{"id":5263,"date":"2019-07-24T14:16:10","date_gmt":"2019-07-24T14:16:10","guid":{"rendered":"http:\/\/digi-entrepreneur.com\/?post_type=startup&p=5263"},"modified":"2019-07-24T14:16:10","modified_gmt":"2019-07-24T14:16:10","slug":"bankly","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/bankly\/","title":{"rendered":"Bankly"},"content":{"rendered":"
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Bankly<\/strong> aide commerc\u0327ants et particuliers a\u0300 digitaliser leur cash.<\/p>\n

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Malgre\u0301 le taux de pe\u0301ne\u0301tration croissant du mobile en Afrique avec 1 milliard de connexions mobiles pre\u0301vues pour 2020 et l\u2019essor des solutions de paiement et transfert d\u2019argent mobile, l\u2019utilisation du cash persiste. Par ailleurs, au Nige\u0301ria, seule 28% de la population adulte posse\u0300de un compte bancaire et seulement 59% des bancarise\u0301s be\u0301ne\u0301ficient d\u2019une carte de cre\u0301dit. Le projet de Bankly est donc de pouvoir e\u0301pargner du cash en ligne.<\/p>\n

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PRINCIPE ET GENE\u0300SE DE L’OFFRE<\/strong><\/p>\n

Les marchands re\u0301cupe\u0300rent la plupart de leurs transactions en cash et peinent a\u0300 l\u2019utiliser pour re\u0301aliser leurs de\u0301penses d\u2019eau, e\u0301lectricite\u0301, internet, services de sante\u0301, etc. Par ailleurs, de\u0301tenir du cash comporte toujours le risque de perte ou de vol. En essayant de lancer une application permettant a\u0300 ses utilisateurs d\u2019e\u0301pargner leur argent, Tomilola Adejana et son e\u0301quipe, forte de plus de sept ans d\u2019expe\u0301rience dans les services financiers au Nige\u0301ria, constatent qu\u2019il e\u0301tait difficile pour leurs utilisateurs de retirer cet argent e\u0301pargne\u0301. C\u2019est ainsi qu\u2019ils de\u0301veloppent une API permettant aux e\u0301pargnants d\u2019utiliser leur argent sans ne\u0301cessite\u0301 de le retirer gra\u0302ce a\u0300 un portefeuille digital. L\u2019e\u0301tape suivante est le de\u0301veloppement d\u2019un syste\u0300me de digitalisation fonde\u0301 sur l\u2019achat de bons et la technologie SSD. Bankly voit le jour et connait une croissance exponentielle avec plus de 1 000 utilisateurs et 800 000 Nairas de\u0301pose\u0301s dans les premiers mois.<\/p>\n<\/div>\n

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PARCOURS CLIENT FONCTIONNEMENT<\/strong><\/p>\n

Bankly s\u2019utilise tre\u0300s simplement. L\u2019utilisateur rec\u0327oit un bon avec un code contre du cash. Les bons sont disponibles facilement, partout au Nige\u0301ria. Le bon contient un code que l\u2019utilisateur inscrit dans l\u2019application Bankly. Il cre\u0301dite ensuite simplement son compte gra\u0302ce a\u0300 la technologie USSD qui ne ne\u0301cessite pas de connexion internet. Il peut ensuite re\u0301aliser tous ces paiements via l\u2019API Bankly.<\/p>\n<\/div>\n

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EN QUOI EST-CE UNE INNOVATION<\/strong><\/p>\n

L\u2019API BANKLI et son mode\u0300le e\u0301conomique organise\u0301 autour du syste\u0300me de bons et de la technologie USSD transforme le secteur des services bancaires et de paiements mobiles en re\u0301duisant les cou\u0302ts de gestion du cash, les risques de fraude et les retards. Aucun autre acteur du marche\u0301 ne permet de tokeniser les paiements par l\u2019achat de bon (inhe\u0301rent a\u0300 la culture nige\u0301riane), avec des cou\u0302ts de distribution tre\u0300s faible. Bankly repre\u0301sente une aide pre\u0301cieuse aux fournisseurs d\u2019eau, internet, e\u0301lectricite\u0301 et services de sante\u0301 qui peinent a\u0300 re\u0301colter les paiements des particuliers en temps et en heure.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Bankly aide commerc\u0327ants et particuliers a\u0300 digitaliser leur cash. Malgre\u0301 le taux de pe\u0301ne\u0301tration croissant du mobile en Afrique avec 1 milliard de connexions mobiles pre\u0301vues pour 2020 et l\u2019essor […]<\/p>\n","protected":false},"author":1,"featured_media":5269,"comment_status":"open","ping_status":"closed","template":"","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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"jetpack_post_was_ever_published":false},"startup_category":[],"class_list":["post-5263","startup","type-startup","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5263","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup"}],"about":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/types\/startup"}],"author":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/comments?post=5263"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5263\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5269"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5263"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5263"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}