira amafaranga hifashishijwe uburyo bw' ikoranabuhanga bwa Mobile Money. Ni mu gihe sosiyete ya Tigo na Airtel zo zatangije ubu buryo hagati ya 2011na 2013. Aha niho twavuga ko habaye inkomoko ya Digital Financial Services (DFS).

DFS ni uburyo bw' ikoranabuhanga bwifashishwa, umuntu cyangwa ikigo runaka yohereza cyangwa yakira amafaranga, abitsa cyangwa abikuza, yishyura ibicuruzwa cyangwa serivisi hakoreshejwe telefone, mudasobwa, ATM,POS….

Muri 2012, Banki nkuru y' u Rwanda BNR yagaragaje ko urwego rw'imari rwo mu Rwanda  rwari rufite  72% by'abantu bafite imyaka y' ubukure. Muri bo, 42% bakoranaga n' ibigo by' imari byemewe. 23% bakoranaga na banki z'ubucuruzi, 33% bakoranaga n'ibigo byemewe bitari  banki, 58 % bakoreshaga uburyo bwimari butemewe aribwo buzwi nk’amashyirahamwe (ibimina) yo kuzigama no kugurizanya.

Muri 2016, abarenga 65% bakoze ibikorwa byabo bifashishije uburyo bw' ikoranabuhanga bwa Digital Financial Services. Muri uwo mwaka;

• Amafaranga yakiriwe hifashishijwe  uburyo  bwa DFS ni 58%
• Ayishyuwe hakoreshejwe DFS ni  56%
• Kubitsa hakoreshejwe DFS byari kuri 41%
• Inguzanyo yatswe hifashishijwe DFS yari ku kigero cya 8 %
• Abishyuye ibicuruzwa bakoresheje DFS binyuze kuri konti ya mobile money bari 85%
• Abishyuye bakoresheje konti ya banki muri DFS muri 2016 bari 57%

Kuri ubu, mu Rwanda  abagera kuri 46% by' abafite imyaka y' ubukure bagera kuri serivisi zimari ya DFS ibafasha mu kwishyura ibicuruzwa na serivise zitandukanye. Gusa ntabwo abo bose ariko bitabira kuyikoresha kuko abagera kuri 15% ari bo bakoresha ubu buryo bwa DFS.

Muri 2019 mu kiganiro  minisitiri w’intebe Dr Eduard NGIRENTE yagezaga  ku nteko Ishinga amategeko imitwe yombi, yavuze ko guherekanya amafaranga hifashishijwe ikoranabuhanga ritandukanye byari mu byagezweho muri uwo mwaka  aho ibyuma byifashishwa mu gukura cyangwa gushyira amafarnga kuri konti bizwi nka Automatic Teller Machine (ATM) byari

• 229 muri 2012
• 383 muri 2018

Amafaranga yanyujijwe muri ATM yari

• Miliyari 180 muri 2012
• Miliyari 529 muri 2018

Utumashini tuzwi nka  POS (Point Of Sale) umubare w’atwo wari :

• 556 muri 2012
• 2801 muri 2018

Amafaranga yanyujijwe kuri POS: Miliyari 9 muri 2012 , Miliyari 85 muri 2018.  Uburyo bwa Mobile money na Airtel Money mu rwanda  (Mutarama-Kamena) 2012, amafaranga yahererekanyijwe yari Miliyoni 300 mu gihe  Amafranga yahererekanyijwe muri 2018 (Mutarama-Kamena) yari Miliyari 2,058.

Kuri ubu, ikoranabuhanga rirakataje aho hagenda haboneka ubundi buryo bwo kwishyura  bukoreshwa mu bigo by’imari bitandukanye nka  RTGS'(  Real Time Gross )Settlement, ACH (Automated Mobile banking, Payment card, Mobile payment, Internet banking).

Abakiriya bagana ibigo by' imari bishimira uburyo ikoranabuhanga ryabafashije cyane cyane muri ibi bihe bitoroshye u Rwanda ndetse n' Isi muri rusange byugarijwe na covid-19.

MUREKATETE  JACQUELINE utuye mu karere ka Gasabo mu murenge wa Kacyiru aganira na wazoplus yavuze ko ikoranabuhanga rimufasha cyane by' umwihariko muri ibi bihe u Rwanda ruhanganye no gukumira ubwandu bw' icyorezo cya Covid-19.  Ati:"Ikoranabuhanga riramfasha cyane kuko rindinda kwirirwa ntonze umurongo kuri banki  ngo mbone serivise zo kubitsa cyangwa se kubikuza, nifashisha  online banking kandi nkoresha ATM  ya banki nkorana nayo ya BK, kujya guhaha, kwishyurira abana  ishuri, umuriro nishyura nkoresheje telephone, kandi nkaba nizeye umutekano w’amafaranga yanjye".

Uretse abakiriya bagana ibyo bigo, uburyo bw’ikoranabuhanga bufasha  na za banki kuko byoroshya akazi bikongera  inyungu biturutse ku kuba banki biyigabanyiriza igiciro cy’ibyo yatakazaga.

Mu rwego rwo gushishikariza Abaturarwanda gukoresha ikoranabuhanga mu kwishyurana, Banki Nkuru y’u Rwanda yakoranye n’ibigo bitanga serivisi z’imari hakurwaho ikiguzi kuri bumwe mu buryo bwo kwishyurana hakoreshejwe ikoranabuhanga. Ibi byatumye igipimo cy’ubwishyu buto buto hakoreshejwe ikoranabuhanga kizamuka kigera kuri 54 % by’umusaruro mbumbe w’igihugu mu mpera za Kamena 2020, kivuye kuri 34.6 % mu mpera za Kamena 2019. Iki ni ikimenyetso cyerekana ko  u Rwanda ruzesa imihigo rwihaye, ko kwishyura hakoreshejwe ikoranabuhanga bizaba bigeze ku kigero cya 80% muri 2024.

Urwego rw'imari mu Rwanda rugizwe n'amabanki 9 y'ubucuruzi, amabanki 4 y' imari iciriritse, Micro Finance Institution (MFI) 491 (harimo SACCOs n' izindi MFIs) . Iyo witegereje usanga igice kinini cya banki z' ubucuruzi kitarinjira  mu cyaro, ndetse ahanini  amashami y' ubucuruzi n’imari iciriritse usanga aherereye muri Kigali no hafi yayo.