RwandaOnline Platform Ltd. partners with MobiCash to enable citizens apply for e-Goverment services through Irembo
24/05/2016....Kigali, Rwanda. RwandaOnline Platform Ltd., pioneer of Irembo an online portal aimed at bringing government services closer to citizens and businesses has partnered with electronic payment gateway, MobiCash Rwanda to enable people access to government services more conveniently.
Through the partnership, services enlisted under the Irembo web portal will be accessible through over 900 MobiCash agents located countrywide, which include the Sector Credit and Savings Cooperatives (Umurenge SACCOs).
Speaking after signing the agreement at the RwandaOnline Platform Ltd offices in Nyarutarama, Kigali yesterday, Clement Uwajeneza, the Chief Executive Officer of RwandaOnline said “the partnership is a step forward in making Government services on Irembo more accessible especially to users in rural areas. We want to take advantage of MobiCash’s rural outreach through the SACCOs to enable people to apply, pay and get the services they want from Irembo much more conveniently. By providing people with a much more user-friendly approach, they will be able to embrace the use of technology faster,” he noted during the press conference.
The MobiCash agents will be able to offer the following services of Irembo:
Registration for Driving Test (Provisional, supplementary & Definitive),
Criminal record clearance certificate
Certificate of being single
Transfer of land sale (voluntary)
Single entry visa
Conference visa- single entry
East Africa Tourist Visa
Death registration & certificate
Transfer of land title
Replacement of national ID
Billboard, banner & signpost
Application for national ID
Driving license category upgrade
Duplicate of definitive and provisional driving license
Pascal Nyagahene, the Chief Executive Officer of MobiCash Rwanda, said: “Our over 3 million customers who use MobiCash will welcome the convenience to make e-Government services available to them while saving an incredible amount of time”.
Once the citizen successfully applies for an e-Government service from the Irembo portal (www.irembo.gov.rw) they will receive a billing ID which they will use to process payment.
MobiCash Rwanda Ltd is a secure cashless mobile financial platform. Its commitment is to bring a fundamental innovation with convenience and easy access to banking and payment services to everybody including those not served by financial institutions regardless their financial status; thus, deepening the financial sector.
MobiCash solution offers a refreshing approach to mobile payment that overcomes the challenges of cashless payment. MobiCash is a multi-accessible financial transaction platform that provides clients with options to use their electronic money rather than instantly converting it back into cash allowing many unbanked and under-banked citizens to access different e-government services and value added services such as prepaid airtime and electricity.
About RwandaOnline Platform Ltd.
RwandaOnline Platform Ltd.(www.rwandaonline.rw) is, at its core, a pure game changer in the continent as it aims to positively improve the lives of Rwandan citizens and businesses by acting as the catalyst of the transformation of Rwanda through technology. The company employs over 50 persons and is focused on its mission to “Build and operate a platform that enables the automated and online provision of Government services to citizens and businesses” by leveraging on the strong alliances they have built with key local and international partners.
MobiCash, Boloro partner Big Save Group to boost financial inclusion in South Africa
MobiCash and Boloro, together with Big Save Group, a wholesaler operating within South Africa, have launched a mobile payments ecosystem in the townships of South Africa.
The first step in the strategy is Boloro's retail acceptance application of MobiCash's digital money. This partnership allows small scale retail businesses to offer handset agnostic, merchant initiated payments using MobiCash multi-factor biometric authentication together with Boloro's PIN authentication that uses Network Initiated USSD messaging. First roll-outs are expected in Q2 2016.
MobiCash, a cashless financial platform headquartered in Hong Kong, offers mobile banking services in 13 African countries including Rwanda, Uganda, Burundi, Kenya, Ghana, Tanzania, Cameroon, DRC, Malawi, Zambia, Zimbabwe, Botswana and South Africa. MobiCash solution uses multi-factor authentication mechanisms such as: fingerprint, Near Field Communication (NFC) Cards and Voice biometric technology prior to authorizing any funds transfer.
Boloro is a mobile payments network offering consumers the ability to pay for goods and services using any kind of mobile phone and any source of funds. Boloro replaces cash and offers financial services to the many unbanked in emerging markets.
Viza na Pasiporo bizajya byishyurirwa kuri telefoni
Viza na Pasiporo bizajya byishyurirwa kuri telefoni
Ikigega cy’Iterambere mu Bucuruzi (BDF) na Sosiyete ya MobiCash byafatanyije mu kwagura gahunda yo korohereza Abanyarwanda guhererekanya amafaranga no kwishyura serivisi zitandukanye bifashishije telefoni. Muri serivisi zaguriwe amarembo mu ikoranabuhanga harimo izo kwishura Viza na Pasiporo (Passport) hamwe no kwishyura imisoro mu kigo cy’Igihugu cy’Imiroso n’amahoro (RRA), umuriro n’amazi n’izindi nyinshi zitandukanye Abanyarwanda bakenera mu buzima bwabo bwa buri munsi. Iyi gahunda yatangijwe ku rwego rw’igihugu tariki 7 Ugushyingo 2015 mu Karere ka Karongi nyuma y’uko Sosiyete Mobicash ikwije izi serivisi ku mashami 30 ya BDF aboneka mu gihugu hose.
Umuyobozi wa MobiCash Pascal Nyagahene, yayagaragaje ko ubufatanye na BDF muri iyi gahunda ari ingirakamaro kuko bizafasha abatuye mu byaro kubona serivisi zitandukanye batiriwe basiragira mu ngendo bagana mu mijyi, binagabanye amafaranga ashobora kuzimirira mu nzira. Yagize ati “Dukeneye ko abanyarwanda benshi barushaho gukorana natwe bafunguza amakonti azabafasha guhererekanya amafaranga no kwishyura Pasiporo zabo hamwe n’izindi serivisi bitabasabye kuva mu ngo.” Sosiyete MobiCash, yahawe ububasha bwo gukorera mu gihugu na Banki Nkuru y’u Rwanda mu mwaka ushize, ikaba izifashishwa mu kwishyura serivisi nyinshi ztangwa na Leta kandi ikaba izanahuza abikorera n’abaturage bakenera serivisi batanga. Kuri ubu Sosiyete MobiCash ifite abakozi barenga 200 bakorera hirya no hino mu gihugu, bafasha abaturage mu kubitsa no kubikuza amafaranga yabo bakoresheje telefoni.
Innocent Bulindi Umuyobozi wa BDF yavuze ko abakozi b’iki kigega bakorera mu gihugu hose bazafasha mu gukora akazi neza kandi bikazateza buzinesi za rubanda imbere. Ati “Guhera ubu ubyifuza wese ashobora kugera aho dukorera hose tukamuha serivisi yifuza.” Umujyanama wa Guverineri w’Intara y’Uburengerazuba, Laurent Nsengiyumva, yavuze ko iyi gahunda uretse guteza imbere urujya n’uruza rw’amafaranga umuntu akoresheje telefoni, izanatanga akazi ku rubyiruko. Uyu munsi MobiCash ifite abakozi barenga 200 bakorera hirya no hino mu gihugu, bafasha abaturage mu kubitsa no kubikuza amafaranga yabo bakoresheje telefoni. Innocent Bulindi umuyobozi wa BDF yavuze ko abakozi b’iki kigega bakorera mu gihugu hose bazafasha mu gukora akazi neza kandi bikazateza buzinesi za rubanda imbere. Ati “Guhera ubu ubyifuza wese ashobora kugera aho dukorera hose tukamuha serivisi yifuza.” Umujyanama wa Guverineri w’Intara y’Uburengerazuba Laurent Nsengiyumva, yashimiye iyi gahunda yakomotse ku bufatanye bw’ibigo bibiri birangajwe imbere no korohereza Abanyarwanda kubona serivisi, ashimangira ko uretse koroshya ihererekanywa ry’amafaranga iyi gahunda yabaye n’isoko y’akazi ku rubyiruko.
BDF Partners with E-Payment Services Provider, MobiCash to Promote Financial Inclusion and Services
MobiCash CEO, Pascal Nyagahene explaining to Karongi residents on the benefits of using MobiCash and how it will promote a cashless economy
Kigali, 9th November, 2015.... Electronic payment services provider, MobiCash Limited has partnered with Business Development Fund (BDF) to provide its services in all 30 BDF branches across the country. The move now sees MobiCash Limited establish a presence in all the 30 districts across the country where its agents will provide various financial services supported by its platform like the payment of all Rwanda Revenue Authority (RRA) fees (both fiscal and non-fiscal) which also include immigration fees like payment of Visas and passports, cash-in and cash-out transactions, money remittance and other Value Added Services like purchase of airtime for all mobile networks, pre-paid electricity (cash power) and pay television subscriptions.Speaking after announcing the partnership last Friday at the BDF Karongi District, Southern Province branch, Pascal Nyagahene, the Chief Executive Officer of MobiCash said that the partnership will enable more people in the rural areas access formal financial services without any inconveniences as well as promote a cashless economy.“We want as many people to open accounts with us, which they will use to transact and pay for their passports among many other services without moving from their homes,” he noted.MobiCash, which was licensed to provide mobile financial services by the National Bank of Rwanda (BNR) in September last year, is a viable option for the payment of government services and seeks to provide a platform for both public and private sector institutions for people to make electronic payments.Today, the company has over 200 agents spread out across the country, providing a reliable agency banking model to Rwandans, thus deepening financial inclusion further.To have an account with MobiCash, one does not have to have a bank account or a mobile phone. He or she just needs to go to their nearest MobiCash agent to open up an account using their identification documents and start transacting. Nyagahene said that they use people’s identification, which provides optimum security to their accounts from fraud, in that everyone has a unique identification that can’t be stolen.“We found the use of biometric identification as the way to go because of its many advantages and protection from cyber theft which is often linked to the weak nature of passwords when it comes to electronic payments,” Nyagahene explained.He said that people with bank accounts or mobile phones were even much better placed to transact using MobiCash in that they were able to inter-link their bank accounts to their MobiCash wallets to transact or transact using their phones by either dialling USSD codes related to their transactions or downloading the MobiCash application for Apple and Android smartphones.Commenting on the new partnership, Innocent Bulindi, the Chief Executive Officer of BDF told Karongi District residents at the event that the BDF branches have competent staff able to carry out the agency role and reiterated that the partnership will deepen financial inclusion and bank the under-banked individuals and businesses.“Everyone can now extend to our branches for our services and more,” he said. Standing in for the Southern Province Governor, Laurent Nsengiyumva, the Governor’s Adviser commended the partnership, saying Information Communication Technologies (ICTs) provides applicable solutions in every sector, especially in the financial sector by providing convenience when it comes to making payments and providing opportunities for youths who work as agents. “This partnership between BDF and MobiCash will form combined strengths that will see more people brought into the financial bracket and also allow people perform financial transactions more easily without travelling to make queues in banks,” he said. About MobiCash Limited MobiCash Rwanda Ltd is a secure cashless mobile financial platform. Its commitment is to bring a fundamental innovation with convenience and easy access to banking and payment services to everybody including those not served by financial institutions regardless their financial status; thus, deepening the financial sector. MobiCash solution offers a refreshing approach to mobile payment that overcomes the challenges of cashless payment. It uses multi-factor authentication mechanisms such as; fingerprint, Near Field Communication (NFC) Cards and Voice biometric technology. About Business Development Fund (BDF) Business Development Fund Limited (BDF) is an independent company that was created in collaboration of the Government of Rwanda and the Development Bank of Rwanda (BRD) to help individual clients, start up small and medium sized companies, associations, cooperatives, MFIs and profit oriented NGOs access financing from banks by providing collateral. As a way of decentralizing, customers will be able to access BDF services through the 30 Business Development Centres (BDCs) located at the district level. BDF recognizes its role in the implementation of SME policy by bridging the gap existing between lenders and on and off farm SMEs.
Urujya n’uruza rw’amafaranga rworoheje mu gihugu hose
Ikgega cy’Iterambere mu Bucuruzi (BDF) na sosiyete ya MobiCash byafatanyije mu kugeza m gihugu hose uburyo bwo kwishyura serivisi wifashishije telefone. Iyi gahunda izakorera mu turere tw’igihugu twose, aho umuntu azajya ashobora kwishyura amafaranga y’imisoro n’atari imisoro kuri RRA n’ibindi bitandukanye birimo umuriro n’amazi na passport, yatangirijwe mu Karere ka Karongi tariki 7 Ugushyingo 2015.
Umuyobozi wa MobiCash Pascal Nyagahene, yavuze ko ubufatanye na BDF buzafasha abatuye mu byaro kubona serivisi zitandukanye batiriwe bakora urugendo rurerure bagana mu mijyi kandi binagabanye amafaranga ashobora kuzimirira mu nzira. Yagize ati “Turifuza ko abantu benshi batagira gukoresha ubu buryo, buzabafasha kohereza amafaranga cyangwa kwishyura serivisi zitandukanye batavuye aho bari.” MobiCash, sosiyete yahawe uruhushya rwo gukora na Banki y’Igihugu ukwaka ushize, izakoreshwa mu kwishyura serivisi nyinshi zitangwa na leta, kandi ikazanagera mu bikorera ibahuza n’abaturage bakenera serivisi zabo.
Bamwe mu bari bitabiriye uyu muhango barimo n’abayobozi batandukanye.
Uyu munsi MobiCash ifite abakozi barenga 200 bakorera hirya no hino mu gihugu, bafasha abaturage mu kubitsa no kubikuza amafaranga yabo bakoresheje telefoni. Innocent Bulindi umuyobozi wa BDF yavuze ko abakozi b’iki kigega bakorera mu gihugu hose bazafasha mu gukora akazi neza kandi bikazateza buzinesi za rubanda imbere. Ati “Guhera ubu ubyifuza wese ashobora kugera aho dukorera hose tukamuha serivisi yifuza.” Umujyanama wa Guverineri w’Intara y’Iburengerazuba, Laurent Nsengiyumva, yavuze ko iyi gahunda uretse guteza imbere urujya n’uruza rw’amafaranga umuntu akoresheje telephone, izanatanga akazi ku rubyiruko.
Laurent Nsengiyumva, umujyanama wa Guverineri w’Iburengerazuba, avuga ko ubu buryo buzatanga akazi.
Ubu buryo bwa MobiCash kubukoresha ntibisaba ko umuntu aba afite konti muri banki cyangwa nimero ya telefoni, ahubwo icyo umuntu asabwa ni ukwegera umukozi wa MobiCash yitwaje indangamuntu akabimufashamo.
Abasora bakuriweho imirongo batondaga mu mpera z’ukwezi
Ikigo cy’Igihugu gishinzwe imisoro n’amahoro (RRA) cyakiriye ku mugaragaro uburyo bwa Mobicash buzafasha abatuye mu cyaro no mu mujyi gusora badakoze urugendo cyangwa imirongo miremire batondaga bashaka gusora mu mpera z’ukwezi. Abaturage binubiraga gutonda imirongo muri banki bagiye gusora, umwanya byabatwaraga, hakabaho n’abakoraga ingendo ndende, bamwe bigatuma badasora, ariko ngo ibi bigiye gukurwaho n’uburyo bw’ikoranabuhanga. Ubu buryo bwatangijwe ku wa Gatatu tariki ya 10 Nzeri 2015, hagati ya RRA n’Ikigo Mobicash, bukoreshwa n’ushaka gusora cyangwa kubitsa amafaranga ye yifashishije telefoni ngendanwa. Agomba kwiyandikisha ku mukozi wa Mobicash, akajya abitsa amafaranga, yashaka gusora akayavana kuri telefoni ye adakoze urugendo agahabwa ubutumwa bw’uko yasoreye ikigo runaka.
Komiseri mukuru wa RRA, Richard Tushabe, yavuze ko ubu buryo buzafasha korohereza abakoraga ingendo bagiye gusora cyane ku batuye mu cyaro. Yagize ati “Ni amahirwe kuri twe kuko abaturage bagiye gusohoza inshingano zabo, basora, kandi ku kiguzi kitari kinini.” Yasobanuye ko igerageza bakoze ryerekanye ko igikorwa kizagenda neza, bahereye ku isuzuma bakoze bashyiraho abakozi babiri bakiriye amafaranga y’abasora asaga miliyoni 170, mu mezi abiri bari mu bice by’icyaro birimo Rulindo. Yasoje avuga ko iki gikorwa ari kimwe mu bisubizo Abanyarwanda bakomeje kwishakamo kuko ari bo bazanye uyu mushinga mu Rwanda. Kubera iyo mpamvu asanga abakozi basaga 150 bazaba bari mu gihugu hose bazanoza iki gikorwa. Ibiro bikuru bya Mobicash bizaba biri ahakorera BDF mu turere twose, ariko yanatangiye no gukorana n’Imirenge SACCO mu kwakira imisoro y’inzego z’ibanze. Uwiyandikisha muri ubu buryo asabwa kugira indangamuntu, gutanga nimero za telefoni, yajya kubikuza asabwa gukoza ikiganza ku kamashini kabugenewe. Abamaze kwiyandikisha bashaka gusora bohereza ubutumwa bugufi kuri 8485 bagakurikiza amabwiriza bahabwa. Umaze gusora agahabwa ubutumwa ko byagenze neza. Ubitsa amafaranga nawe ashobora guhera ku mafaranga y’u Rwanda ijana, mu gihe usora amafaranga ibihumbi 10 acibwa amafaranga 150 y’iyi serivisi, uwishyura ibihumbi 50 agacibwa amafaranga 300. U Rwanda rufatwa nk’igihugu cyahagurukiye kwitabira gukoresha ikorabuhanga muri byose, byanatumye n’Umukuru w’Igihugu bamwitirira Perezida ujyana n’ikoranabuhanga (Digital President).
Bio-metric technology is the future for Rwanda's cashless society
July,21,2015. Using your fingerprint to authorise payments could be the next step for electronic payments in Rwanda. As the government and stakeholders devise more ways of enabling a cashless economy.
The significant growth in the use of mobile money and electronic cards at Point of Sale (PoS) devices and Automated Teller Machines (ATMs) is hard to ignore. This has enabled the country to make huge inroads in its goal toward achieving a cashless economy, a development that has attracted numerous investors offering e-transaction services. Most of these platforms require users to either own mobile phones or acquire debit or credit cards to have some sort of electronic wallets, where they can pull and effect payments for services or goods bought. This usually translates into an extra cost for the common man who may not afford a mobile phone or a card. However, new technology that uses bio-metric identification means could help eliminate such unnecessary costs today, according to industry experts. “Bio-metric identification makes cashless transactions easy and secure because one can use his or her fingerprint at a Point of Sale (PoS), or have his or her photo taken or voice recorded using a smartphone for quicker identification,” said Pascal Nyagahene, the chief executive officer of MobiCash Rwanda, an electronic payments solutions provider. Nyagahene said since the National Identification Agency (NIDA) database keeps fingerprints or photos of Rwnandans and other people resident in Rwanda, a service provider using bio-metric identification to effect clients’ electronic payment is assured of their identity, a key objective when it comes to security on electronic payment platforms. “Two people can’t have the same identification, even identical twins, which makes it more secure compared to other means, which require one to only have a password that can be hacked into,” he explained. Nyagahene argued that use of bio-metric technology is the future for countries like Rwanda, which is aspiring for a cashless society. Realising the advantages, some service providers, like MobiCash, have already started adopting the use of the technology, rolling out bio-metric-enabled PoS and smartphones for its agents to facilitate payments for Rwanda Revenue Authority (RRA) fees and utility payments. Regional insurance giants, UAP and Britam insurance are in the process of rolling out biometric cards to medical service to ease service delivery at partner hospitals in the country. “If you are insured with Britam, we give you a card that has your demographic information and a list of the medical insurance benefits you are entitled to. When you go for treatment at a partner hospital, you just use your card at the front desk to help identify you,” explained Reuben Kibiru, the chief executive officer of Britam Insurance Rwanda. He urged Rwandans to embrace the technology, saying the capabilities of bio-metric technology are immense. “We need to work together with the service providers and government to make this happen,” said Kibiru. Challenges Some members of the public are still reluctant to use the innovation due to superstitious beliefs, such as “the world is ending and the devil will use the technology to control people”. The global world of retail payments is rapidly advancing, technologically, giving rise to many future possibilities to authenticate transactions more efficiently. This will allow service providers to securely attract and connect with customers. “If it is now possible for an individual to make payments on the move via mobile devices, accessing multiple payment methods; using bio-metric means should make them feel more secure in the knowledge that their sensitive data is protected against fraudulent activity,” noted Sunday David, a technology student at the University of Rwanda’s College of Science and Technology. firstname.lastname@example.org
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