{"id":5446,"date":"2019-07-31T12:27:43","date_gmt":"2019-07-31T12:27:43","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5446"},"modified":"2019-07-31T12:27:43","modified_gmt":"2019-07-31T12:27:43","slug":"electronic-settlement-limited","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/electronic-settlement-limited\/","title":{"rendered":"Paypad"},"content":{"rendered":"
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Electronic Settlement Limited (ESL) est une fintech qui propose des solutions aux proble\u0300mes de paiement en ligne au Nigeria.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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ESL utilise la technologie \u00ab mobile money \u00bb pour transformer des commerces de proximite\u0301 comme des boutiques ou des pharmacies en lieux qui proposent des services financiers comme des retraits d\u2019espe\u0300ces, des de\u0301po\u0302ts, des transferts de fonds, des paiements de factures, des ouvertures de compte… et autant de services qui renforcent l\u2019inclusion financie\u0300re au Nigeria.<\/p>\n<\/div>\n<\/div>\n

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

Olaoluwa Awojoodu a fonde\u0301 Electronic Settlement Limited en 2009 pour re\u0301pondre au besoin des Nige\u0301rians de pouvoir payer en ligne en toute se\u0301curite\u0301. L\u2019ide\u0301e lui vient d\u2019une autre entreprise de vente de mate\u0301riel informatique en ligne cre\u0301e\u0301e avant ESL, sur le site de laquelle il e\u0301tait impossible de payer en ligne. Awojoodu avait alors e\u0301crit a\u0300 Paypal une proposition de partenariat, a\u0300 laquelle Paypal n\u2019a jamais re\u0301pondu. Il a donc de\u0301cide\u0301 de lancer lui-me\u0302me ESL, une plateforme de paiements en ligne se\u0301curise\u0301e<\/p>\n

Aujourd\u2019hui, ESL est partenaire de neuf banques au Nigeria et depuis deux ans, ESL a connu une forte croissance. En 2015, la valeur des transactions effectue\u0301es via ESL e\u0301taient de 53,450 USD, et en 2017, elles s\u2019e\u0301levaient a\u0300 5 millions USD.<\/p>\n

En 2017, l\u2019entreprise a leve\u0301 206,000 USD de fonds lors d\u2019une leve\u0301e de fonds d\u2019amorc\u0327age. Ses investisseurs sont Venture Kinetic, Venture Garden Group et U-Africa.<\/p>\n<\/div>\n

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PARCOURS CLIENT FONCTIONNEMENT<\/p>\n

ESL inclut trois services : CashEnvoy qui est un portail de paiements en ligne qui permet aux sites commerciaux et a\u0300 leurs clients de faire les paiements en ligne ; PayPad qui permet aux commerc\u0327ants de recevoir l\u2019argent de leurs clients sur la puce accepteur d\u2019un smartphone ; et enfin PayCenter, qui propose des services financiers accessibles aux populations du Nigeria qui n\u2019ont pas acce\u0300s aux services des banques traditionnelles (ouvertures de compte, e\u0301pargne…).<\/p>\n<\/div>\n

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

ESL est une entreprise innovante car elle propose des services financiers via internet et les smartphones a\u0300 la classe moyenne nige\u0301riane, ainsi qu\u2019a\u0300 une population plus pauvre qui n\u2019a pas acce\u0300s aux services financiers traditionnels. Ainsi, ce sont des offres adapte\u0301es a\u0300 ces populations habitue\u0301es a\u0300 la manipulation des smartphones, et notamment a\u0300 la mobile money.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Electronic Settlement Limited (ESL) est une fintech qui propose des solutions aux proble\u0300mes de paiement en ligne au Nigeria. ESL utilise la technologie \u00ab mobile money \u00bb pour transformer des […]<\/p>\n","protected":false},"author":1,"featured_media":5445,"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-5446","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\/5446","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=5446"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5446\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5445"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5446"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}