Daga MAHDI MUSA MUHAMMAD
Masu bankin intanet a Nijeriya da suka haɗa da Opay, Palmpay da Paga, sun sami ƙaruwar da ba a taɓa ganin irinta ba a shekarar 2024, inda hada-hadar kuɗinsu ta kai Naira Tiriliyan 71.5, adadin da ya ƙaru da kashi 53.4 cikin 100 idan aka kwatanta da shekarar da ta gabata, kamar yadda sabbin bayanai daga Hukumar Kula da Tsare-Tsare na Bankin Nijeriya (NIBSS) suka nuna.
Bayanan sun kuma nuna cewa yawan hada-hadar kuɗaɗen wayar hannu ya ƙaru da kashi 23 cikin 100, daga biliyan 3 a shekarar 2023 zuwa biliyan 3.9 a shekarar 2024, wanda hakan ya ƙara ƙarfafa muhimmiyar rawar da ɓangaren ke takawa wajen bunƙasar tattalin arzikin Nijeriya.
Manazarta masana’antu sun danganta wannan haɓakar da manufofin rashin kuɗi na CBN, haɓakar shigar da wayoyin hannu, da aaruwar karɓar hanyoyin hada-hadar kuɗi na zamani tsakanin ‘yan kasuwa da jama’a.
A cewar wani manazarci a ɓangaren, Olumide Adeyemi, hauhawar yawan hada-hadar kuɗaɗen wayar hannu na nuni da sauye-sauyen da suka shafi manufofi da kuma canja tsarin hada-hadar kuɗi na duniya.
“Manufar rashin tsabar kuɗi ta CBN ta kasance babbar hanyar da za ta ingiza mutane da ‘yan kasuwa zuwa hada-hadar dijital. ƙuntatawa kan fitar da kuɗi, tare da illar ƙarancin kuɗi na bara, ya sa hada-hadar kuɗin wayar hannu ya fi jan hankali,” inji shi.
Dokar rashin kuɗi ta CBN da aka yi wa kwaskwarima, wadda ta fara aiki a ranar 9 ga Janairu, 2023, ta ƙayyade fitar da tsabar kuɗi na mako-mako zuwa N500,000 ga ɗaiɗaikun mutane da kuma Naira miliyan 5 ga kamfanoni.
Wannan manufar, a cewar masu sa ido kan masana’antu, ta haɓaka dogaro sosai kan biyan kuɗi ta intanet, musamman a tsakanin aanana da matsakaitan masana’antu (SME), ‘yan kasuwa, da kasuwancin yau da kullum.
Duk da saurin faɗaɗa sashin, masu hada-hadar kuɗaɗe ta wayar hannu sun fuskanci babban cikas a cikin watan Afrilu 2024 lokacin da CBN ya ba da umarnin dakatar da abokin ciniki na wucin gadi don wasu manyan dandamali na bankunan intanet wato fintech, ciki har da OPay, Palmpay, Paga, Moniepoint, da Bank Kuda.