Wani dan Nijeriya mai kere-kere, Temitayo Gbadebo, ya kirkiro manhajar wayar hannu domin saukaka biyan kudade ta hanyar amfani da fasahar ‘Short Libed Distributed Ledger Technology’ (SLDLT) da fasahar aikewa da sakon karta kwana (SMS) ko da babu internet.

A cewarsa, manjanar an kirkire ta ne domin ba da damar kawo mafita kan matsalolin biyan kudi ga harkokin cinikayyar saye da sayarwa.

A wata sanarwar da ya aike da ita wa Jaridar LEADERSHIP, ya ce, manhajar an tsarata na yadda za ta yi aikinta da tabbatar da kudin cinikayya ya shiga kafin ma a bata wani lokaci kuma babu bukatar sai an bata wani data ko shan wahalar neman data kafin manhajar ta biya bukatar da ake nema.

Temitayo Gbadebo ya ce, kan yawan kalubalen samun damar shiga Internet da ake da shi a kasar nan, wanda hakan na janyo cikas cinikayyar kudade ta manhajojin waya, mutane za su yi amfani da wannan fasahar ta hanyoyi biyu mutum damutum ko ta layin SMS.

Ya ce, “Matsalar shiga internet a Nijeriya ya kasance babbar matsala, wanda ke haifar da cikas ga manhajojin wayoyin hannu. Samun damar shiga internet ya ragu daga kaso 45.57% zuwa 43.53%, inda kamfanonin wayoyin sadarwa suke da alhakin fadada hanyoyin shiga internet ta hanyoyin tatsar kudade da yawa, rashin tsaro, tsadar farashin shiga internet da sauransu.

“Mu’alamar kai tsaye na mutum da mutum na amfani da fasahohi kamar su NFC, Bluetooth, ko Wifi Direct, tare kuma da takaitaccen hanyar fasahar (SLDLT) wajen sabunta hada-hada kudi. Layin sadarwar SMS na amfani da fasahohi cikin sauki da inganci na musayar bayanai.

“Wannan fasahar za ta taimaka wa masu amfani da ita wajen samar musu da hanyoyi mafi sauki da kuma ba su sahihin kwarin guiwa wajen amfani da hanyoyin mu’amalar kudade, zai taimaka sosai wajen kyautata hada-hadar kudade,” ya shaida.

Gbadebo dai ya samu nasarar kirkirar wannan tunanin nasa ne tun a 2021, bayan da ya fuskanci kalubalen cire kudi kan rashin yanar gizo a sakamakon rashin injin cirar kudi na ATM a yankinsa.

Wannan dalilin ne ya sanya shi tsunduma fagen neman yadda zai karkiri wannan manhajar da zai yi amfani wajen saukaka hada-hadar kudade ko da babu internet ko USSD.