2026-04-04 · 18 mintuna karantawa · CrossPay Team
Sub-Saharan Africa tana da kusan 70% na adadin ma'amalar mobile money a duniya. Asusun mobile money sama da miliyan 800 da aka yi rajista suna sarrafa fiye da dollar biliyan 30 a kowane wata a faɗin nahiyar. A ƙasashen Afirka da yawa, mobile money ba madadin banki ba ne — shi ne tsarin kuɗi na farko.
Dalili ya bayyana: shigar reshen banki a faɗin Afirka yana matsakaicin reshe 5 a kowace 100,000 manyan mutane, idan aka kwatanta da 30 ko fiye a Turai. Mobile money yana cika wannan giɓi ta hanyar mai da kowane SIM zuwa asusun banki da kowane shagon kusurwa zuwa reshe. Don biyan iyakar ƙasa, wannan ginin gini yana nufin masu aikawa daga Najeriya za su iya isar da kuɗi kai tsaye zuwa walat ɗin wayar mai karɓa a Kenya, Ghana, Uganda, ko Tanzania — babu buƙatar asusun banki a kowane gefe.
Wannan jagora ta rufe kowane babban dandali na mobile money mai dacewa da turanwar iyakar ƙasa, yana bayyana ainihin yadda isar da ƙasa da ƙasa ke aiki, yana kwatanta kuɗaɗe da turanwar banki na gargajiya, kuma yana zane wadanne dandali ne ke aiki a wadanne ƙasashe.
Safaricom ya ƙaddamar da M-Pesa a Kenya a 2007, kuma ya zama labarin nasara mafi yawa da aka ambata a fasahar kuɗi. Dandalin yanzu yana aiki a Kenya, Tanzania, Mozambique, DRC, Lesotho, Ghana, da Egypt, tare da fiye da masu amfani miliyan 55 a kowane wata.
Yadda M-Pesa ke aiki a fasaha: Kowane asusun M-Pesa an haɗa shi da lambar wayar hannu a kan hanyar sadarwar Safaricom (ko Vodacom, a Tanzania). Masu amfani suna ajiye tsabar kuɗi a kowane wuri na wakili 600,000+, wanda yana canza tsabar kuɗi na zahiri zuwa ma'auni na lantarki. Daga can, ana iya aikawa kuɗaɗe daga mutum-zuwa-mutum, amfani da su don biyan kuɗaɗe, ko cire su a kowane wakili.
Damar iyakar ƙasa: Sabis na turanwar ƙasa da ƙasa na M-Pesa yana ba da damar shigar turanwa daga ƙasashe sama da 200. Abokan tafiya na turanwa masu lasisi suna haɗa zuwa M-Pesa API na Safaricom, suna ba da damar isar lokaci na gaske zuwa kowane walat ɗin M-Pesa a Kenya. Mai karɓa yana karɓar sanarwar SMS cikin daƙiƙai sannan ya iya cire tsabar kuɗi a kowane wakili ko amfani da kai tsaye daga walat ɗin.
Mahimman alkaluma ga masu aikawa zuwa Kenya:
A Tanzania: Vodacom M-Pesa yana aiki iri ɗaya amma ƙarƙashin tsarin daban ta Bank of Tanzania. Ana samun haɗawa tsakanin M-Pesa na Kenya da na Tanzania ta wasu zaɓaɓɓun hanyoyi.
MTN MoMo yana aiki a kasuwannin Afirka 16, tare da kasancewa mafi ƙarfi a Ghana, Uganda, Kamaru, Ivory Coast, da Rwanda. Dandalin ya wuce masu amfani miliyan 60 a kowane wata a 2024 kuma yana sarrafa fiye da dollar biliyan 10 a kowane wata.
Ghana (kasuwa ta tutar): MTN MoMo yana riƙe da kusan 80% na rabon kasuwa na mobile money a Ghana. Dandalin yana haɗawa da tsarin ID na ƙasa na Ghana (Ghana Card), yana ba da damar tabbatar da KYC kusan nan take ga sabbin masu amfani. Iyakar ma'amala ga masu amfani da aka tabbatar ya kai GHS 50,000 a kowace yini.
Uganda: MTN MoMo yana mamaye tare da Airtel Money, dandali biyu suna hidima fiye da asusu masu aiki miliyan 30 tare. Bank of Uganda ya ba da umarni cewa duk dandali na mobile money su iya haɗawa, ma'ana mai amfani da MTN MoMo zai iya tura kuɗi zuwa mai amfani da Airtel Money kuma akasin haka.
Damar iyakar ƙasa: MTN ya saka jari sosai a haɗin gwiwar turanwar MoMo iyakar ƙasa. MTN MoMo API (Open API) yana ba da damar masu turanwa masu lasisi su sa kuɗi kai tsaye cikin walat ɗin MoMo a duk kasuwanni 16. Daidaitawa yawanci nan take ce — kuɗaɗe suna bayyana a walat ɗin mai karɓa cikin daƙiƙai bayan mai samarwa ya tabbatar da ma'amala.
Mahimman alkaluma:
Airtel Money yana aiki a ƙasashen Afirka 14, tare da kasancewa mafi ƙarfi a Uganda, Tanzania, Kenya, Malawi, da DRC. Dandalin yana hidimar fiye da masu amfani miliyan 35 kuma yana da mahimmanci musamman a hanyoyin da MTN da M-Pesa basa mamaye.
Uganda: Airtel Money shi ne madadin farko ga MTN MoMo, yana riƙe da kusan 40% na kasuwar mobile money. Godiya ga haɗawa da aka ba da umarni, masu amfani da Airtel Money za su iya karɓar kuɗaɗe daga masu amfani da MTN MoMo kuma akasin haka.
Tanzania: Airtel Money yana gasa da Vodacom M-Pesa da Tigo Pesa (yanzu an haɗa shi da M-Pesa). Ana tallafa wa turanwa cikin hanyoyin sadarwa daban ta hanyar gine-ginen sauya na ƙasa.
Damar iyakar ƙasa: Airtel Money yana tallafa wa turanwa mai shiga ta hanyar Airtel Money API. Abokan tafiya masu lasisi za su iya sa kuɗi kai tsaye zuwa kowane walat ɗin Airtel Money. A kasuwannin da Airtel ke aiki tare da M-Pesa (Kenya, Tanzania), masu karɓa suna da sauƙin zaɓar walat ɗin da suka fi so.
Lokacin da kake tura kuɗi daga Najeriya zuwa walat ɗin mobile money a Kenya, tsarin daban-daban suna aiki tare a baya.
Idan wani a Najeriya yana aika maka kuɗi ta CrossPay zuwa walat ɗin M-Pesa ɗinka, ga ainihin abin da yake faruwa a gefenka:
Ba a buƙatar saukar app. Ba a buƙatar asusun banki. Duk tsarin yana aiki akan kowace waya tare da SIM ɗin Safaricom, gami da wayoyin asali.
Ɗaya daga cikin tambayoyin da masu aikawa ke yawan yi shi ne ko isar mobile money yana kashe kuɗi mafi yawa ko ƙasa fiye da wayar banki na gargajiya. Amsar ya dogara da hanya da adadi.
| Abin Lura | Isar Mobile Money | Wayar Banki |
|---|---|---|
| Kuɗin sabis na CrossPay | Daidai ne da wayar banki | Daidai ne da mobile money |
| Farashin canji | Farashi ɗaya ga hanyoyi biyu | Farashi ɗaya ga hanyoyi biyu |
| Saurin isarwa | Daƙiƙa zuwa mintuna | Kwana 1-2 na aiki |
| Kuɗin samun mai karɓa | Ƙananan kuɗin cirewa idan ana fitarwa (yana bambanta da ƙasa) | Kuɗin cire ATM ko ziyarar reshe |
| Ana buƙatar asusun banki na mai karɓa | A'a | Eh |
| Awannin samuwa | 24/7 har da karshen mako | Awannin kasuwanci na banki kawai |
| Mafi ƙanƙantar adadi | Kamar dai $1 | Sau da yawa $10-50 mafi ƙanƙanta |
| Mafi kyau ga | Mutane, turanwa gaggawa, masu karɓa marasa banki | Manyan biyan kasuwanci, albashi |
Mahimmiyar hangen nesa: CrossPay tana caji kuɗin sabis ɗaya da farashin canji ko da wace hanyar isarwa. Bambancin kuɗi yana fitowa gaba ɗaya daga abin da mai karɓa ke biya a gefenshi. Don M-Pesa a Kenya, cirewa na KES 10,000 yana kashe KES 110 a wakili — kusan $0.85. Don wayar banki, mai karɓa ba ya biyan komai don karɓar kuɗin, amma na iya biyan kuɗaɗen ATM na KES 30-50 don samun damar tsabar kuɗi.
Don adadin ƙasa da $500 zuwa masu karɓa daban-daban, isar mobile money kusan koyaushe ita ce zaɓin mafi kyau saboda sauri da samuwa.
Duba farashi kai tsaye don turanwa daga Nigeria zuwa Kenya
| Ƙasa | Babban Dandali | Dandali na Biyu | Shiga Ƙasa Mai Tallafi | Iyakar Yau da Kullum (An Tabbatar) |
|---|---|---|---|---|
| Kenya | M-Pesa (Safaricom) | Airtel Money | Mai tallafi | KES 500,000 (~$3,800) |
| Ghana | MTN MoMo | Vodafone Cash, AirtelTigo | Mai tallafi | GHS 50,000 (~$3,600) |
| Uganda | MTN MoMo | Airtel Money | Mai tallafi | UGX 7,000,000 (~$1,900) |
| Tanzania | Vodacom M-Pesa | Airtel Money | Mai tallafi | TZS 5,000,000 (~$1,900) |
| Kamaru | MTN MoMo | Orange Money | Mai tallafi | XAF 2,000,000 (~$3,200) |
| Ivory Coast | Orange Money | MTN MoMo, Wave | Mai tallafi | XOF 2,000,000 (~$3,200) |
| Senegal | Wave | Orange Money, Free Money | Mai tallafi | XOF 2,000,000 (~$3,200) |
| Rwanda | MTN MoMo | Airtel Money | Mai tallafi | RWF 5,000,000 (~$3,800) |
| DRC | Vodacom M-Pesa | Airtel Money, Orange Money | Mai iyaka | CDF 5,000,000 (~$1,800) |
| Malawi | Airtel Money | TNM Mpamba | Mai iyaka | MWK 2,000,000 (~$1,100) |
CrossPay yanzu tana tallafa wa isar mobile money a Kenya, Ghana, Uganda, da Tanzania, tare da ƙarin hanyoyi waɗanda aka shirya don 2026.
Babbar matsalar a iyakar ƙasa ta mobile money a Afirka ita ce rabuwa. Aikawa kuɗi daga walat ɗin MTN MoMo a Ghana zuwa walat ɗin M-Pesa a Kenya a tarihi yana buƙatar wucewa ta mai shiga tsakani — canza GHS zuwa USD, sannan USD zuwa KES, ta hanyar tsarin banki da yawa a hanya.
PAPSS, wanda Bankin Fitar da Shigo da Kayan Afirka (Afreximbank) da Tarayyar Afirka suka ƙaddamar, yana ba da damar daidaitawar kuɗi-zuwa-kuɗi kai tsaye tsakanin ƙasashen Afirka ba tare da bin US dollar ba. Tsarin ya fara aiki a 2022 kuma yana ci gaba da shiga babban banki a faɗin nahiyar.
Abin da PAPSS ke nufi ga mobile money:
Yunƙuri da yawa na yanki suna tunkarar turanwa mara matsala iyakar ƙasa ta mobile money:
Ga masu aikawa, waɗannan ci gaban suna nufin cewa bambanci tsakanin turanwar mobile money na ciki da na ƙasa da ƙasa zai bace a hankali. Mutumin da ke aika kuɗi daga Lagos zuwa Nairobi zai dandana sauri, kuɗi, da sauƙi iri ɗaya da aikawa daga Lagos zuwa Abuja.
Lokacin yanke shawara tsakanin mobile money da wayar banki ga turanwarka ta gaba ta ƙasa da ƙasa, yi la'akari da waɗannan abubuwa:
Zaɓi mobile money idan:
Zaɓi wayar banki idan:
CrossPay tana tallafa wa hanyoyin isarwa biyu a duk hanyoyin. Kana iya ƙididdige da kwatanta farashi don kowace hanya ta amfani da kayan aikin farashin kai tsaye:
Aikawa zuwa walat na mobile money ta CrossPay yana ɗaukar ƙasa da minti biyar:
Mobile money yana sake fasalin yadda Afirka ke motsa kuɗi. Don turanwar iyakar ƙasa, yana ba da haɗuwa da sauri, samuwa, da sauƙi waɗanda banki na gargajiya ba zai iya cimma ba. Yayin da haɗawa ke ingantawa kuma karɓar PAPSS ke girma, kuɗi da matsalar aika kuɗi a fadin iyakokin Afirka za su ci gaba da raguwa.
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