Equity Bank Yerekanye Ingamba za Mvno na Gahunda yo Kuzamuka

Equity Bank u Rwanda rwatangije gahunda y’isosiyete yo guhita itanga amakarita ya Visa ya Automatic Teller Machine (ATM) mu gihe Banki ishaka gukomeza kugumya serivisi z’abakiriya ku rwego rw’isi. Hamwe nogutangiza gahunda yo gutanga ATM ako kanya kumashami yacyo yose, abakiriya ba Equity Bank bazahabwa ubu amakarita ya Visa ya Equity Bank azwi cyane mukarere. Gutanga ako kanya ubu bishyira Equity Bank Rwanda muri shampiyona itandukanye kuko ibaye banki ya mbere mu Rwanda itanga amakarita ya ATM ako kanya.

Ikarita ya Visa ya Equity Autobranch ifite tekinoroji ya Europay, MasterCard na Visa (EMV) yemeza ikarita yinguzanyo no kubikuza kandi ikanatanga umutekano hamwe n’imikoranire yisi yose yamakarita yo kwishyura. Ikarita ya Visa ya Autobranch ituma abakiriya bishyura ibicuruzwa na serivisi kubicuruzwa nka supermarket, sitasiyo ya lisansi, amahoteri, resitora n’amaduka. Abakiriya barashobora kandi gukoresha ikarita ya Visa ya Autobranch kugirango bakuremo amafaranga binyuze muri ATM na point of sale; kubitsa amafaranga ukoresheje ATM hamwe nabakozi ba Equity; kwishyura fagitire zingirakamaro binyuze muri ATM; shaka amakuru na serivisi kuri konte ya banki kandi ugere kubikorwa byigihe gito.

Gahunda yo gutanga ako kanya izakorwa mumashami yose yo mu Rwanda mugihe cyamasaha yakazi. Gufungura konti abakiriya bazasabwa gutwara kopi yamakarita yabo yigihugu hamwe namafoto ya pasiporo. Abakiriya bariho nabo bazabona ikarita yabo ya Equity Autobranch Visa ako kanya mugihe cyibikorwa, mugihe abakiriya bashobora kubona amakarita yabo mugukingura konti.

Iterambere ryiterambere mu ikoranabuhanga, guhindura imiterere y’ubukungu hamwe no kwiyongera kw’isoko ry’imbere mu gihugu ndetse n’amahanga byatumye habaho udushya twihuse mu bijyanye n’imari.

Avuga ku majyambere agezweho, Equity Bank Rwanda MD Bwana Samuel Kirubi yagize ati: “Turumva ko kugira ngo dukomeze kuba ingirakamaro muri iyi si ifite imbaraga, yihuta cyane ndetse n’inganda zitanga serivisi z’imari yihuta cyane; dukeneye kwemeza ko dukemura ibibazo byihariye by’abakiriya bacu. Iterambere rishya rije mu gihe ubukungu bw’Afurika y’Iburasirazuba busa nkaho bukurura inyungu nyinshi bitewe n’ubukungu bw’ishoramari muri ubu bukungu.”

Equity Bank iherutse kuzamura itsinda rya IT rihuriweho kandi rikomeye rya IT ryashoboje Banki gutangiza ikoranabuhanga rishingiye ku ikoranabuhanga rizakomeza gutanga imikorere yuzuye y’ubucuruzi kandi inazamura uburambe bw’abakiriya.
Kirubi yongeyeho ati: “Twabaye intangarugero mu gushyiraho inzira nshya mu rwego rw’amabanki mu karere kose kandi iyi ni intambwe ikomeye izarenga ku byo abakiriya bacu baha agaciro. Banki ya Equity Bank igaragaza ubushobozi bwayo bwo gutanga ibicuruzwa na serivisi bigira uruhare mu kuzamura isoko ry’u Rwanda.”

Ibyerekeye Itsinda rya Banki
Itsinda rya Equity Bank ni imwe mu mabanki akomeye yo mu karere afite intego yo guhindura imibereho n’imibereho y’abaturage ba Afurika mu mibereho no mu bukungu babakoresha serivisi z’imari zigezweho, zirimo kandi zikoresha amahirwe menshi. Mugihe ikirango cya Equity kijyanye no kongerera ubushobozi abadafite amabanki & igice cyabaturage badafite amabanki, Banki yahindutse ihinduka banki yuzuye kuri bose. Hamwe na konti zirenga miliyoni 8.7, Equity Bank niyo banki nini mu karere mu bijyanye n’abakiriya. Iyi Banki ifite ibikorwa muri Kenya, Uganda, Sudani y’Amajyepfo, u Rwanda, na Tanzaniya kandi iri ku rutonde rw’imigabane ya Nairobi no kuvunja kwa Uganda.

Byongeye kandi, urubuga rwa IT rwashyizwe ahagaragara kandi rukomeye hamwe na Tier 4 data center itanga imikorere yubucuruzi yuzuye, imbaraga zidasanzwe zubucuruzi nubushobozi, kuboneka cyane no kwizerwa kandi ishyigikira uburambe bwabakiriya.

Equity Bank yafashe ingamba zifatika zo kuzana amabanki muri banki – igihe cyose yoroshya uburyo bwo kwishyura no gucuruza – bituma Abanyakenya bose binjira cyane. Hamwe na serivisi nshya ya MVNO, Equity bank izatanga urubuga rwa banki rwizewe rutangwa binyuze kuri terefone igendanwa. Ingamba zo kugena ibiciro zizagabanya abunzi hagati y’amafaranga ajyanye no gucuruza amafaranga – kuzigama amafaranga ku Banyakenya ku giti cyabo ndetse n’ubukungu bwa Kenya muri rusange. Ihererekanyabubasha rya terefone rizishyurwa kuri 1% yagaciro kicuruzwa ugereranije n’isoko ryiganje rya 16%. Amafaranga azashyirwa kuri Ksh 25 kuri buri gikorwa. Byongeye kandi, inguzanyo zihita zizaboneka ntarengwa 2% buri kwezi ugereranije na 7.5% buri kwezi zitangwa ku isoko.

Equity MVNO izerekana gusa serivisi zayo zose za banki muri terefone igendanwa. Muguhuza konti na terefone igendanwa, abakiriya barashobora gusaba inguzanyo, kwimura amafaranga muri konti zabo no kuri konti yabo no kwishyura fagitire. Byongeye kandi, binyuze muri banki ya Equity ihuza imiyoboro myinshi, abakiriya bazashobora gukora ibicuruzwa byambukiranya imipaka kuri terefone zabo zigendanwa. Bazakira amafaranga yoherejwe kuri konti zabo kandi babone binyuze kuri nimero zabo za terefone igendanwa, Equity Agents, ATM cyangwa amashami.

Abakozi ba Equity Bank bazatangira kugerageza serivisi ya MVNO uyumunsi nkicyiciro cya nyuma cyibizamini mbere yuko serivisi itangira kubaturage muri Nyakanga 2014.

Dr. Mwangi yagize ati: “Twumva ko udushya n’ikoranabuhanga byaduhaye amahirwe meza yo gukomeza imigenzo yacu yo guhemba abakiriya bacu kugenzura no kwisanzura. Abakiriya bacu bose bazahabwa simukadi zabo ziteguye gukoreshwa mu gihe tumaze gutangira.”

Byongeye kandi, Dr Mwangi yavuze ko mbere yo gutangiza isoko ryuzuye muri Nyakanga, Equity Bank yatumiye Abanyakenya bose barengeje imyaka 18 bifuza kwishimira amabanki ya terefone igendanwa yazamuye konti ya Equity Bank ako kanya kuri telefoni zabo. Dr Mwangi yabisobanuye agira ati: “Uyu munsi turafungura ibi bishoboka binyuze muri serivisi nshya ya Equity Bank Hapo Hapo igushoboza gufungura konti kuri terefone yawe uhamagara * 247 #, wandike inomero y’irangamuntu kandi uzahita ubona nimero ya konte yawe na Pin ako kanya.” Igikorwa cyo gufungura konti cyiyubashye kandi cyoroshe kuko umuntu ashobora gufungura konti ya Equity Bank kuri terefone yabo hatitawe kuri mobile yabo
umukoresha wa terefone.

Gukuramo Gahunda

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