{"id":10457,"date":"2023-03-16T10:00:00","date_gmt":"2023-03-16T10:00:00","guid":{"rendered":"https:\/\/startup-agenda.com\/?p=10457"},"modified":"2023-03-15T23:57:54","modified_gmt":"2023-03-15T23:57:54","slug":"chipper-cash-silicon-valley-bank-et-silvergate-bank-lavenir-incertain-de-la-fintech-africaine-face-aux-defis-des-marches-et-des-partenaires-bancaires","status":"publish","type":"post","link":"https:\/\/startup-agenda.com\/annuaire\/2023\/03\/16\/chipper-cash-silicon-valley-bank-et-silvergate-bank-lavenir-incertain-de-la-fintech-africaine-face-aux-defis-des-marches-et-des-partenaires-bancaires\/","title":{"rendered":"Chipper Cash, Silicon Valley Bank et Silvergate Bank : L&rsquo;avenir incertain de la fintech africaine face aux d\u00e9fis des march\u00e9s et des partenaires bancaires."},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/chippercash.com\/\">Chipper Cash<\/a><\/strong> est une application de paiement en ligne qui permet aux utilisateurs d&rsquo;envoyer et de recevoir des paiements en Afrique ainsi que d&rsquo;acheter et d&rsquo;envoyer des crypto-monnaies comme Bitcoin, Ethereum et USDC. La startup a r\u00e9cemment connu une \u00e9valuation de 2 milliards de dollars apr\u00e8s un cycle de financement de s\u00e9rie B de 100 millions de dollars men\u00e9 par la Silicon Valley Bank (SVB) en fin d&rsquo;ann\u00e9e 2021. Cependant, l&rsquo;effondrement de la SVB et la vente ult\u00e9rieure de l&rsquo;entreprise \u00e0 Silvergate Bank ont r\u00e9duit la valorisation de Chipper Cash \u00e0 1,25 milliard de dollars \u00e0 peine 13 mois plus tard.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"http:\/\/startup-agenda.com\/wp-content\/uploads\/2023\/03\/Le-PDG-de-Chipper-Ham-Serunjogi-1024x681.jpeg\" alt=\"Le PDG de Chipper, Ham Serunjogi\" class=\"wp-image-10459\" srcset=\"https:\/\/startup-agenda.com\/annuaire\/wp-content\/uploads\/2023\/03\/Le-PDG-de-Chipper-Ham-Serunjogi-1024x681.jpeg 1024w, https:\/\/startup-agenda.com\/annuaire\/wp-content\/uploads\/2023\/03\/Le-PDG-de-Chipper-Ham-Serunjogi-300x199.jpeg 300w, https:\/\/startup-agenda.com\/annuaire\/wp-content\/uploads\/2023\/03\/Le-PDG-de-Chipper-Ham-Serunjogi-768x510.jpeg 768w, https:\/\/startup-agenda.com\/annuaire\/wp-content\/uploads\/2023\/03\/Le-PDG-de-Chipper-Ham-Serunjogi-1536x1021.jpeg 1536w, https:\/\/startup-agenda.com\/annuaire\/wp-content\/uploads\/2023\/03\/Le-PDG-de-Chipper-Ham-Serunjogi.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le PDG de Chipper<\/strong>, <strong>Ham Serunjogi<\/strong>, a minimis\u00e9 l&rsquo;impact de la faillite de la SVB sur l&rsquo;entreprise, d\u00e9clarant que les fonds de la banque avaient \u00e9t\u00e9 livr\u00e9s imm\u00e9diatement et que cela n&rsquo;avait eu qu&rsquo;un effet \u00ab\u00a0insignifiant\u00a0\u00bb sur la soci\u00e9t\u00e9 de paiement. Bien que la faillite de la <strong>SVB <\/strong>ait entra\u00een\u00e9 le licenciement de 12,5% des effectifs de Chipper, l&rsquo;entreprise a soulign\u00e9 que cela n&rsquo;a pas interrompu les op\u00e9rations de ses clients et que la soci\u00e9t\u00e9 avait de nombreux autres partenaires bancaires aux \u00c9tats-Unis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;avenir de Chipper Cash reste incertain, mais la startup a \u00e9t\u00e9 un acteur majeur dans l&rsquo;espace fintech <a href=\"https:\/\/startup-agenda.com\/2023\/02\/25\/les-defis-des-startups-africaines-dans-le-domaine-du-big-data\/\" data-type=\"post\" data-id=\"10045\">africain <\/a>avec une base d&rsquo;utilisateurs en croissance rapide au cours des derni\u00e8res ann\u00e9es. Les prochaines \u00e9tapes de l&rsquo;entreprise pourraient avoir des r\u00e9percussions consid\u00e9rables sur le paysage des paiements num\u00e9riques de la r\u00e9gion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Malgr\u00e9 la vente \u00e0 Silvergate Bank, Chipper Cash a ni\u00e9 avoir cherch\u00e9 \u00e0 se faire racheter. M. Serunjogi a soulign\u00e9 le r\u00f4le crucial jou\u00e9 par la SVB dans le soutien apport\u00e9 \u00e0 l&rsquo;entreprise, en particulier \u00e0 ses d\u00e9buts, lorsqu&rsquo;elle \u00e9tait la seule banque \u00e0 accepter d&rsquo;ouvrir un compte pour Chipper. Il a reconnu que de nombreuses autres startups pourraient dire la m\u00eame chose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, l&rsquo;entreprise n&rsquo;a pas perdu de temps et a d\u00e9j\u00e0 commenc\u00e9 \u00e0 travailler sur de nouveaux produits. En f\u00e9vrier 2022, elle a annonc\u00e9 le lancement d&rsquo;une carte de d\u00e9bit Mastercard Chipper qui permettra aux utilisateurs de d\u00e9penser leur argent en ligne et dans les magasins physiques. La startup pr\u00e9voit \u00e9galement d&rsquo;\u00e9largir sa gamme de produits financiers, y compris des offres de pr\u00eats et d&rsquo;assurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec l&rsquo;essor de la fintech en Afrique et la croissance rapide des paiements num\u00e9riques, la concurrence est de plus en plus f\u00e9roce. Chipper Cash devra rester innovante et agile pour maintenir sa position de leader dans l&rsquo;espace des paiements num\u00e9riques en Afrique. Cependant, avec une base d&rsquo;utilisateurs en croissance rapide et une gamme de produits en expansion, l&rsquo;avenir de la startup est prometteur.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chipper Cash est une application de paiement en ligne qui permet aux utilisateurs d&rsquo;envoyer et de recevoir des paiements en Afrique ainsi que d&rsquo;acheter et d&rsquo;envoyer des crypto-monnaies comme Bitcoin, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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