{"id":5943,"date":"2019-08-08T07:35:40","date_gmt":"2019-08-08T07:35:40","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5943"},"modified":"2019-08-08T07:35:40","modified_gmt":"2019-08-08T07:35:40","slug":"sudpay","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/sudpay\/","title":{"rendered":"Sudpay"},"content":{"rendered":"
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Elle de\u0301veloppe des plateformes de paiement e\u0301lectronique adapte\u0301es aux re\u0301alite\u0301s africaines.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Avec une large gamme de produits, solutions de billetterie digitale, solutions de mobilite\u0301, solutions de collecte de ressources financie\u0300res, solutions de paiement multi ope\u0301rateurs, Sudpay propose des plateformes multi-services et moyens de paiement adapte\u0301es et se\u0301curise\u0301s aux besoins des clients.<\/p>\n<\/div>\n<\/div>\n

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

Samba Sow et Pathe\u0301 Faye ont cre\u0301e\u0301 Sudpay en 2014 pour digitaliser les paiements au Se\u0301ne\u0301gal. Les offres sont varie\u0301es : les deux entrepreneurs ont commence\u0301 par mettre un place un moyen de paiements pour les bus a\u0300 Dakar, puis pour la gestion des parkings de la ville. En 2016, ils de\u0301veloppe un service de collecte d\u2019impo\u0302ts locaux via Sudpay. Effectivement, de nombreuses communes ont des difficulte\u0301s a\u0300 recouvrir l\u2019inte\u0301gralite\u0301 des recettes fiscales ; il y a jusqu\u2019a\u0300 30% de fraude.<\/p>\n

Depuis, une banque a failli entrer au capital de Sudpay en tant qu\u2019actionnaire majoritaire, mais les fondateurs ont refuse\u0301 suite a\u0300 la subvention de 184 millions de francs CFA par la GSMA. Ils ont pre\u0301fe\u0301re\u0301 de\u0301veloppe\u0301 leur entreprise eux-me\u0302mes. Aujourd\u2019hui, Sudpay est e\u0301galement pre\u0301sente en Co\u0302te d\u2019Ivoire, au Burkina Faso, au Cameroun, en Guine\u0301e Conakry, au Gabon, au Congo et en RDC.<\/p>\n<\/div>\n

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PARCOURS CLIENT FONCTIONNEMENT<\/p>\n

Sudpay a passe\u0301 des contrats avec des acteurs publics, des mairies notamment, pour mettre en place la plateforme de paiement digital. Les habitants de la ville payent en mobile money leurs impo\u0302ts qui arrivent directement a\u0300 la ville via Sudpay. L\u2019entreprise se re\u0301mune\u0300re en pre\u0301levant sur chaque transaction une commission qu\u2019il se partage avec les ope\u0301rateurs mobiles et les institutions financie\u0300res partenaires.<\/p>\n

Maintenant, les deux entrepreneurs veulent aussi de\u0301velopper une offre de services financiers (pre\u0302t, assurance, microcre\u0301dit) a\u0300 destination des contribuables, via Sudpay. Ils e\u0301tudient e\u0301galement la possibilite\u0301 de proposer aux travailleurs inde\u0301pendants du secteur informel un produit d\u2019e\u0301pargne et de retraite.<\/p>\n<\/div>\n

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

Proposer ainsi des services de paiements digitalise\u0301s, notamment pour les impo\u0302ts, permet d\u2019inclure dans les flux financiers africains les populations rurales, ge\u0301ographiquement e\u0301loigne\u0301es des lieux de transactions mone\u0301taires<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Elle de\u0301veloppe des plateformes de paiement e\u0301lectronique adapte\u0301es aux re\u0301alite\u0301s africaines. Avec une large gamme de produits, solutions de billetterie digitale, solutions de mobilite\u0301, solutions de collecte de ressources financie\u0300res, […]<\/p>\n","protected":false},"author":1,"featured_media":5945,"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-5943","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\/5943","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=5943"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5943\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5945"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5943"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5943"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}