{
    "id": 38316,
    "date": "2024-03-04T14:43:48",
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    "slug": "gabon-lessor-de-la-finance-mobile",
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    "title": {
        "rendered": "Gabon – L\u2019essor de la finance mobile"
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L\u2019essor de la finance mobile\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95e801b e-con-full e-flex e-con e-child\" data-id=\"95e801b\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c5893fc e-con-full e-flex e-con e-child\" data-id=\"c5893fc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d42ef5f elementor-widget elementor-widget-image\" data-id=\"d42ef5f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"448\" height=\"278\" src=\"https:\/\/africa.yearbook-media.com\/wp-content\/uploads\/2024\/03\/phone-288159_1280-small.jpg\" class=\"attachment-full size-full wp-image-38318\" alt=\"\" srcset=\"https:\/\/africa.yearbook-media.com\/wp-content\/uploads\/2024\/03\/phone-288159_1280-small.jpg 448w, https:\/\/africa.yearbook-media.com\/wp-content\/uploads\/2024\/03\/phone-288159_1280-small-300x186.jpg 300w\" sizes=\"(max-width: 448px) 100vw, 448px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1208fc e-flex e-con-boxed e-con e-parent\" data-id=\"c1208fc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0728861 elementor-widget elementor-widget-text-editor\" data-id=\"0728861\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-align: var(--text-align); background-color: var(--base-3);\">L\u2019essor rapide de la finance mobile en fait une alternative au secteur bancaire traditionnel bancarisant ainsi une partie importante de la population.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53ae64e ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"53ae64e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ccc13b7 e-con-full droppable e-flex e-con e-child\" data-id=\"ccc13b7\" data-element_type=\"container\" id=\"Ele2A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ea3d42 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8ea3d42\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-deab21b e-flex e-con-boxed e-con e-parent\" data-id=\"deab21b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea61b46 e-transform elementor-widget elementor-widget-text-editor\" data-id=\"ea61b46\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les banques tr\u00e8s concentr\u00e9es dans les centres urbains de Libreville, Port-Gentil et Franceville, les institutions financi\u00e8res traditionnelles ont du mal \u00e0 toucher la client\u00e8le \u00e0 faible revenu, en particulier des zones les plus \u00e9loign\u00e9es.<\/p>\n<p>Gr\u00e2ce \u00e0 la large couverture t\u00e9l\u00e9phonique qui a, au Gabon, taux de p\u00e9n\u00e9tration de 195%, ainsi qu\u2019\u00e0 sa facilit\u00e9 d\u2019utilisation, la finance mobile a touch\u00e9 des populations \u00e9loign\u00e9es et fragiles, des commer\u00e7ants et des salari\u00e9s.<\/p>\n<p>Selon le Fonds mon\u00e9taire international (FMI), il appara\u00eet que le Gabon a vu son volume des paiements par mobile money multipli\u00e9 par six en 2020, du fait de la Covid-19. Pour surmonter l\u2019obstacle du manque d\u2019agences bancaires physiques dans certaines localit\u00e9s, les autorit\u00e9s ont permis le d\u00e9veloppement du mobile money.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1ae985 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"a1ae985\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-adbc5e1 e-con-full droppable e-flex e-con e-child\" data-id=\"adbc5e1\" data-element_type=\"container\" id=\"Ele3A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-938f4f3 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"938f4f3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1eed27d e-flex e-con-boxed e-con e-parent\" data-id=\"1eed27d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30aa48a e-transform elementor-widget elementor-widget-text-editor\" data-id=\"30aa48a\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"background-color: var(--base-3);\">Ce volume des paiements mobiles pourrait encore cro\u00eetre, car les autorit\u00e9s gabonaises souhaitent digitaliser les moyens de paiement dans les commerces. A cet effet, un groupe de travail charg\u00e9 de concevoir un plan de d\u00e9ploiement des moyens de paiements (E-money, E-banking\u2026) au sein des commerces et des entreprises\u2009a \u00e9t\u00e9 mis en place en avril 2021. Le d\u00e9fi sera de faire adopter ces modes de paiement par les entreprises et les commerces g\u00e9n\u00e9ralement habitu\u00e9s \u00e0 la manipulation d\u2019argent liquide.<\/span><\/p>\n<p>La valeur totale des transactions sur le mobile banking a connu au Gabon une progression fulgurante en tr\u00e8s peu de temps, concurren\u00e7ant les banques traditionnelles en pratiquant des tarifs agressifs face \u00e0 des banques commerciales peu soumises \u00e0 la concurrence et profitant de marges \u00e9lev\u00e9es.<\/p>\n<p>Le mode de r\u00e9mun\u00e9ration de chaque soci\u00e9t\u00e9 de finance mobile varie en fonction des accords avec les partenaires commerciaux. Ainsi, une commission sur les op\u00e9rations de retrait\/transfert (pr\u00e9lev\u00e9e aux clients) et sur les r\u00e8glements de factures (pr\u00e9lev\u00e9e aux partenaires) peut \u00eatre prise par l\u2019op\u00e9rateur.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e7e926 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"9e7e926\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6557f78 e-con-full droppable e-flex e-con e-child\" data-id=\"6557f78\" data-element_type=\"container\" id=\"Ele4A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ebc80e elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8ebc80e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
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        "rendered": "<p>L\u2019essor rapide de la finance mobile en fait une alternative au secteur bancaire traditionnel bancarisant ainsi une partie importante de la population.\u00a0 Les banques tr\u00e8s concentr\u00e9es dans les centres urbains de Libreville, Port-Gentil et Franceville, les institutions financi\u00e8res traditionnelles ont du mal \u00e0 toucher la client\u00e8le \u00e0 faible revenu, en particulier des zones les plus &#8230; <a title=\"Gabon &#8211; L\u2019essor de la finance mobile\" class=\"read-more\" href=\"https:\/\/africa.yearbook-media.com\/fr\/gabon-lessor-de-la-finance-mobile\/\" aria-label=\"Plus sur Gabon &#8211; L\u2019essor de la finance mobile\">Lire plus<\/a><\/p>",
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