{"id":9633,"date":"2023-02-18T01:56:12","date_gmt":"2023-02-18T01:56:12","guid":{"rendered":"https:\/\/startup-agenda.com\/?p=9633"},"modified":"2023-02-18T01:56:17","modified_gmt":"2023-02-18T01:56:17","slug":"uemoa-les-services-financiers-numeriques-peinent-a-decoller-dans-la-region","status":"publish","type":"post","link":"https:\/\/startup-agenda.com\/annuaire\/2023\/02\/18\/uemoa-les-services-financiers-numeriques-peinent-a-decoller-dans-la-region\/","title":{"rendered":"UEMOA : Les services financiers num\u00e9riques peinent \u00e0 d\u00e9coller dans la r\u00e9gion"},"content":{"rendered":"\n<p class=\"has-text-align-justify wp-block-paragraph\">L&rsquo;usage des services financiers num\u00e9riques reste basique dans l&rsquo;Union \u00e9conomique et mon\u00e9taire ouest-africaine (<strong>UEMOA<\/strong>), selon le rapport annuel publi\u00e9 en 2022 par la Banque centrale des \u00c9tats de l&rsquo;Afrique de l&rsquo;Ouest. Nous avons analys\u00e9 ce rapport afin de comprendre les tendances de la fintech dans cette r\u00e9gion.<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">Le d\u00e9p\u00f4t et le retrait d&rsquo;esp\u00e8ces repr\u00e9sentent les principales utilisations des services financiers num\u00e9riques, avec en moyenne 80 % des d\u00e9p\u00f4ts effectu\u00e9s sur les comptes de monnaie \u00e9lectronique qui sont retir\u00e9s par les utilisateurs dans les \u00c9tats membres de <strong>l&rsquo;UEMOA<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">Les transferts de personne \u00e0 personne constituent le deuxi\u00e8me cas d&rsquo;utilisation le plus courant, repr\u00e9sentant 12 % des transactions en volume et 18 % des transactions en valeur. Toutefois, la croissance de ces transferts est frein\u00e9e par l&rsquo;absence d&rsquo;interop\u00e9rabilit\u00e9 entre les acteurs.<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">Le segment des paiements marchands est en croissance, avec 291 millions de paiements effectu\u00e9s en 2021 pour une valeur de 5 004 milliards de francs CFA. Les paiements marchands ont repr\u00e9sent\u00e9 6 % du volume total des transactions et 8 % de leur valeur. Ils ont augment\u00e9 de 5 % en volume et de 9 % en valeur par rapport \u00e0 2020. En 2021, 898 519 commerces \u00e9taient inscrits pour le commerce marchand, avec 837 commer\u00e7ants acceptant les paiements mobiles via les terminaux de paiement \u00e9lectronique et 604 acceptant les paiements en ligne.<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">En revanche, le paiement des salaires reste un casse-t\u00eate dans la r\u00e9gion, avec une baisse de 7 % des transactions en 2021 pour un total de 22 millions de paiements. Les paiements de salaires sont pass\u00e9s de 249 milliards de francs CFA en 2020 \u00e0 518 milliards de francs CFA en 2021, mais ils tardent encore \u00e0 se g\u00e9n\u00e9raliser.<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">Malgr\u00e9 ces chiffres, les services financiers num\u00e9riques continuent de cro\u00eetre en importance dans la r\u00e9gion. Il est donc important pour les acteurs de continuer \u00e0 travailler sur l&rsquo;interop\u00e9rabilit\u00e9 et la facilit\u00e9 d&rsquo;utilisation de ces services pour que les avantages qu&rsquo;ils offrent soient pleinement exploit\u00e9s par les utilisateurs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;usage des services financiers num\u00e9riques reste basique dans l&rsquo;Union \u00e9conomique et mon\u00e9taire ouest-africaine (UEMOA), selon le rapport annuel publi\u00e9 en 2022 par la Banque centrale des \u00c9tats de l&rsquo;Afrique de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9634,"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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