{"id":463782,"date":"2026-09-03T10:48:26","date_gmt":"2026-09-03T09:48:26","guid":{"rendered":"https:\/\/www.afis.africa\/sommet-annuel-2025\/2026-programme\/"},"modified":"2026-10-09T10:20:46","modified_gmt":"2026-10-09T09:20:46","slug":"2026-programme","status":"publish","type":"page","link":"https:\/\/www.afis.africa\/fr\/2026-annual-summit\/2026-programme\/","title":{"rendered":"Programme"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"463782\" class=\"elementor elementor-463782 elementor-463614\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4584fdf e-flex e-con-boxed e-con e-child\" data-id=\"4584fdf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43f845c elementor-widget elementor-widget-html\" data-id=\"43f845c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n    <div class=\"sb-sessions\"\n     data-sb\n     data-show-people=\"1\"\n     data-show-hours=\"1\">\n        <div style=\"display:flex;justify-content:flex-end;margin:8px 0;\">\n      <button type=\"button\"\n              class=\"sb-btn\"\n              id=\"sb-download-pdf\"\n              data-event=\"6435\"\n              data-nonce=\"a71cb0b59a\">\n        \ud83d\udcc4 Download PDF\n      <\/button>\n    <\/div>\n\n      <div class=\"sb-toolbar\">\n        <!-- Programme -->\n        <div class=\"sb-switch\" data-sb-program>\n          <button type=\"button\" class=\"sb-btn is-active\" data-program=\"main\">Main Programme<\/button>\n                      <button type=\"button\" class=\"sb-btn\" data-program=\"side\">Side Events<\/button>\n                  <\/div>\n\n        <!-- Jours -->\n        <div class=\"sb-switch\" data-sb-days>\n                      <button type=\"button\" class=\"sb2-btn is-active\"\n                    data-day=\"2026-11-02\">\n              lun 02 Nov 2026            <\/button>\n                      <button type=\"button\" class=\"sb2-btn \"\n                    data-day=\"2026-11-03\">\n              mar 03 Nov 2026            <\/button>\n                      <button type=\"button\" class=\"sb2-btn \"\n                    data-day=\"2026-11-04\">\n              mer 04 Nov 2026            <\/button>\n                  <\/div>\n\n        <!-- Filtres -->\n        <select class=\"sb-select\" data-sb-format>\n          <option value=\"\">S\u00e9lectionner un type<\/option>\n                      <option value=\"panel\">Panel<\/option>\n                      <option value=\"keynote\">Keynote<\/option>\n                      <option value=\"strategic-roundtable\">Table ronde strat\u00e9gique<\/option>\n                      <option value=\"conversation-with\">Conversation avec<\/option>\n                      <option value=\"debate\">D\u00e9bat<\/option>\n                  <\/select>\n\n        <select class=\"sb-select\" data-sb-track>\n          <option value=\"\">S\u00e9lectionner une th\u00e9matique<\/option>\n                      <option value=\"capital-markets\">March\u00e9s de capitaux &amp; Gestion d\u2019actifs<\/option>\n                      <option value=\"commercial-banking\">Panorama de la banque commerciale<\/option>\n                      <option value=\"digital-fintech\">Services financiers digitaux &amp; Fintech<\/option>\n                      <option value=\"insurance\">D\u00e9velopper l\u2019assurance<\/option>\n                      <option value=\"global-econ\">D\u00e9fis macro\u00e9conomiques et de stabilit\u00e9<\/option>\n                      <option value=\"impact-sustainability\">Impact &amp; Durabilit\u00e9<\/option>\n                  <\/select>\n      <\/div>\n\n      <div class=\"sb-list\" data-sb-list>\n        <div class=\"sb-day-title\" data-day-title=\"2026-11-02\"><\/div>          <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-02\"\n                   data-format=\"\"\n                   data-track=\"\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  19:30 \u2013 21:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Welcome Cocktail<\/h3>\n\n           \n\n            \n            \n          <\/article>\n        <div class=\"sb-day-title\" data-day-title=\"2026-11-03\"><\/div>          <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"keynote\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  08:00 \u2013 09:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Opening Ceremony<\/h3>\n\n           \n\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FugVGxZjSLelJj56lEj0g_headshot-1791450816725.jpg\" alt=\"Gugulethu MFUPHI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Gugulethu MFUPHI<\/div>\n                      <div class=\"sb-job\">Animatrice prim\u00e9e \u00e0 plusieurs reprises<\/div>                                          <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FtSQZxxihSAK7it4kPojg_headshot-1789391378317.png\" alt=\"Makhtar DIOP\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Makhtar DIOP<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FddZFe1UiQUqn1KPARN9n_default-file-transformed.png\" alt=\"Amir BEN YAHMED\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Amir BEN YAHMED<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Jeune Afrique Media Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FXTWj2xHdRimiYoHNQOtr_headshot-1793025346914.png\" alt=\"H.E. Jos\u00e9 de Lima MASSANO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">H.E. Jos\u00e9 de Lima MASSANO<\/div>\n                      <div class=\"sb-job\">Ministre d\u2019\u00c9tat, en charge de la Coordination \u00e9conomique<\/div>                      <div class=\"sb-company\">R\u00e9publique d&#039;Angola<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"keynote\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  09:00 \u2013 09:15                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Allocution d\u2019ouverture | Comment une \u00ab Nouvelle Architecture financi\u00e8re africaine \u00bb peut-elle combler un d\u00e9ficit de financement du d\u00e9veloppement de 400 milliards de dollars ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>L&rsquo;Afrique fait face &agrave; un d&eacute;ficit structurel de financement du d&eacute;veloppement sup&eacute;rieur &agrave; 400 milliards de dollars par an. Il ne tient pas d&rsquo;abord &agrave; un manque de capitaux, puisque le continent d&eacute;tient environ 4 000 milliards de dollars d&rsquo;&eacute;pargne longue domestique, mais &agrave; de lourdes contraintes structurelles : fragmentation institutionnelle, allocation inefficace du risque, effet de levier limit&eacute; des bilans et coordination insuffisante entre capitaux publics et priv&eacute;s. La Nouvelle Architecture financi&egrave;re africaine pour le d&eacute;veloppement (NAFAD), pilot&eacute;e par le Groupe de la Banque africaine de d&eacute;veloppement, entend r&eacute;pondre &agrave; ce diagnostic par un cadre syst&eacute;mique qui r&eacute;organise la fa&ccedil;on dont capital et risque sont d&eacute;ploy&eacute;s dans l&rsquo;&eacute;cosyst&egrave;me financier africain. Dr Sidi Ould Tah, pr&eacute;sident du Groupe de la Banque africaine de d&eacute;veloppement, expose ce que l&rsquo;architecture fera concr&egrave;tement, selon quel calendrier et par quels moyens.<\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FRl5RaI0hSG68roLqnZOI_headshot-1790079825450.png\" alt=\"Sidi Ould TAH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Sidi Ould TAH<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident<\/div>                      <div class=\"sb-company\">Pr\u00e9sidence de la Banque Africaine de d\u00e9veloppement<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"panel\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  09:15 \u2013 10:10                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel d\u2019ouverture | Making Capital Count : Faire de la puissance financi\u00e8re africaine un moteur de croissance et d\u2019emplois<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>La finance africaine aborde la prochaine d&eacute;cennie en position de force. Ses institutions n&rsquo;ont jamais &eacute;t&eacute; aussi rentables, sophistiqu&eacute;es et innovantes, mais cette puissance financi&egrave;re ne se traduit pas encore en capital suffisant pour les entreprises, le secteur agricole, les infrastructures et les industries qui porteront la prochaine phase de croissance et de cr&eacute;ation d&rsquo;emplois du continent. La taille comptera, mais des institutions plus grandes ne suffiront pas &agrave; combler cet &eacute;cart. La prochaine g&eacute;n&eacute;ration de champions financiers africains devra allier envergure et expertise pour convertir l&rsquo;&eacute;pargne africaine en investissement productif, financer des march&eacute;s fragment&eacute;s et encore mal desservis, rivaliser &agrave; l&rsquo;&eacute;chelle internationale et faire de la finance africaine un moteur plus puissant de croissance et d&rsquo;emplois.<\/p>\n<p><strong>Points cl&eacute;s<\/strong><\/p>\n<ul>\n<li>Comment faire de la consolidation et de l&rsquo;expansion transfrontali&egrave;re un levier de financement productif, plut&ocirc;t qu&rsquo;une course &agrave; la taille ?<\/li>\n<li>Cmment orienter davantage d&rsquo;&eacute;pargne et de capitaux priv&eacute;s vers les entreprises, le secteur agricole et les infrastructures, pour cr&eacute;er des emplois ?<\/li>\n<li>Comment la technologie, l&rsquo;int&eacute;gration et une r&eacute;glementation adapt&eacute;e peuvent-elles &eacute;tendre la port&eacute;e des institutions sur des march&eacute;s fragment&eacute;s et mal desservis ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fh1c21c5Qpilyv83o9J9g_default-file-transformed.png\" alt=\"Jennifer ZABASAJJA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Jennifer ZABASAJJA<\/div>\n                      <div class=\"sb-job\">Correspondante et Pr\u00e9sentatrice<\/div>                      <div class=\"sb-company\">Bloomberg TV<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fd73wVvlfTo21gyZ5B4ne_headshot-1788948364611.png\" alt=\"Ethiopis TAFARA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ethiopis TAFARA<\/div>\n                      <div class=\"sb-job\">Vice-Pr\u00e9sident R\u00e9gional, Afrique<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FzjJAKRDSQWOTn215B8PU_headshot-1790586997394.png\" alt=\"H.E. Vera DAVES DE SOUSA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">H.E. Vera DAVES DE SOUSA<\/div>\n                      <div class=\"sb-job\">Ministre des Finances<\/div>                      <div class=\"sb-company\">R\u00e9publique d&#039;Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F9TmakxjRMChU3U4ACOin_headshot-1788948211575.png\" alt=\"Tom GITOGO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Tom GITOGO<\/div>\n                      <div class=\"sb-job\">Directeur g\u00e9n\u00e9ral du groupe et CEO<\/div>                      <div class=\"sb-company\">Britam Holdings<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/8FxUzaLYS0iapI0925vG_Awori-transformed.jpg\" alt=\"Jeremy AWORI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jeremy AWORI<\/div>\n                      <div class=\"sb-job\">CEO Groupe<\/div>                      <div class=\"sb-company\">Ecobank Transnational Inc<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"keynote\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  10:10 \u2013 10:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">\u00c9tat du march\u00e9 | Barom\u00e8tre du secteur financier africain 2026<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>Confiance &eacute;conomique, investissements en IA, expositions au risque, finance durable : Deloitte et l'AFIS d&eacute;voilent le 6\u1d49 Barom&egrave;tre, avec les r&eacute;sultats pr&eacute;liminaires de l'enqu&ecirc;te men&eacute;e cette ann&eacute;e aupr&egrave;s de dirigeants seniors des secteurs bancaire, de l'assurance, de la fintech et des march&eacute;s de capitaux. Que r&eacute;v&egrave;lent-ils sur l'&eacute;tat d'esprit du secteur financier africain ?<\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FNm2syFUvSLaQHtUCGV0V_headshot-1791464657783.png\" alt=\"Jos\u00e9 BARATA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jos\u00e9 BARATA<\/div>\n                      <div class=\"sb-job\">Associ\u00e9 g\u00e9rant \u2013 Lead Secteur Bancaire<\/div>                      <div class=\"sb-company\">Deloitte Angola<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:00 \u2013 12:20                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">ERICSSON SIDE EVENT | | Inclusion financi\u00e8re : le d\u00e9fi d\u2019une rentabilit\u00e9 durable<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>Les ambitions de l&rsquo;Afrique en mati&egrave;re d&rsquo;inclusion financi&egrave;re entrent dans une nouvelle phase. Paiements en temps r&eacute;el, identit&eacute; num&eacute;rique, plateformes interop&eacute;rables et nouvelles formes de monnaie digitale ouvrent de nouvelles perspectives pour atteindre les populations mal desservies. Pourtant, &eacute;largir l&rsquo;acc&egrave;s aux services financiers ne garantit pas une cr&eacute;ation de valeur durable. Co&ucirc;ts op&eacute;rationnels &eacute;lev&eacute;s, fragmentation des infrastructures et incertitudes sur la viabilit&eacute; commerciale continuent de freiner une inclusion financi&egrave;re p&eacute;renne &agrave; grande &eacute;chelle. Comment l&rsquo;Afrique peut-elle d&eacute;passer le seul enjeu de l&rsquo;acc&egrave;s pour b&acirc;tir des &eacute;cosyst&egrave;mes financiers &agrave; la fois inclusifs et rentables ?<\/p>\n<p>Organis&eacute;e par Ericsson, leader mondial des t&eacute;l&eacute;communications et des infrastructures num&eacute;riques, cette table ronde de haut niveau r&eacute;unira dirigeants du secteur financier, d&eacute;cideurs publics et r&eacute;gulateurs pour explorer comment la technologie, les mod&egrave;les &eacute;conomiques innovants et les partenariats public-priv&eacute; peuvent rendre l&rsquo;inclusion financi&egrave;re commercialement viable. Les &eacute;changes porteront sur la construction d&rsquo;&eacute;cosyst&egrave;mes financiers fiables, interop&eacute;rables et capables de changer d&rsquo;&eacute;chelle, cr&eacute;ant une valeur durable pour les citoyens, les entreprises et les &Eacute;tats.<\/p>\n<p>Points cl&eacute;s de discussion :<\/p>\n<ul>\n<li>\n<div>\n<div>\n<p>Repenser l&rsquo;&eacute;conomie de l&rsquo;inclusion : Quels choix r&eacute;glementaires, technologiques et &eacute;conomiques permettraient de r&eacute;duire les co&ucirc;ts structurels et de rendre rentable l&rsquo;acc&egrave;s aux services financiers pour les populations mal desservies ?<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li>\n<div>\n<div>\n<p>B&acirc;tir des &eacute;cosyst&egrave;mes de confiance cr&eacute;ateurs de valeur : Comment d&eacute;passer les seuls paiements pour g&eacute;n&eacute;rer davantage de valeur &eacute;conomique, tout en garantissant la protection des consommateurs, la confidentialit&eacute; des donn&eacute;es et la confiance ?<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li>\n<div>\n<div>\n<p>D&eacute;finir les priorit&eacute;s d&rsquo;un changement d&rsquo;&eacute;chelle durable : Quels investissements privil&eacute;gier dans les paiements en temps r&eacute;el, l&rsquo;identit&eacute; num&eacute;rique, l&rsquo;interop&eacute;rabilit&eacute;, les services hors ligne et les monnaies num&eacute;riques pour b&acirc;tir des syst&egrave;mes financiers ouverts, r&eacute;silients et &eacute;volutifs ?<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Portugais - Fran&ccedil;ais disponible.<\/strong><\/em><\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FJxZJ549xSbO9xFb9iMLO_headshot-1792070081452.jpg\" alt=\"Khalifa NADDARI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Khalifa NADDARI<\/div>\n                      <div class=\"sb-job\">Directeur Commercial, Ericsson Mobile Financial Services<\/div>                      <div class=\"sb-company\">Ericsson<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FxfqvUpH4Qlwxfi8te6UA_headshot-1788880462249.png\" alt=\"Paula Maria LEYNES FELIPE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Paula Maria LEYNES FELIPE<\/div>\n                      <div class=\"sb-job\">FIG Manager, Advisory &amp; Upstream, Afrique de l\u2019Est et australe<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F3J7YPxlSwat9myMR0bmG_headshot-1788861310572.png\" alt=\"\u00d3scar Humberto \u00c9VORA SANTOS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">\u00d3scar Humberto \u00c9VORA SANTOS<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banco de Cabo Verde<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FTfEpDxm6TOyToMZy0woD_headshot-1793093207213.jpg\" alt=\"Oliver STANOJEVIC\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Oliver STANOJEVIC<\/div>\n                      <div class=\"sb-job\">Responsable de la strat\u00e9gie produit<\/div>                      <div class=\"sb-company\">Ericsson<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"conversation-with\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:00 \u2013 12:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">GAME CHANGERS | Architecture du capital : la finance africaine change d&#039;\u00e8re<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>Con&ccedil;ue et port&eacute;e par le Groupe de la Banque africaine de d&eacute;veloppement, la Nouvelle Architecture financi&egrave;re africaine pour le d&eacute;veloppement (NAFAD) est une initiative pilot&eacute;e par l&rsquo;Afrique, destin&eacute;e &agrave; transformer la mani&egrave;re dont le financement du d&eacute;veloppement est mobilis&eacute;, s&eacute;curis&eacute; et d&eacute;ploy&eacute; sur le continent. Dr Sidi Ould Tah, pr&eacute;sident de la Groupe de la Banque africaine de d&eacute;veloppement, et Samaila Zubairu, pr&eacute;sident-directeur g&eacute;n&eacute;ral d&rsquo;Africa Finance Corporation (AFC), and Dr George Elombi, Pr&eacute;sident de la Banque et du Conseil d&rsquo;administration de la Banque Africaine d'Import-Export (Afreximbank), d&eacute;taillent les champs d&rsquo;intervention de la NAFAD en mati&egrave;re de r&eacute;gulation, de garantie et d&rsquo;&eacute;valuation du risque, la capacit&eacute; de bilan qu&rsquo;elle peut r&eacute;alistement mobiliser, et la possibilit&eacute; pour les march&eacute;s en monnaie locale de r&eacute;duire l&rsquo;exposition structurelle de l&rsquo;Afrique &agrave; une dette en devises co&ucirc;teuse. Du diagnostic &agrave; la d&eacute;cision.<\/p>\n<p><strong>Points cl&eacute;s<\/strong><\/p>\n<ul>\n<li>O&ugrave; intervient la NAFAD (garantie, premi&egrave;re perte, &eacute;valuation du risque) et qu&rsquo;est-ce que cela change pour les institutions de financement du d&eacute;veloppement existantes ?<\/li>\n<li>Quelles r&eacute;formes feraient de cette architecture, aujourd&rsquo;hui un cadre de coordination, un v&eacute;ritable capital d&eacute;ployable ?<\/li>\n<li>Les march&eacute;s en monnaie locale peuvent-ils absorber suffisamment de risque souverain pour r&eacute;duire la d&eacute;pendance au dollar &agrave; grande &eacute;chelle ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F942GDFsQgiVf8Gjv8MBT_Carlos%20Lopes.png\" alt=\"Carlos LOPES\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Carlos LOPES<\/div>\n                      <div class=\"sb-job\">Professor<\/div>                      <div class=\"sb-company\">University of Cape Town<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FiDsSXyGjTImGLrUKFqDd_headshot-1792165396863.png\" alt=\"Samaila ZUBAIRU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Samaila ZUBAIRU<\/div>\n                      <div class=\"sb-job\">President &amp; CEO<\/div>                      <div class=\"sb-company\">Africa Finance Corporation (AFC)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FRl5RaI0hSG68roLqnZOI_headshot-1790079825450.png\" alt=\"Sidi Ould TAH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Sidi Ould TAH<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident<\/div>                      <div class=\"sb-company\">Pr\u00e9sidence de la Banque Africaine de d\u00e9veloppement<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F7Yl0GS9R1ibwxd3p52gA_headshot-1792146763688.png\" alt=\"Dr. George ELOMBI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. George ELOMBI<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident<\/div>                      <div class=\"sb-company\">Afreximbank<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"impact-sustainability\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:00 \u2013 12:20                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Table-ronde strat\u00e9gique | Cr\u00e9er une nouvelle classe d\u2019actifs : comment l\u2019agritech peut transformer le financement agricole en Afrique<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur inscription via l&rsquo;application de l&rsquo;&eacute;v&eacute;nement ou sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<br><br><\/strong><\/em>Les &eacute;tablissements financiers africains consid&egrave;rent depuis longtemps les pr&ecirc;ts agricoles comme risqu&eacute;s, co&ucirc;teux et difficiles &agrave; d&eacute;ployer &agrave; grande &eacute;chelle.<strong> <\/strong>Des millions de petits exploitants restent ainsi priv&eacute;s d&rsquo;un acc&egrave;s &agrave; un cr&eacute;dit abordable. Une nouvelle g&eacute;n&eacute;ration d&rsquo;acteurs de l&rsquo;agritech, capables de f&eacute;d&eacute;rer et de structurer les fili&egrave;res agricoles, change la donne. Leurs plateformes associent identification des agriculteurs et des cultures, accompagnement technique, financement des intrants et acc&egrave;s structur&eacute; aux march&eacute;s. Elles cartographient &eacute;galement les parcelles gr&acirc;ce aux donn&eacute;es satellitaires, aux drones et aux capteurs de terrain.<\/p>\n<p>Il en r&eacute;sulte des profils num&eacute;riques d&rsquo;exploitants agricoles, reposant sur des donn&eacute;es v&eacute;rifi&eacute;es concernant les terres, les rendements, les intrants et les livraisons, qui peuvent servir de base &agrave; l&rsquo;&eacute;valuation du risque de cr&eacute;dit. Les acteurs innovants de l&rsquo;agritech, les pr&ecirc;teurs, les investisseurs et les partenaires du d&eacute;veloppement d&eacute;battront des conditions n&eacute;cessaires pour passer de projets pilotes prometteurs &agrave; une v&eacute;ritable classe d&rsquo;actifs agricoles capable d&rsquo;attirer des capitaux priv&eacute;s, de r&eacute;duire les risques li&eacute;s au cr&eacute;dit, d&rsquo;&eacute;largir l&rsquo;inclusion financi&egrave;re et d&rsquo;accro&icirc;tre durablement les revenus des petits exploitants.<\/p>\n<p><strong>Points cl&eacute;s :<\/strong><\/p>\n<ul>\n<li>Les donn&eacute;es agritech, l&rsquo;agr&eacute;gation des petits exploitants et la structuration des cha&icirc;nes de valeur peuvent-elles faire de l&rsquo;agriculture &agrave; petite &eacute;chelle une classe d&rsquo;actifs dans laquelle les banques et les investisseurs sont pr&ecirc;ts &agrave; investir ?<\/li>\n<li>Comment les entreprises de l&rsquo;agritech peuvent-elles s&rsquo;appuyer sur les profils num&eacute;riques des agriculteurs, la t&eacute;l&eacute;d&eacute;tection et des m&eacute;canismes de remboursement structur&eacute;s pour jouer un r&ocirc;le d&rsquo;interm&eacute;diaire de confiance et r&eacute;duire le co&ucirc;t et le risque du cr&eacute;dit agricole ?<\/li>\n<li>Quelle combinaison de garanties, d&rsquo;assurances et de m&eacute;canismes de partage des risques est n&eacute;cessaire pour attirer davantage de capitaux priv&eacute;s vers les march&eacute;s agricoles ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FXkfxf9l8Sre7oQvRAsqw_headshot-1788881922680.png\" alt=\"Riadh NAOUAR\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Riadh NAOUAR<\/div>\n                      <div class=\"sb-job\"> Responsable des services de conseil, l\u2019Afrique du Nord, l\u2019Afrique de l\u2019Ouest et l\u2019Afrique Centrale <\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F6bWCET6xRoq5d3asXMvm_headshot-1792054652890.png\" alt=\"Munir DURI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Munir DURI<\/div>\n                      <div class=\"sb-job\">Fondateur et CEO<\/div>                      <div class=\"sb-company\">Kifiya<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FG9B4bIyESSOFVscAkMkn_Asfaw%20Alemu.jpg\" alt=\"Asfaw ALEMU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Asfaw ALEMU<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Dashen Bank<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F9F940J1eROKyxCHLyeZp_default-file-transformed.png\" alt=\"Abrhame ENDRIAS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Abrhame ENDRIAS<\/div>\n                      <div class=\"sb-job\">Fondateur et CEO<\/div>                      <div class=\"sb-company\">LERSHA<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FlH8Z3h2wTryovIxnnyNW_headshot-1792055322846.png\" alt=\"Alloysius ATTAH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Alloysius ATTAH<\/div>\n                      <div class=\"sb-job\">Co-fondateur et CEO<\/div>                      <div class=\"sb-company\">Farmerline<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FnEhU6vvS3ywI2cXv8h7K_headshot-1792405956446.png\" alt=\"Uka EJE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Uka EJE<\/div>\n                      <div class=\"sb-job\">Co-fondateur et CEO<\/div>                      <div class=\"sb-company\">ThriveAgric<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F4mlzEeABRDKO4DErAAml_headshot-1792405929764.png\" alt=\"Dr. Olushola OBIKANYE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. Olushola OBIKANYE<\/div>\n                      <div class=\"sb-job\">Responsable Groupe, Financement agricole et minier<\/div>                      <div class=\"sb-company\">Sterling Bank<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FlcM7BCTTRmiPtvARTCgk_headshot-1791448290503.jpg\" alt=\"Ulrich KAYINAMURA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ulrich KAYINAMURA<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Agaciro Development Fund<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/Qru0e5i2RYOhWhu4T1po_Ewan%20Wheeler-transformed.png\" alt=\"Ewan WHEELER\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ewan WHEELER<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">ACRE Africa <\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"digital-fintech\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:00 \u2013 12:20                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Roundtable Disrupters Club | Un \u00ab techbook \u00bb africain : prot\u00e9ger et garder la main<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\"><strong>Acc&egrave;s uniquement via l'application de l'&eacute;v&egrave;nement ou sur invitation. Traduction fran&ccedil;ais - anglais - portugais disponible.<br><\/strong><br>Banques, assureurs et groupes de paiement d&eacute;pendent de plus en plus de technologies con&ccedil;ues et h&eacute;berg&eacute;es ailleurs : r&eacute;gions cloud, syst&egrave;mes centraux, mod&egrave;les d&rsquo;IA. Qu&rsquo;une de ces briques tombe en panne ou soit coup&eacute;e, et les r&egrave;gles de plusieurs pays peuvent s&rsquo;appliquer en m&ecirc;me temps &mdash; ou aucune ne s&rsquo;imposer clairement. Face &agrave; des fournisseurs disposant de moyens et de comp&eacute;tences techniques bien sup&eacute;rieurs aux leurs, les autorit&eacute;s peuvent se retrouver d&eacute;munies. Le manuel de la supervision financi&egrave;re a &eacute;t&eacute; &eacute;crit pour des &eacute;tablissements dot&eacute;s d&rsquo;agences et de bilans. Que doit contenir le &laquo; techbook &raquo; des syst&egrave;mes dont ils d&eacute;pendent d&eacute;sormais ?<\/div>\n<div><strong><br>Points cl&eacute;s<\/strong><\/div>\n<ul data-spread=\"false\">\n<li>\n<div>Couverture cloud : si les syst&egrave;mes financiers rel&egrave;vent d&rsquo;une juridiction ext&eacute;rieure, quelles r&egrave;gles s&rsquo;appliquent en cas de d&eacute;faillance, de recours et de reprise ?<\/div>\n<\/li>\n<li>\n<div>En lieu s&ucirc;r : qui d&eacute;cide de l&rsquo;emplacement des donn&eacute;es, que co&ucirc;te leur maintien &agrave; proximit&eacute; et pendant combien de temps ?<\/div>\n<\/li>\n<li>\n<div>Bande passante : que peuvent faire les pouvoirs publics en mati&egrave;re de connectivit&eacute;, d&rsquo;h&eacute;bergement et de comp&eacute;tences pour garder les syst&egrave;mes critiques &agrave; port&eacute;e de main ?<\/div>\n<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/oRfCm7wRRoCi9WOTCinZ_Kalina-transformed.jpg\" alt=\"Kalina MILLER\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Kalina MILLER<\/div>\n                      <div class=\"sb-job\">FIG Business Responsable du d\u00e9veloppement pour l\u2019Afrique australe<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FrHjFhm8kQNuDF9CiMiQX_default-file-transformed.png\" alt=\"Jyoti BALL\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jyoti BALL<\/div>\n                      <div class=\"sb-job\">Directrice G\u00e9n\u00e9rale Afrique subsaharienne<\/div>                      <div class=\"sb-company\">Amazon Web Services<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F5tb727GwTUqp4i1p2KFS_headshot-1790763825279.png\" alt=\"Nkiru AMADI-EMINA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Nkiru AMADI-EMINA<\/div>\n                      <div class=\"sb-job\">Fondatrice &amp; CEO<\/div>                      <div class=\"sb-company\">Tradevu Technology<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F1BSfHy1cTmO27fWss1mk_headshot-1790726845126.png\" alt=\"Vincens Edouard NDIAYE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Vincens Edouard NDIAYE<\/div>\n                      <div class=\"sb-job\">Directeur de la strat\u00e9gie et des partenariats institutionnels<\/div>                      <div class=\"sb-company\">Polytechs Global<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FbFIOuohQ9yOuF31pKIAj_headshot-1793013784835.png\" alt=\"Ant\u00f3nio HOU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ant\u00f3nio HOU<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Huawei Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F378qrxbpT6SUvP8BJmw1_headshot-1792759687741.png\" alt=\"Ricardo FERREIRA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ricardo FERREIRA<\/div>\n                      <div class=\"sb-job\">Directeur g\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">Access Bank Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FSHs5zu0LRRCm0zIwk74W_headshot-1792577589328.png\" alt=\"Temwani SIMWAKA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Temwani SIMWAKA<\/div>\n                      <div class=\"sb-job\">Directrice g\u00e9n\u00e9rale<\/div>                      <div class=\"sb-company\">NBS Bank<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"panel\"\n                   data-track=\"insurance\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  12:00 \u2013 13:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel des superviseurs de l&#039;assurance | B\u00e2tir les march\u00e9s d\u00e9laiss\u00e9s de l&#039;assurance maladie universelle<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">L'aide &agrave; la sant&eacute; en Afrique subsaharienne a chut&eacute; de 25 % en 2025, r&eacute;duisant les moyens disponibles pour &eacute;tendre la couverture aux trois quarts des m&eacute;nages sans assurance maladie. La plupart paient leurs soins directement, faute d'information, de confiance ou de moyens. Pr&egrave;s d'un quart des pays africains ont rendu l'assurance maladie obligatoire, avec une couverture qui progresse modestement &mdash; 13 % au Nigeria. En ao&ucirc;t 2025, le Kenya a ouvert son r&eacute;gime public aux assureurs priv&eacute;s. Ailleurs, co&ucirc;ts op&eacute;rationnels &eacute;lev&eacute;s et difficult&eacute; &agrave; tarifer le risque informel peuvent limiter leur participation. Comment les r&eacute;gulateurs peuvent-ils remodeler les incitations, r&eacute;duire les frictions et mobiliser les capacit&eacute;s du secteur priv&eacute; ?<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Fixer les fronti&egrave;res :<\/strong>&nbsp;o&ugrave; placer les incitations pour permettre aux assureurs priv&eacute;s de compl&eacute;ter les r&eacute;gimes publics sans les remplacer ?<\/li>\n<li><strong>&Eacute;largir les pools :<\/strong>&nbsp;comment mieux couvrir les populations pauvres et vuln&eacute;rables tout en rendant les pools de risques financi&egrave;rement viables ?<\/li>\n<li><strong>Le mur des primes :<\/strong> jusqu'o&ugrave; la r&eacute;gulation peut-elle agir sur le principal obstacle &mdash; le co&ucirc;t des primes, hors de port&eacute;e pour la majorit&eacute; ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F2JXmxYzkSxabMgXSwIa4_default-file-transformed.png\" alt=\"Julians AMBOKO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Julians AMBOKO<\/div>\n                      <div class=\"sb-job\">R\u00e9dacteur en chef \u00e9conomie<\/div>                      <div class=\"sb-company\">Nation Media Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FmQYTo2zXQmqwOpGEsr7q_headshot-1788880500276.png\" alt=\"Namakau MUNDIA NTINI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Namakau MUNDIA NTINI<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Autorit\u00e9 des pensions et des assurances, R\u00e9publique de Zambie<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FJd90aX8DQea3BhMwU6Vf_headshot-1791288269075.png\" alt=\"Filomena Rossana Airosa MANJATA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Filomena Rossana Airosa MANJATA<\/div>\n                      <div class=\"sb-job\">Chairwoman<\/div>                      <div class=\"sb-company\"> Angolan Agency for Insurance Regulation and Supervision (ARSEG)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FKds715wHRAGzbl8kx3VY_headshot-1789653017735.png\" alt=\"Baghayo SAQWARE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Baghayo SAQWARE<\/div>\n                      <div class=\"sb-job\">Commissaire et Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">Autorit\u00e9 de r\u00e9gulation des assurances de Tanzanie<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FEUd1vH8S2Cuis4XMW84g_headshot-1791531468580.png\" alt=\"Dr. Abiba ZAKARIAH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. Abiba ZAKARIAH<\/div>\n                      <div class=\"sb-job\">Commissaire aux assurances<\/div>                      <div class=\"sb-company\">Commission nationale des assurances du Ghana<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:00 \u2013 15:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">BAD SIDE EVENT I Faire de la NAFAD un levier pour l\u2019\u00e9conomie r\u00e9elle : des capitaux aux projets bancables<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>&nbsp;<\/p>\n<p data-pm-slice=\"1 1 []\">L&rsquo;Afrique fait face &agrave; un d&eacute;ficit annuel de financement du d&eacute;veloppement sup&eacute;rieur &agrave; 400 milliards de dollars, alors qu&rsquo;elle dispose de plus de 4 000 milliards de dollars de capitaux domestiques. Port&eacute;e par la Banque africaine de d&eacute;veloppement, la Nouvelle architecture financi&egrave;re africaine pour le d&eacute;veloppement (NAFAD) vise &agrave; mieux coordonner les institutions financi&egrave;res, mobiliser les ressources africaines et orienter les capitaux vers les priorit&eacute;s de d&eacute;veloppement du continent.<\/p>\n<p>Au-del&agrave; d&rsquo;une pr&eacute;sentation g&eacute;n&eacute;rale de la NAFAD, cette table ronde centr&eacute;e sur les transactions s&rsquo;appuiera sur un projet ou un cas d&rsquo;investissement concret. Elle examinera comment gouvernements, institutions de financement du d&eacute;veloppement, banques commerciales, investisseurs institutionnels, organismes de garantie et porteurs de projets peuvent am&eacute;liorer la pr&eacute;paration et la structuration financi&egrave;re des projets, mobiliser fonds propres et dette, r&eacute;duire les risques et acc&eacute;l&eacute;rer le bouclage financier.<\/p>\n<p><em><strong>A<\/strong><\/em><em><strong>cc&egrave;s sur invitation uniquement. Traduction Anglais - Portugais - Fran&ccedil;ais disponible.<\/strong><\/em><\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FlrrxNqMQoILIXrzSuYFA_headshot-1793017161688.jpg\" alt=\"Didier ACOUETEY\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Didier ACOUETEY<\/div>\n                      <div class=\"sb-job\">Conseiller principal du Pr\u00e9sident, charg\u00e9 du d\u00e9veloppement du secteur priv\u00e9 et de la Nouvelle architecture financi\u00e8re africaine pour le d\u00e9veloppement (NAFAD)<\/div>                      <div class=\"sb-company\">Banque Africaine de D\u00e9veloppement<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPnXwKxTmRa1QvMsDKErQ_headshot-1789563841650.png\" alt=\"Solomon QUAYNOR\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Solomon QUAYNOR<\/div>\n                      <div class=\"sb-job\">VP, Secteur Priv\u00e9, Infrastructures et Industrialisation<\/div>                      <div class=\"sb-company\">Banque Africaine de D\u00e9veloppement (BAD)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FkJs6SwOTTQOQ6sKVvq9e_headshot-1791968802254.png\" alt=\"Ousmane FALL\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ousmane FALL<\/div>\n                      <div class=\"sb-job\">Directeur du D\u00e9partement des op\u00e9rations non souveraines et de l&#039;appui au secteur priv\u00e9<\/div>                      <div class=\"sb-company\">Banque Africaine de D\u00e9veloppement (BAD)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/c7T9Mb1TSTaMDDBsGU5d_1697914541190-transformed.jpeg\" alt=\"Ahmed Rashad ATTOUT\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ahmed Rashad ATTOUT<\/div>\n                      <div class=\"sb-job\">Directeur - D\u00e9partement du d\u00e9veloppement du secteur financier<\/div>                      <div class=\"sb-company\">Banque Africaine de D\u00e9veloppement<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"masterclass\"\n                   data-track=\"\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:00 \u2013 15:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">MASTERCLASS UBUNTU | Banque africaine : o\u00f9 se jouera la croissance de la prochaine d\u00e9cennie ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p data-pm-slice=\"1 1 []\">Le chemin de fer a r&eacute;volutionn&eacute; le transport des marchandises. Internet a transform&eacute; la circulation de l&rsquo;information. La prochaine r&eacute;volution des infrastructures financi&egrave;res sera celle du transfert de valeur.&nbsp;Larry Fink, PDG de BlackRock, voit dans la tokenisation la prochaine g&eacute;n&eacute;ration des march&eacute;s financiers. Les premi&egrave;res banques &agrave; s&rsquo;en saisir pourraient capter une part majeure de ce nouveau march&eacute;.&nbsp;Anim&eacute;e par <strong>Ubuntu Tribe, fintech africaine pionni&egrave;re de la tokenisation des actifs r&eacute;els<\/strong>, cette masterclass d&eacute;cryptera les applications concr&egrave;tes de la tokenisation, de l&rsquo;or &agrave; l&rsquo;immobilier en passant par les titres financiers, les opportunit&eacute;s qu&rsquo;elle ouvre aux institutions financi&egrave;res et les exigences r&eacute;glementaires qui accompagneront son d&eacute;veloppement.<\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FNLQXigHVRuinGPcT4CeW_headshot-1791968935382.jpg\" alt=\"Tshegofatso KEKANA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Tshegofatso KEKANA<\/div>\n                      <div class=\"sb-job\">Directrice des Relations Publiques<\/div>                      <div class=\"sb-company\">UBUNTU TRIBE<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/SPLRPwEZSkUUZeTDI19g_20247_1695984233_CMBZMS-transformed.png\" alt=\"Mamadou TOURE \">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Mamadou TOURE <\/div>\n                      <div class=\"sb-job\">Fondateur et PDG <\/div>                      <div class=\"sb-company\">UBUNTU TRIBE<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:00 \u2013 15:20                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Side Event Proparco - Le partage du risque en pratique : comment financer davantage de PME africaines ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-ogsc=\"black\"><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/div>\n<div data-ogsc=\"black\">&nbsp;<\/div>\n<div data-ogsc=\"black\">Une garantie prouve sa valeur quand un comit&eacute; de cr&eacute;dit approuve un pr&ecirc;t qu'il aurait refus&eacute;. Proparco et l'Union europ&eacute;enne ont lanc&eacute; Impact+ &agrave; l'AFIS 2025, avec une contre-garantie europ&eacute;enne de 178 millions d'euros, pour mobiliser 1,1 milliard d'euros de garanties en cinq ans. La facilit&eacute; couvre jusqu'&agrave; 80 % du principal sur des pr&ecirc;ts de 500 euros &agrave; 2 millions d'euros, en monnaie locale, en euros ou en dollars. Elle succ&egrave;de &agrave; EURIZ, qui a partag&eacute; le risque de cr&eacute;dit PME avec des banques africaines &agrave; partir de 2019. Un an apr&egrave;s, institutions financi&egrave;res, Proparco et Union europ&eacute;enne comparent leurs r&eacute;sultats et pr&eacute;cisent les conditions d'un financement des PME africaines &agrave; grande &eacute;chelle.<\/div>\n<div data-ogsc=\"black\">Points cl&eacute;s<\/div>\n<ul>\n<li data-ogsc=\"black\">\n<div data-ogsc=\"\">Quels risques les garants doivent-ils porter, et &agrave; quel taux de couverture et &agrave; quel prix une banque change-t-elle sa d&eacute;cision de cr&eacute;dit ?<\/div>\n<\/li>\n<li data-ogsc=\"black\">\n<div data-ogsc=\"\">Quels segments une garantie ouvre-t-elle ? March&eacute;s fragiles, agriculture, climat, entreprises dirig&eacute;es par des femmes et des jeunes ?<\/div>\n<\/li>\n<li data-ogsc=\"black\">De quoi les banques ont-elles besoin pour continuer &agrave; pr&ecirc;ter &agrave; ces PME &agrave; grande &eacute;chelle une fois la garantie &eacute;chue ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FgM067H8QfmfZ1WY9CzeM_headshot-1789374157400.png\" alt=\"Aymen MTIMET\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Aymen MTIMET<\/div>\n                      <div class=\"sb-job\">Associ\u00e9 - Conseil Industrie des services financiers, Responsable D\u00e9veloppement \u00e9conomique inclusif<\/div>                      <div class=\"sb-company\">Deloitte Afrique francophone<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FusOri6bRCWSnyRGDdTDI_headshot-1792592890052.png\" alt=\"Yann JACQUEMIN\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Yann JACQUEMIN<\/div>\n                      <div class=\"sb-job\">Responsable Garanties pour le d\u00e9veloppement<\/div>                      <div class=\"sb-company\">Proparco<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/UhrzzLAcSuud77bU8Shb_FINafrica-transformed.png\" alt=\"B\u00e9ata HABYARIMANA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">B\u00e9ata HABYARIMANA<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">FINAFRICA<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F1bCFJPgSTGCIRhrsFVbL_headshot-1792577657431.jpg\" alt=\"Mateja PETERNELJ\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Mateja PETERNELJ<\/div>\n                      <div class=\"sb-job\">Cheffe des partenariats \u00e0 la d\u00e9l\u00e9gation de l\u2019Union europ\u00e9enne en Angola<\/div>                      <div class=\"sb-company\">Union Europ\u00e9enne<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FVm0vMvrBSTyIzRQALc2s_headshot-1792680962888.jpg\" alt=\"Dave LECHUANGE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dave LECHUANGE<\/div>\n                      <div class=\"sb-job\">Directeur des Risques<\/div>                      <div class=\"sb-company\">Rawbank<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"conversation-with\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:20 \u2013 14:50                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Conversation avec | Swaps, rachats, montages : l&#039;Afrique face au casse-t\u00eate des eurobonds ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">L'Afrique subsaharienne a entam&eacute; 2026 avec son meilleur d&eacute;but d'ann&eacute;e sur le march&eacute; des eurobonds depuis 2013 &mdash; 5,95 milliards de dollars lev&eacute;s en sept semaines. Mais les taux restent &eacute;lev&eacute;s : l'Angola s'est engag&eacute; &agrave; pr&egrave;s de 10 % sur sa derni&egrave;re &eacute;mission. Les gouvernements explorent des alternatives &mdash; swaps de rendement total, rachats de dette, montages utilisant des titres souverains comme garantie. Le FMI avertit que les co&ucirc;ts sont comparables &agrave; un eurobond et que les mouvements de taux et de change pourraient cr&eacute;er de nouveaux risques budg&eacute;taires. Ces outils permettent-ils r&eacute;ellement de r&eacute;duire le co&ucirc;t de la dette &mdash; ou ne font-ils que d&eacute;placer le risque ?<\/div><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fh1c21c5Qpilyv83o9J9g_default-file-transformed.png\" alt=\"Jennifer ZABASAJJA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Jennifer ZABASAJJA<\/div>\n                      <div class=\"sb-job\">Correspondante et Pr\u00e9sentatrice<\/div>                      <div class=\"sb-company\">Bloomberg TV<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FbpaykebYQo22d8XIVpXR_headshot-1791961580447.jpg\" alt=\"Miguel AZEVEDO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Miguel AZEVEDO<\/div>\n                      <div class=\"sb-job\">Directeur g\u00e9n\u00e9ral, vice-pr\u00e9sident de la banque d\u2019investissement, Moyen-Orient et Afrique<\/div>                      <div class=\"sb-company\">Citi<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"panel\"\n                   data-track=\"impact-sustainability\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:20 \u2013 15:20                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Women In Finance \u2013 Panel | Donn\u00e9es alternatives : le cr\u00e9dit f\u00e9minin va-t-il enfin d\u00e9coller ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>42 milliards de dollars : c'est le d&eacute;ficit de financement annuel des PME dirig&eacute;es par des femmes en Afrique que le scoring alternatif - de plus en plus adopt&eacute; par les banques et les fintechs - pourrait contribuer &agrave; combler. Mais des algorithmes nourris de donn&eacute;es historiques risquent surtout de reconduire le biais de genre. &Agrave; d&eacute;faut &eacute;gal ou inf&eacute;rieur, les femmes &eacute;valu&eacute;es par ces mod&egrave;les obtiennent des scores 6 &agrave; 8 points plus bas que les hommes. Sans garde-fous, la technologie habille l'exclusion d'un vernis d'objectivit&eacute;. Certaines fintechs r&eacute;agissent : la tanzanienne Tausi Africa purge ses mod&egrave;les des m&eacute;tadonn&eacute;es de genre, l'indienne Lendingkart audite les siens contre les biais. Comment recalibrer les mod&egrave;les du secteur ?<\/p>\n<p>Points cl&eacute;s<\/p>\n<ul>\n<li><strong>Donn&eacute;es utiles ou pi&egrave;ge :<\/strong> quelles donn&eacute;es alternatives &eacute;largissent vraiment l'acc&egrave;s des femmes au cr&eacute;dit - et lesquelles renforcent les biais ?<\/li>\n<li><strong>Standards et recours :<\/strong> quelles r&egrave;gles pour l'audit des biais, la transparence et la contestation des scores ?<\/li>\n<li><strong>Garder l'humain :<\/strong> o&ugrave; le jugement humain doit-il rester irrempla&ccedil;able dans le processus de cr&eacute;dit ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F5iQPJQX7Tk2RgxMPeOii_headshot-1789122312925.png\" alt=\"Ondiro OGANGA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Ondiro OGANGA<\/div>\n                      <div class=\"sb-job\">Correspondante Afrique prim\u00e9e<\/div>                                          <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FTSSi3lHgTHmu9h3EtpYx_headshot-1791472400097.png\" alt=\"Jatin KASAN\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jatin KASAN<\/div>\n                      <div class=\"sb-job\">Associ\u00e9 - Services Financiers<\/div>                      <div class=\"sb-company\">Forvis Mazars South Africa<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPElnoqnZQNSRwSUvKEx4_headshot-1788947951282.png\" alt=\"Coura Carine SENE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Coura Carine SENE<\/div>\n                      <div class=\"sb-job\">Directrice R\u00e9gionale<\/div>                      <div class=\"sb-company\">Wave Mobile Money Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F0B95mItrQv6rEK7rvkM9_headshot-1789032958266.png\" alt=\"Meghan McCORMICK\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Meghan McCORMICK<\/div>\n                      <div class=\"sb-job\">Co-fondatrice &amp; Directrice g\u00e9n\u00e9rale<\/div>                      <div class=\"sb-company\">Oze<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F3apCgDTSfCSbf5Y4URBg_Nathalie%20Akon%20Gabala.jpg.png\" alt=\"Nathalie Kouassi AKON\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Nathalie Kouassi AKON<\/div>\n                      <div class=\"sb-job\">Directrice r\u00e9gionale Golfe de Guin\u00e9e<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FL2gkRPB7QC2WwcAAu2B0_headshot-1792592847000.jpg\" alt=\"Ghislaine SAMAK\u00c9\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ghislaine SAMAK\u00c9<\/div>\n                      <div class=\"sb-job\">Directrice g\u00e9n\u00e9rale<\/div>                      <div class=\"sb-company\">Ecobank Guinea-Bissau<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:20 \u2013 15:50                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">AWS Executive Forum : r\u00e9guler l\u2019innovation financi\u00e8re \u00e0 l\u2019\u00e8re de l\u2019IA et du cloud<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Portugais - Fran&ccedil;ais disponible<\/strong><\/em><\/p>\n<p>Les institutions financi&egrave;res adoptent de plus en plus l&rsquo;intelligence artificielle, le cloud et d&rsquo;autres technologies &eacute;mergentes. Les r&eacute;gulateurs doivent permettre l&rsquo;innovation tout en pr&eacute;servant la stabilit&eacute; financi&egrave;re, la protection des consommateurs et la s&eacute;curit&eacute; des donn&eacute;es. Ce forum r&eacute;unit les parties prenantes pour examiner comment les cadres r&eacute;glementaires peuvent &eacute;voluer au rythme des technologies. Les &eacute;changes porteront sur trois axes : trouver un &eacute;quilibre pratique entre innovation et supervision, renforcer la collaboration entre r&eacute;gulateurs et secteur priv&eacute;, et garantir une adoption responsable des technologies &eacute;mergentes dans l&rsquo;&eacute;cosyst&egrave;me financier africain.<\/p>\n<p>Points cl&eacute;s :<\/p>\n<ul>\n<li><strong>Concilier innovation et r&eacute;gulation<\/strong> : comment les r&eacute;gulateurs peuvent-ils b&acirc;tir des cadres qui encouragent l&rsquo;adoption de l&rsquo;IA et du cloud sans freiner l&rsquo;innovation financi&egrave;re ?<\/li>\n<li><strong>Ma&icirc;triser les risques &eacute;mergents<\/strong> : protection des donn&eacute;es personnelles, cybers&eacute;curit&eacute;, gouvernance de l&rsquo;IA, r&eacute;silience op&eacute;rationnelle et risques li&eacute;s aux prestataires tiers et au cloud.<\/li>\n<li><strong>Renforcer la coop&eacute;ration r&eacute;glementaire<\/strong> : approfondir le dialogue entre r&eacute;gulateurs, institutions financi&egrave;res et fournisseurs de technologie pour construire une r&eacute;glementation r&eacute;active et tourn&eacute;e vers l&rsquo;avenir.<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FvEZlquUmQhWckHYTzgIU_headshot-1792413561690.png\" alt=\"Michael JEFFERSON\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Michael JEFFERSON<\/div>\n                      <div class=\"sb-job\">Responsable des politiques publiques, services financiers, zone EMEA<\/div>                      <div class=\"sb-company\">Amazon Web Services<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FrHjFhm8kQNuDF9CiMiQX_default-file-transformed.png\" alt=\"Jyoti BALL\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jyoti BALL<\/div>\n                      <div class=\"sb-job\">Directrice G\u00e9n\u00e9rale Afrique subsaharienne<\/div>                      <div class=\"sb-company\">Amazon Web Services<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F5t7zjKxDRFmLXIXp1ZCg_headshot-1791984487205.png\" alt=\"Wyckliffe SHAMIAH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Wyckliffe SHAMIAH<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Capital Markets Authority of Kenya<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FWyhMOk2bQS33AXSkcIxs_headshot-1793090928929.png\" alt=\"Esselina MACOME\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Esselina MACOME<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sidente du Conseil d&#039;administration<\/div>                      <div class=\"sb-company\">Standard Bank Mozambique<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"panel\"\n                   data-track=\"capital-markets\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:50 \u2013 15:50                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel | Le \u201cred\u00e9marrage de la croissance\u201d : mobiliser le capital priv\u00e9 dans un monde plus incertain<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">\n<p>Le FMI appelle &agrave; une &laquo; remise &agrave; z&eacute;ro de la croissance &raquo; fond&eacute;e sur l'investissement priv&eacute;, mais le contexte a chang&eacute;. &laquo; La mondialisation ne se fait plus en easy mode &raquo;, estime NinetyOne, alors que l'&egrave;re des mati&egrave;res premi&egrave;res bon march&eacute; s'ach&egrave;ve et que le soutien &agrave; l'int&eacute;gration &eacute;conomique s'essouffle. L'Afrique a attir&eacute; 70 milliards de dollars d'IDE en 2025, son troisi&egrave;me meilleur niveau, mais seuls 14 pays ont &eacute;mis des obligations d'entreprises en monnaie locale depuis 2000. R&egrave;gles de rapatriement des devises, fragmentation des syst&egrave;mes de compensation, mise en &oelig;uvre in&eacute;gale de B&acirc;le III et d&eacute;lais de r&egrave;glement &eacute;lev&eacute;s p&egrave;sent sur les investisseurs. Alors que le conflit au Moyen-Orient, la hausse du p&eacute;trole et le ralentissement de la croissance en Chine accroissent les incertitudes, comment le secteur financier peut-il contribuer &agrave; faire des actifs africains une valeur refuge ?<\/p>\n<p>Points cl&eacute;s<\/p>\n<ul>\n<li><strong>Garder les capitaux :<\/strong> quelles r&eacute;formes des exigences de fonds propres et quels instruments en monnaie locale retiendraient davantage de capitaux africains sur le continent ?<\/li>\n<li><strong>Changer de m&eacute;thode :<\/strong> que doivent faire diff&eacute;remment banques, assureurs, Bourses et fintechs pour soutenir l'allocation de capitaux &eacute;trangers ?<\/li>\n<li><strong>Fluidifier les march&eacute;s :<\/strong> par o&ugrave; commencer pour r&eacute;duire les d&eacute;lais de r&egrave;glement et faciliter la convertibilit&eacute; des monnaies ?<\/li>\n<\/ul>\n<\/div><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FwbWgnfCRhe8KK3ktMbnb_headshot-1789122159416.png\" alt=\"Ntaoleng LECHELA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Ntaoleng LECHELA<\/div>\n                      <div class=\"sb-job\"> Pr\u00e9sentatrice et journaliste<\/div>                      <div class=\"sb-company\">Business Day TV &amp; SAfm<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPrx2eWw7T0FRxiYXL4Zz_headshot-1790239383166.png\" alt=\"Dr. Agostinho KAPAIA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. Agostinho KAPAIA<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident du groupe<\/div>                      <div class=\"sb-company\">OPAIA Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F7cNvUmTSxGn9aP30jhX2_headshot-1791371339989.png\" alt=\"Sergio PIMENTA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Sergio PIMENTA<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">Fonds d&#039;acc\u00e9l\u00e9ration pour les Infrastructures - Africa50<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FXhKU30pkQlClM8nGuS9e_headshot-1793048841155.png\" alt=\"Victor CARDOSO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Victor CARDOSO<\/div>\n                      <div class=\"sb-job\">Membre du comit\u00e9 ex\u00e9cutif<\/div>                      <div class=\"sb-company\">BAI<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/XF2xWEvTXmcBTD7CVQCP_387_1714746586_X2THDG-transformed.jpg\" alt=\"Kayode AKINDELE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Kayode AKINDELE<\/div>\n                      <div class=\"sb-job\">MD\/CEO<\/div>                      <div class=\"sb-company\">Coronation Capital<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"digital-fintech\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  15:50 \u2013 17:10                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Stablecoins : les banques africaines peuvent-elles en faire un atout ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p style=\"text-align: justify\"><em><strong>Acc&egrave;s sur inscription via l&rsquo;application de l&rsquo;&eacute;v&eacute;nement ou sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\n<div data-olk-copy-source=\"MessageBody\">Les stablecoins quittent la sph&egrave;re crypto pour gagner les paiements et les services bancaires africains. Entreprises et m&eacute;nages les utilisent pour verser des salaires et r&eacute;gler des paiements transfrontaliers &agrave; 1,5 % de frais fixes, contre 8 % en moyenne. La BRI avertit qu'une adoption g&eacute;n&eacute;ralis&eacute;e pourrait fragiliser la stabilit&eacute; financi&egrave;re, et les banques centrales restent prudentes &mdash; le gouverneur de la SARB &eacute;voquait en f&eacute;vrier &laquo; un engouement dont les b&eacute;n&eacute;fices restent incertains &raquo;. Pendant ce temps, des banques commerciales comme Credit Bank au Kenya les int&egrave;grent d&eacute;j&agrave; &agrave; leurs services. Cette table ronde examine comment les banques peuvent tirer parti des stablecoins sans d&eacute;stabiliser les syst&egrave;mes financiers.<\/div>\n<div data-olk-copy-source=\"MessageBody\">&nbsp;<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Au-del&agrave; du crypto :<\/strong>&nbsp;les stablecoins peuvent-ils devenir un outil bancaire ordinaire en Afrique ?<\/li>\n<li><strong>R&eacute;guler sans &eacute;touffer :<\/strong>&nbsp;comment traiter r&eacute;serves, conservation, convertibilit&eacute; et conformit&eacute; anti-blanchiment ?<\/li>\n<li><strong>Qui prend les r&ecirc;nes ?<\/strong> Les banques doivent-elles piloter l'adoption ou laisser le champ aux fintechs et aux acteurs offshore ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FyFYZNzSaWJfHkOOWr4yw_headshot-1784623626054.jpg\" alt=\"Samira  MENSAH \">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Samira  MENSAH <\/div>\n                      <div class=\"sb-job\">Directrice G\u00e9n\u00e9rale Recherche &amp; Analyse Afrique et Responsable Pays \u2013 Afrique du Sud<\/div>                      <div class=\"sb-company\">S&amp;P Global <\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F2LzLRoyJQhCZMJ3uYey4_headshot-1789996648072.png\" alt=\"Fintan BYRNE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Fintan BYRNE<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">CR2<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FFApW7RIESQ2lfl9VbOxj_headshot-1790069593735.png\" alt=\"Mareme DIENG\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Mareme DIENG<\/div>\n                      <div class=\"sb-job\">Responsable de la strat\u00e9gie, des fusions-acquisitions et de l&#039;avenir de la fintech<\/div>                      <div class=\"sb-company\">Axian Digibank &amp; Fintech<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F28vXhr6dQkmA8Cmmf2z9_headshot-1788948243780.png\" alt=\"Awa GUEYE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Awa GUEYE<\/div>\n                      <div class=\"sb-job\">Responsable R\u00e9gionale des Affaires Publiques<\/div>                      <div class=\"sb-company\">Wave Mobile Money Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FpUMKX8ecTvumxFImYHSy_headshot-1788868556199.png\" alt=\"Dr. Kombe KAPONDA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. Kombe KAPONDA<\/div>\n                      <div class=\"sb-job\">Chair Fintech &amp; chercheur principal sur les MNBC<\/div>                      <div class=\"sb-company\">Banque de Zambie<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FhYZRz73XSTOAXHT6OLxP_headshot-1788880549407.png\" alt=\"Emmanuel Mpawe TUTUBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Chairperson\">\n                          Chairperson                        <\/div>\n                      \n                      <div class=\"sb-name\">Emmanuel Mpawe TUTUBA<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banque de Tanzanie<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"masterclass\"\n                   data-track=\"\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  16:00 \u2013 17:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Masterclass Atlantic Re : Retenir davantage des risques, cr\u00e9er plus de valeur : l&#039;avenir de la r\u00e9assurance africaine<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>Le march&eacute; africain de la r&eacute;assurance a enregistr&eacute; 6,27 milliards de dollars de primes en 2024, soit &agrave; peine 1,6 % du volume mondial de souscription en r&eacute;assurance. Les r&eacute;assureurs subsahariens ont port&eacute; leur capital &agrave; 3 milliards de dollars en 2025, mais leurs taux de r&eacute;tention ont chut&eacute; &agrave; 78,6 %, contre 87,5 % en 2016.<\/p>\n<p>Les risques complexes li&eacute;s aux biens immobiliers et &agrave; l&rsquo;&eacute;nergie continuent d&rsquo;&ecirc;tre transf&eacute;r&eacute;s &agrave; l&rsquo;&eacute;tranger, tandis que les sinistres li&eacute;s au climat ne cessent d&rsquo;augmenter. L&rsquo;Afrique a enregistr&eacute; 9 milliards de dollars de pertes &eacute;conomiques en 2024, contre une moyenne sur dix ans de 6 milliards de dollars. Atlantic Re, le r&eacute;assureur national marocain disposant de bureaux &agrave; Abidjan, au Caire et &agrave; Kigali, explique comment les assureurs africains peuvent conserver davantage de risques et maintenir la valeur qu&rsquo;ils g&eacute;n&egrave;rent sur le continent.<br><br><strong>Points cl&eacute;s<\/strong><\/p>\n<ul>\n<li>Renforcer les capacit&eacute;s en mati&egrave;re de capital, de souscription et d&rsquo;actuariat pour prendre en charge les risques complexes li&eacute;s aux biens immobiliers, &agrave; l&rsquo;&eacute;nergie et au climat<\/li>\n<li>Mettre en commun les capacit&eacute;s au-del&agrave; des fronti&egrave;res et harmoniser la r&eacute;glementation afin que les primes restent sur les march&eacute;s africains<\/li>\n<li>Canaliser les primes conserv&eacute;es vers des investissements &agrave; long terme et all&eacute;ger la pression sur les r&eacute;serves de change<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FFqdAEdW5SaCfUFsvJ0iW_headshot-1792508346817.jpg\" alt=\"Amine RYANE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Amine RYANE<\/div>\n                      <div class=\"sb-job\">Directeur du D\u00e9v\u00e9loppement International et Partenariats<\/div>                      <div class=\"sb-company\">Atlantic Re<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FSC4aH5W0Tt0MJBtcm1HH_headshot-1792508544520.jpg\" alt=\"Omar FASSAL\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Omar FASSAL<\/div>\n                      <div class=\"sb-job\">Directeur - Strategie et Performance<\/div>                      <div class=\"sb-company\">Atlantic Re<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"panel\"\n                   data-track=\"capital-markets\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  16:00 \u2013 17:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel | Democratising investing with AI and mobile-first apps \u2013 safely<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p style=\"text-align: justify\">&laquo;&nbsp;L&rsquo;&egrave;re de l&rsquo;investissement intelligent est d&eacute;j&agrave; l&agrave; &raquo;<em>,<\/em> d&eacute;clarait en mai le directeur g&eacute;n&eacute;ral de la SEC du Nigeria. Les plateformes de trading mobiles ouvrent les march&eacute;s financiers &agrave; un public de particuliers plus large. L&rsquo;IA, y ajoute une nouvelle dimension : trading algorithmique et<em> <\/em>robot-conseiller, port&eacute;s par des acteurs comme Hisa et EasyEquities, rendent l&rsquo;analyse d&rsquo;investissement accessible. &Agrave; mesure que l&rsquo;IA se rapproche de la d&eacute;cision d&rsquo;investissement, les r&eacute;gulateurs doivent trancher : o&ugrave; encourager l&rsquo;innovation, o&ugrave; poser des limites ? Maurice figure parmi les premiers &agrave; avoir pos&eacute; un cadre, avec l&rsquo;octroi cette ann&eacute;e de sa premi&egrave;re licence de conseil assist&eacute; par l&rsquo;IA. Comment les plateformes mobiles et les outils d&rsquo;IA peuvent-ils d&eacute;mocratiser l&rsquo;acc&egrave;s aux march&eacute;s de capitaux tout en prot&eacute;geant les investisseurs ?<\/p>\n<p style=\"text-align: justify\"><strong><em>Points cl&eacute;s<\/em><\/strong><\/p>\n<ul>\n<li style=\"text-align: justify\">Quels outils mobiles et d&rsquo;IA ont fait la preuve de leur capacit&eacute; &agrave; &eacute;largir l&rsquo;acc&egrave;s aux march&eacute;s financiers ?<\/li>\n<li style=\"text-align: justify\">Protection des consommateurs : les cadres r&eacute;glementaires sont-ils adapt&eacute;s, et o&ugrave; faut-il les r&eacute;former ?<\/li>\n<li style=\"text-align: justify\">Partage des responsabilit&eacute;s : en cas d&rsquo;erreur de l&rsquo;IA, qui rend des comptes entre fournisseurs, plateformes et courtiers ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F17tC80QEm8WFvU7aWHyg_headshot-1789484764827.png\" alt=\"John EVERINGTON\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">John EVERINGTON<\/div>\n                      <div class=\"sb-job\"> R\u00e9dacteur en chef pour le Moyen-Orient et l&#039;Afrique<\/div>                      <div class=\"sb-company\">The Banker<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FveH9vdX9SD20BpVVIyOA_headshot-1790262929226.png\" alt=\"Humphrey KEBAYA MWAMBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Humphrey KEBAYA MWAMBA<\/div>\n                      <div class=\"sb-job\">Co-fondateur<\/div>                      <div class=\"sb-company\">MystocksAfrica<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FNrBr8dNDTviEVZ8Lpfke_default-file-transformed.png\" alt=\"Emmanuel LUBANZADIO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Emmanuel LUBANZADIO<\/div>\n                      <div class=\"sb-job\">Responsable Afrique<\/div>                      <div class=\"sb-company\">OpenAI<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F91QYDM87TFaZrgL84wLZ_headshot-1789373912499.png\" alt=\"Josephine Okui OSSIYA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Josephine Okui OSSIYA<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Autorit\u00e9 des March\u00e9s de Capitaux- Ouganda<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FlG0JfHOQT4uVaQ4v7z6a_headshot-1792412531836.jpg\" alt=\"Cyrille Bertrand ONANA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Cyrille Bertrand ONANA<\/div>\n                      <div class=\"sb-job\">Fondateur et pr\u00e9sident<\/div>                      <div class=\"sb-company\">Horus Investment Group<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  16:30 \u2013 18:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Table-ronde Africa Business+ | M&amp;A et projets : et si l&#039;Afrique finan\u00e7ait chez elle ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\n<p>Le monde des affaires africain veut financer ses plus grands projets et ses M&amp;A sur le continent, en monnaie locale, avec des institutions financi&egrave;res africaines - des banques locales aux fonds de pension, source croissante de capital long terme. Mais les banques r&eacute;gionales manquent de surface financi&egrave;re pour porter une dette projet de 7 &agrave; 12 ans ou de grandes acquisitions. Les entreprises se tournent donc vers des acteurs &eacute;trangers qui structurent les deux tiers de la dette non-financi&egrave;re africaine (53 % en dollars), ou &eacute;mettent hors du continent. L'&eacute;mission en naira de MTN Nigeria en 2021 et le programme de 300 milliards de nairas de Dangote montrent que le financement local peut porter de grandes op&eacute;rations - mais restent des exceptions. Comment financer, structurer et d&eacute;tenir davantage de ces op&eacute;rations sur le continent ?<\/p>\n<p>Points cl&eacute;s<\/p>\n<ul>\n<li><strong>Ce que veulent les CFO :<\/strong> quels produits et avanc&eacute;es en gouvernance pour financer localement les plus grosses op&eacute;rations - et comment les banques renforcent-elles leurs fonds propres en cons&eacute;quence ?<\/li>\n<li><strong>Le r&ocirc;le du capital long :<\/strong> fonds de pension, assureurs, fonds locaux - quelle part peuvent-ils prendre dans les grands projets et M&amp;A, et l'origine du capital des LP compte-t-elle ?<\/li>\n<li><strong>Lib&eacute;rer les banques :<\/strong> comment IFD et r&eacute;gulateurs peuvent-ils permettre aux banques de pr&ecirc;ter long terme quand les r&egrave;gles p&eacute;nalisent les pr&ecirc;ts longs ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FvH0SyJ0mSqOvgBWeN06U_headshot-1789122106583.png\" alt=\"Aur\u00e9lie BENOIT\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Aur\u00e9lie BENOIT<\/div>\n                      <div class=\"sb-job\">Cheffe d&#039;edition<\/div>                      <div class=\"sb-company\">AfricaBusiness+<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/event-files%2FE8MNW0mXQBikRcZPMRaT_Adilson%20NELUMBA.png\" alt=\"Adilson NELUMBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Adilson NELUMBA<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident du Conseil d&#039;administration<\/div>                      <div class=\"sb-company\">Copia Group of Companies<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FoBHkyIjR96O3Zjq43KQQ_headshot-1789122370546.png\" alt=\"Kadija SANGHO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Kadija SANGHO<\/div>\n                      <div class=\"sb-job\">DAF<\/div>                      <div class=\"sb-company\">Rawbank<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FeA1uEjL4SmaL5zwLGmvf_headshot-1788947977754.png\" alt=\"Aziz SARR\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Aziz SARR<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Mansa Capital<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fklhc7jFnTq2BRh5LmWB9_headshot-1788777185848.png\" alt=\"\u00c9mile Donatien LUHAHI OSUMBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">\u00c9mile Donatien LUHAHI OSUMBA<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">Fonds d&#039;investissement strat\u00e9gique de la R\u00e9publique d\u00e9mocratique du Congo (FIS-RDC) <\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fh555nn8ER2mA3htJBma2_headshot-1790342578254.png\" alt=\"Hugo AZEVEDO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Hugo AZEVEDO<\/div>\n                      <div class=\"sb-job\">Directeur Financier (CFO)<\/div>                      <div class=\"sb-company\">OPAIA Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FoB66pAskQlGu7gEWhDFT_headshot-1793109193203.jpg\" alt=\"Timothy MUGODI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Timothy MUGODI<\/div>\n                      <div class=\"sb-job\">Directeur g\u00e9n\u00e9ral ex\u00e9cutif, membre du Conseil d\u2019administration et responsable de la Banque de financement et d\u2019investissement (CIB)<\/div>                      <div class=\"sb-company\">Standard Bank Angola<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  16:30 \u2013 18:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">BANCO SOL SIDE EVENT | Au-del\u00e0 des cr\u00e9ances douteuses : assainir les bilans bancaires pour relancer le cr\u00e9dit<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p data-pm-slice=\"1 3 []\"><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Portugais - Fran&ccedil;ais disponible.<\/strong><\/em><\/p>\n<p data-pm-slice=\"1 3 []\">Les cr&eacute;ances douteuses (NPL) ne sont pas qu&rsquo;un probl&egrave;me de bilan : elles mobilisent les fonds propres des banques, p&egrave;sent sur leur rentabilit&eacute; et freinent le financement de l&rsquo;&eacute;conomie r&eacute;elle. Entre d&eacute;faillances dans l&rsquo;&eacute;valuation du risque de cr&eacute;dit, faiblesses de gouvernance et instabilit&eacute; macro&eacute;conomique, leurs causes sont multiples. Face &agrave; la d&eacute;gradation de la qualit&eacute; des actifs, comment pr&eacute;server la stabilit&eacute; financi&egrave;re sans compromettre la croissance du cr&eacute;dit ?<\/p>\n<p>Organis&eacute;e par <strong>Banco Sol<\/strong>, cette table ronde de haut niveau r&eacute;unira dirigeants bancaires, r&eacute;gulateurs et experts financiers pour explorer des solutions concr&egrave;tes, &agrave; la lumi&egrave;re des exp&eacute;riences africaines et europ&eacute;ennes.<\/p>\n<p><strong>Au c&oelig;ur des &eacute;changes :<\/strong><\/p>\n<ul data-spread=\"false\">\n<li><strong>Pr&eacute;venir et traiter les cr&eacute;ances douteuses :<\/strong> Comment renforcer l&rsquo;&eacute;valuation du risque de cr&eacute;dit, la gouvernance et les m&eacute;canismes de recouvrement ?<\/li>\n<li><strong>Assainir les bilans :<\/strong> Quels leviers de recapitalisation, de restructuration et de gestion des actifs d&eacute;pr&eacute;ci&eacute;s pour restaurer la capacit&eacute; de financement des banques ?<\/li>\n<li><strong>Partager les responsabilit&eacute;s :<\/strong> Quel r&ocirc;le pour les actionnaires, les r&eacute;gulateurs et les institutions judiciaires dans la r&eacute;solution des cr&eacute;ances douteuses et la protection des d&eacute;posants ?<\/li>\n<\/ul>\n<p>&nbsp;<\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FNm2syFUvSLaQHtUCGV0V_headshot-1791464657783.png\" alt=\"Jos\u00e9 BARATA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Jos\u00e9 BARATA<\/div>\n                      <div class=\"sb-job\">Associ\u00e9 g\u00e9rant \u2013 Lead Secteur Bancaire<\/div>                      <div class=\"sb-company\">Deloitte Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FXwIORqAJSOeZzCYeZGOf_headshot-1791973019676.png\" alt=\"Dr Antonio RAMALHO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr Antonio RAMALHO<\/div>\n                      <div class=\"sb-job\">Ex-CEO<\/div>                      <div class=\"sb-company\">Novo Banco Portugal<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FkiuNHDFASh2gPpOZ1vBz_headshot-1792596981702.png\" alt=\"Dr. Osvaldo LEMOS MACAIA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. Osvaldo LEMOS MACAIA<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Banco Sol<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FvdPN0o43TICn71PigRo6_headshot-1790687572713.png\" alt=\"Admassu TADESSE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Admassu TADESSE<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident du groupe et Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">TDB Group<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"panel\"\n                   data-track=\"commercial-banking\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  16:50 \u2013 17:50                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">CEO Talk | Les g\u00e9ants bancaires africains face aux challengers num\u00e9riques : \u00e0 qui appartient l&#039;avenir ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">Les plus grandes banques africaines lancent des n&eacute;obanques, tandis que les fintechs de premier plan se muent en banques. Paystack et Flutterwave ont obtenu cette ann&eacute;e une licence de microfinance au Nigeria. Wave a cr&eacute;&eacute; Wave Bank Africa fin 2025 en C&ocirc;te d'Ivoire, tandis que Moniepoint a rachet&eacute; en mars 2026 Sumac Microfinance Bank au Kenya. Les banques &eacute;tablies ripostent : Attijariwafa a lanc&eacute; &laquo; Simple. &raquo;, la premi&egrave;re n&eacute;obanque du Maroc, avant l'entr&eacute;e attendue de Revolut. Alors que le directeur g&eacute;n&eacute;ral de Standard Bank &eacute;voque une &laquo; concurrence qui s'intensifie &raquo;, comment les banques d&eacute;cideront-elles quels segments d&eacute;fendre &mdash; et s'il faut concurrencer, s'associer &agrave;, ou racheter les fintechs qui grignotent leurs marges ?<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>N&eacute;obanques maison :<\/strong>&nbsp;les grands groupes bancaires africains peuvent-ils b&acirc;tir des marques num&eacute;riques agiles sans cannibaliser leur c&oelig;ur de m&eacute;tier ?<\/li>\n<li><strong>Acheter ou innover ?<\/strong>&nbsp;Quand l'acquisition d'une fintech a-t-elle plus de sens que l'innovation interne ?<\/li>\n<li><strong>Rentabilit&eacute; mobile-first :<\/strong> comment d&eacute;gager des revenus durables dans un environnement o&ugrave; les frais s'effondrent et la concurrence s'intensifie ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fh1c21c5Qpilyv83o9J9g_default-file-transformed.png\" alt=\"Jennifer ZABASAJJA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Jennifer ZABASAJJA<\/div>\n                      <div class=\"sb-job\">Correspondante et Pr\u00e9sentatrice<\/div>                      <div class=\"sb-company\">Bloomberg TV<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FoInQsKUgRju9iun3VjNI_default-file-transformed.png\" alt=\"Aliou MAIGA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Aliou MAIGA<\/div>\n                      <div class=\"sb-job\">Directeur R\u00e9gional de l&#039;Industrie pour l&#039;Afrique, Institutions Financi\u00e8res<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPFFJjCkiSwC7LYYmYLdw_headshot-1788948187467.png\" alt=\"Erwan GELEBART\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Erwan GELEBART<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Axian Digibank &amp; Fintech<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FZoH1HgCS72Fca4M57rvy_headshot-1789374105525.png\" alt=\"El-Hassana KABA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">El-Hassana KABA<\/div>\n                      <div class=\"sb-job\">Founder - CEO<\/div>                      <div class=\"sb-company\">MANSA BANK<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F9O0cOZS6SkaddoSnJas7_headshot-1789558826690.png\" alt=\"Luis LELIS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Luis LELIS<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">BAI<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/8FxUzaLYS0iapI0925vG_Awori-transformed.jpg\" alt=\"Jeremy AWORI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jeremy AWORI<\/div>\n                      <div class=\"sb-job\">CEO Groupe<\/div>                      <div class=\"sb-company\">Ecobank Transnational Inc<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-03\"\n                   data-format=\"\"\n                   data-track=\"\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  19:30 \u2013 22:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Gala Dinner and Awards Ceremony<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><strong>Acc&egrave;s sur invitation uniquement.<\/strong><\/p><\/div>\n            \n            \n          <\/article>\n        <div class=\"sb-day-title\" data-day-title=\"2026-11-04\"><\/div>          <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"afis-governance\"\n                   data-track=\"\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  08:00 \u2013 10:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">AFIS Supervisory Council Meeting<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p><\/div>\n            \n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  08:30 \u2013 09:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">BOAD SIDE EVENT | B\u00e2tir l\u2019avenir de l\u2019UEMOA : financer un habitat durable, inclusif et moteur de souverainet\u00e9 \u00e9nerg\u00e9tique<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Portugais - Fran&ccedil;ais disponible.<\/strong><\/em><\/p>\n<p>Dans l&rsquo;UEMOA, le d&eacute;ficit estim&eacute; &agrave; 3,5 millions de logements constitue &agrave; la fois un d&eacute;fi structurel et une opportunit&eacute; d&rsquo;investissement &agrave; fort impact. L&rsquo;enjeu : mobiliser des capitaux de long terme et des m&eacute;canismes de partage des risques pour financer, &agrave; grande &eacute;chelle, un habitat abordable, durable et sobre en &eacute;nergie.<\/p>\n<p>En marge de l&rsquo;AFIS 2026, la BOAD r&eacute;unira investisseurs, experts et d&eacute;cideurs financiers pour transformer cette ambition en solutions finan&ccedil;ables : instruments innovants, partenariats structurants et opportunit&eacute;s concr&egrave;tes de mobilisation de capitaux.<\/p>\n<ul>\n<li>Quels instruments de refinancement, de garantie et de partage des risques peuvent acc&eacute;l&eacute;rer l&rsquo;investissement dans le logement abordable ?<\/li>\n<li>Quels mod&egrave;les peuvent &eacute;largir l&rsquo;acc&egrave;s au financement des m&eacute;nages &agrave; revenus modestes ou irr&eacute;guliers ?<\/li>\n<li>Comment conjuguer finance climat, construction bioclimatique et mat&eacute;riaux locaux pour r&eacute;duire les co&ucirc;ts et renforcer la souverainet&eacute; &eacute;nerg&eacute;tique ?<\/li>\n<\/ul>\n<p><strong>Prenez part &agrave; cet &eacute;change strat&eacute;gique, et contribuez &agrave; l&rsquo;identification de nouvelles opportunit&eacute;s de partenariat pour structurer les investissements qui fa&ccedil;onneront l&rsquo;habitat de demain dans l&rsquo;UEMOA.<\/strong><\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/9HXJZxndTFCSIC8HdlRu_18663_1711109768_DDGB5J-transformed.jpg\" alt=\"Abdou DIOP\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Abdou DIOP<\/div>\n                      <div class=\"sb-job\">Associ\u00e9 G\u00e9rant<\/div>                      <div class=\"sb-company\">Forvis Mazars<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FUzZE2cRHQNyNEj7nyGZB_headshot-1791966612676.jpg\" alt=\"Zeynab CISSE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Zeynab CISSE<\/div>\n                      <div class=\"sb-job\">Responsable du Business D\u00e9veloppement<\/div>                      <div class=\"sb-company\">African Risk Capacity<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/p4coJXKDQKac2r7GEsXv_1662803382839-transformed.jpg\" alt=\"Moubarak MOUKAILA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Moubarak MOUKAILA<\/div>\n                      <div class=\"sb-job\">Directeur du Financement du D\u00e9veloppement Durable<\/div>                      <div class=\"sb-company\">Banque Ouest Africaine de D\u00e9veloppement (BOAD)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fzn5Nk5m9TGCHbcUiqttW_headshot-1791967169890.jpg\" alt=\"Emmanuel Cheick Oumar BARRY\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Emmanuel Cheick Oumar BARRY<\/div>\n                      <div class=\"sb-job\">Directeur du d\u00e9partement de la Sant\u00e9, Education et Immobilier<\/div>                      <div class=\"sb-company\">Banque Ouest Africaine de D\u00e9veloppement (BOAD)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FZREZGz7bTKuFo5ews080_headshot-1791992394870.png\" alt=\"Laureen KOUASSI - OLSSON\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Laureen KOUASSI - OLSSON<\/div>\n                      <div class=\"sb-job\">Secr\u00e9taire G\u00e9n\u00e9rale Afrique<\/div>                      <div class=\"sb-company\">Groupe Duval<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  08:30 \u2013 09:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Side Event AXIAN | Construire ensemble : comment r\u00e9gulateurs et innovateurs peuvent-ils fa\u00e7onner le prochain syst\u00e8me financier africain ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Portugais - Fran&ccedil;ais disponible.<\/strong><\/em><\/p>\n<p>Le mobile money a donn&eacute; de la port&eacute;e &agrave; l&rsquo;Afrique. La prochaine d&eacute;cennie peut lui donner de la profondeur. Les wallets deviennent des prestataires de services complets et la valeur se d&eacute;place vers le cr&eacute;dit, l&rsquo;&eacute;pargne, l&rsquo;assurance et les paiements transfrontaliers. De nouvelles infrastructures arrivent vite, des syst&egrave;mes de paiement instantan&eacute; aux r&eacute;seaux interop&eacute;rables en passant par les stablecoins. R&eacute;gulateurs et secteur priv&eacute; partagent les m&ecirc;mes objectifs : &eacute;largir l&rsquo;acc&egrave;s, prot&eacute;ger les consommateurs, stabiliser les march&eacute;s et laisser les bonnes id&eacute;es passer &agrave; l&rsquo;&eacute;chelle. Sur tout le continent, bacs &agrave; sable r&eacute;glementaires, consultations conjointes et normes communes montrent qu&rsquo;un dialogue pr&eacute;coce acc&eacute;l&egrave;re l&rsquo;innovation tout en renfor&ccedil;ant les garde-fous. Superviseurs et dirigeants du secteur partagent ce qui a fonctionn&eacute;, les lacunes qui subsistent et les moyens de les combler ensemble.<\/p>\n<p>Points cl&eacute;s :<\/p>\n<ul>\n<li>Comment r&eacute;gulateurs et prestataires peuvent-ils collaborer pour &eacute;largir l&rsquo;acc&egrave;s au cr&eacute;dit, &agrave; l&rsquo;&eacute;pargne et &agrave; l&rsquo;assurance tout en prot&eacute;geant les consommateurs et la stabilit&eacute; financi&egrave;re ?<\/li>\n<li>Qu&rsquo;est-ce qui rend le processus d&rsquo;agr&eacute;ment efficace pour les deux parties, et comment un dialogue pr&eacute;coce peut-il raccourcir le d&eacute;lai de mise sur le march&eacute; ?<\/li>\n<li>&Agrave; mesure que se mettent en place les syst&egrave;mes de paiement instantan&eacute; et les connexions transfrontali&egrave;res, quels mod&egrave;les de propri&eacute;t&eacute; et de gouvernance public-priv&eacute; ont donn&eacute; des r&eacute;sultats ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FFApW7RIESQ2lfl9VbOxj_headshot-1790069593735.png\" alt=\"Mareme DIENG\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Mareme DIENG<\/div>\n                      <div class=\"sb-job\">Responsable de la strat\u00e9gie, des fusions-acquisitions et de l&#039;avenir de la fintech<\/div>                      <div class=\"sb-company\">Axian Digibank &amp; Fintech<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FbImmutAShyu0Y4hQNp9w_headshot-1788859882572.png\" alt=\"Aivo ANDRIANARIVELO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Aivo ANDRIANARIVELO<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banque Centrale de Madagascar<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPFFJjCkiSwC7LYYmYLdw_headshot-1788948187467.png\" alt=\"Erwan GELEBART\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Erwan GELEBART<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Axian Digibank &amp; Fintech<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPElnoqnZQNSRwSUvKEx4_headshot-1788947951282.png\" alt=\"Coura Carine SENE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Coura Carine SENE<\/div>\n                      <div class=\"sb-job\">Directrice R\u00e9gionale<\/div>                      <div class=\"sb-company\">Wave Mobile Money Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FhYZRz73XSTOAXHT6OLxP_headshot-1788880549407.png\" alt=\"Emmanuel Mpawe TUTUBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Emmanuel Mpawe TUTUBA<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banque de Tanzanie<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F1qdaXpuJRECLfWZAndmA_PP%20OC%201.jpg\" alt=\"Omar CISSE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Omar CISSE<\/div>\n                      <div class=\"sb-job\">Fondateur et Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">InTouch<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  09:00 \u2013 10:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Side Event Polytechs | Pr\u00e9venir le risque syst\u00e9mique dans les paiements num\u00e9riques africains<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.&nbsp;<\/strong><\/em><\/p>\n<div data-olk-copy-source=\"MessageBody\">Un paiement part d&rsquo;une banque, transite par un wallet, change d&rsquo;agr&eacute;gateur et finit converti en stablecoins. &Agrave; chaque &eacute;tape, une partie de sa trace dispara&icirc;t. Comptes multiples, marchands introuvables, r&egrave;glements mal document&eacute;s : la fraude prosp&egrave;re dans ces angles morts. Quand plusieurs &eacute;tablissements d&eacute;pendent des m&ecirc;mes interm&eacute;diaires, un incident local peut contaminer tout le syst&egrave;me. Polytechs Global a &eacute;prouv&eacute; le probl&egrave;me sur le terrain, dans le monitoring des jeux d&rsquo;argent. Sa r&eacute;ponse s&rsquo;appelle Sentinel, un hub de supervision sous gouvernance des autorit&eacute;s, qui croise les donn&eacute;es des banques, EME et PSP. Prochaine &eacute;tape : un pilote commun entre banques centrales, banques et fintechs volontaires.<\/div>\n<ul>\n<li>Quelles donn&eacute;es banques, EME, PSP et orchestrateurs doivent-ils partager pour suivre un paiement jusqu&rsquo;&agrave; son r&egrave;glement ?<\/li>\n<li>&Agrave; partir de quel seuil une faille de tra&ccedil;abilit&eacute; locale menace-t-elle la stabilit&eacute; financi&egrave;re ?<\/li>\n<li>Qui pilote une supervision commune entre banque centrale, r&eacute;gulateurs sectoriels et cellules de renseignement financier ?<\/li>\n<\/ul>\n<div>&nbsp;<\/div><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F1BSfHy1cTmO27fWss1mk_headshot-1790726845126.png\" alt=\"Vincens Edouard NDIAYE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Vincens Edouard NDIAYE<\/div>\n                      <div class=\"sb-job\">Directeur de la strat\u00e9gie et des partenariats institutionnels<\/div>                      <div class=\"sb-company\">Polytechs Global<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"panel\"\n                   data-track=\"insurance\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  10:00 \u2013 11:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel | Fuite des primes :  les assureurs africains peuvent-ils atteindre la taille critique ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">70 &agrave; 90 % des primes des risques sp&eacute;ciaux s'&eacute;chappent vers des r&eacute;assureurs &eacute;trangers, selon Afreximbank. Faute d'assureurs et de r&eacute;assureurs locaux suffisamment capitalis&eacute;s, p&eacute;trole et gaz, aviation et mines se couvrent &agrave; l'international &mdash; donn&eacute;es, expertise et profits partent avec. Renforcer les capacit&eacute;s de r&eacute;assurance, mutualiser les risques &agrave; l'image de l'African Oil &amp; Energy Pool g&eacute;r&eacute; par Africa Re, et relever les exigences de capital sont sur la table. Comment coordonner ces leviers pour mieux positionner les assureurs africains sur la couverture des grands risques et des risques sp&eacute;ciaux ?<\/div>\n<div data-olk-copy-source=\"MessageBody\">&nbsp;<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Changer d'&eacute;chelle :<\/strong>&nbsp;comment faire grandir les pools africains de risques sp&eacute;ciaux pour retenir p&eacute;trole, gaz et mines sur le continent ?<\/li>\n<li><strong>Cession obligatoire :<\/strong>&nbsp;levier efficace pour retenir les primes ou risque de concentration excessive ?<\/li>\n<li><strong>Renforcer le capital :<\/strong> comment assureurs et r&eacute;assureurs peuvent-ils approfondir leurs fonds propres &mdash; et les r&eacute;gulateurs doivent-ils les y contraindre ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F5iQPJQX7Tk2RgxMPeOii_headshot-1789122312925.png\" alt=\"Ondiro OGANGA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Ondiro OGANGA<\/div>\n                      <div class=\"sb-job\">Correspondante Afrique prim\u00e9e<\/div>                                          <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FiQbjZ87NSU2pV04GxEZK_headshot-1791445656600.png\" alt=\"Clement CHINAKA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Clement CHINAKA<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral Afrique<\/div>                      <div class=\"sb-company\">Old Mutual<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F67x8MJ2PQMuK0wbRfJJ2_headshot-1790671493688.png\" alt=\"M\u00e1rio Mota LEMOS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">M\u00e1rio Mota LEMOS<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">ENSA<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FUPgyzvXSoaSF57npnIxA_headshot-1790323104249.png\" alt=\"Manuel MOSES\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Manuel MOSES<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">ATIDI<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  10:00 \u2013 11:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Side Event BIDC : Une feuille de route pour la transformation la BIDC au coeur de la prochaine \u00e9tape du d\u00e9veloppement de l&#039;Afrique de l&#039;Ouest<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Portugais - Fran&ccedil;ais disponible.<\/strong><\/em><\/p>\n<p>L&rsquo;Afrique de l&rsquo;Ouest est confront&eacute;e &agrave; certains des d&eacute;fis les plus importants du continent: une croissance d&eacute;mographique rapide, d&rsquo;importants d&eacute;ficits en infrastructures et en emplois, ainsi qu&rsquo;une forte vuln&eacute;rabilit&eacute; aux chocs climatiques. Pourtant, la r&eacute;gion constitue &eacute;galement l&rsquo;une des fronti&egrave;res d&rsquo;investissement les plus prometteuses d&rsquo;Afrique, port&eacute;e par une population jeune et une classe moyenne en expansion. Transformer ce potentiel en r&eacute;sultats concrets exige bien plus que des ressources financi&egrave;res. Cela n&eacute;cessite des institutions solides, de nouveaux mod&egrave;les de partenariat et la capacit&eacute; de convertir les investissements en v&eacute;ritable d&eacute;veloppement.<\/p>\n<p>En tant qu&rsquo;institution de financement du d&eacute;veloppement des quinze pays de l&rsquo;Afrique de l&rsquo;Ouest, la Banque d&rsquo;Investissement et de D&eacute;veloppement de la CEDEAO (BIDC) renforce son r&ocirc;le de partenaire r&eacute;gional privil&eacute;gi&eacute; des gouvernements, du secteur priv&eacute;, des investisseurs et des institutions de d&eacute;veloppement. Sa Strat&eacute;gie GRO (2026-2030), fond&eacute;e sur les piliers Croissance, R&eacute;silience et Optimisation, d&eacute;finit une feuille de route sur cinq ans visant &agrave; renforcer la capacit&eacute; financi&egrave;re de la Banque, accro&icirc;tre l&rsquo;engagement du secteur priv&eacute; et acc&eacute;l&eacute;rer un d&eacute;veloppement plus durable et inclusif dans l&rsquo;ensemble de la r&eacute;gion.<\/p>\n<p><strong>Points cl&eacute;s<\/strong><\/p>\n<ul>\n<li>Comment la BIDC, en s&rsquo;appuyant sur sa solidit&eacute; financi&egrave;re, son mandat r&eacute;gional et sa Strat&eacute;gie GRO, ainsi qu&rsquo;avec quels partenaires, peut-elle mobiliser davantage de capitaux pour soutenir les opportunit&eacute;s qui fa&ccedil;onneront la prochaine phase de croissance de l&rsquo;Afrique de l&rsquo;Ouest ?<\/li>\n<li>Quels sont les secteurs offrant les perspectives de rendement les plus attractives pour les investisseurs, les entreprises et les institutions de d&eacute;veloppement, et comment la BIDC peut-elle contribuer &agrave; transformer ces opportunit&eacute;s en impacts tangibles sur le d&eacute;veloppement ?<\/li>\n<li>Comment les investisseurs et les institutions peuvent-ils collaborer avec la BIDC pour acc&eacute;l&eacute;rer le d&eacute;veloppement r&eacute;gional, et quel r&ocirc;le le Forum d&rsquo;Investissement de la CEDEAO (EIF 2027) jouera-t-il dans la mise en relation des capitaux, des opportunit&eacute;s et des partenaires ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FwjUdk2E9SlifgcE3ibdu_headshot-1788948425449.png\" alt=\"Dr. George Agyekum DONKOR\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. George Agyekum DONKOR<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident<\/div>                      <div class=\"sb-company\">Banque d&#039;Investissement et de D\u00e9veloppement de la CEDEAO (BIDC)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FTiK8lE7MQuy5QYHEaaR8_headshot-1792767296258.png\" alt=\"Dr Andrew AMANKWAH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr Andrew AMANKWAH<\/div>\n                      <div class=\"sb-job\">Directeur, D\u00e9partement de la tr\u00e9sorerie et de la mobilisation des ressources  <\/div>                      <div class=\"sb-company\">Banque d&#039;Investissement et de D\u00e9veloppement de la CEDEAO (BIDC)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPyL2jIq6RCuWK1p3o8ck_headshot-1792054223973.png\" alt=\"Dr. MacDonald Saye GOANUE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. MacDonald Saye GOANUE<\/div>\n                      <div class=\"sb-job\">Director of Research and Strategic Planning<\/div>                      <div class=\"sb-company\">Banque d&#039;Investissement et de D\u00e9veloppement de la CEDEAO (BIDC)<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"panel\"\n                   data-track=\"digital-fintech\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  10:00 \u2013 11:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">PME africaines : une offre financi\u00e8re compl\u00e8te, enfin ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>L'ex-pr&eacute;sident de la BAD s'&eacute;tait &eacute;mu de voir de jeunes entrepreneurs quitter l'Afrique faute de cr&eacute;dit bancaire. Afreximbank, IFC et d'autres appellent &agrave; une offre PME compl&egrave;te - &eacute;pargne, financement de cha&icirc;ne d'approvisionnement, affacturage, assurance... - pour compl&eacute;ter fintechs et mobile money. Les donn&eacute;es des paiements digitaux pourraient donner aux banques et assureurs une vision plus fine des ventes, impay&eacute;s et stocks des PME, mieux cerner leurs besoins en fonds de roulement, et int&eacute;grer ces services directement dans leur comptabilit&eacute; ou leurs ERP. Comment banques, fintechs et r&eacute;gulateurs peuvent-ils d&eacute;ployer collectivement cette offre &eacute;largie ?<\/p>\n<p>Points cl&eacute;s<\/p>\n<ul>\n<li><strong>Fiers de l'offre PME :<\/strong> comment b&acirc;tir un dispositif cr&eacute;dible et complet, capable de r&eacute;duire le d&eacute;ficit de financement d&rsquo;ici 2030 ?<\/li>\n<li><strong>Donn&eacute;es sous-exploit&eacute;es :<\/strong> quelles donn&eacute;es fintech et mobile money mobiliser pour le financement de cha&icirc;ne d'approvisionnement, la finance int&eacute;gr&eacute;e et le cr&eacute;dit ?<\/li>\n<li><strong>Fixer les standards :<\/strong> o&ugrave; les r&eacute;gulateurs doivent-ils intervenir sur l'interop&eacute;rabilit&eacute;, l'identit&eacute; num&eacute;rique, les API et le consentement ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FgKS1G4qhQzGqw8QY24sm_headshot-1789122460116.png\" alt=\"Patrick COOKE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Patrick COOKE<\/div>\n                      <div class=\"sb-job\">Responsable du Moyen-Orient et de l&#039;Afrique<\/div>                      <div class=\"sb-company\">Euromoney<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FMMCP8G2mSSaz0vj8xocJ_headshot-1790262738619.png\" alt=\"Philip SIGWART\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Philip SIGWART<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Baobab Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FUHrdfeGSl6VufdVfYFFk_headshot-1788861257276.png\" alt=\"Uzoma DOZIE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Uzoma DOZIE<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Sparkle<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FvdPN0o43TICn71PigRo6_headshot-1790687572713.png\" alt=\"Admassu TADESSE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Admassu TADESSE<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident du groupe et Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">TDB Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FGW2KEklGRd4fEMuJ4fb0_default-file-transformed.png\" alt=\"Farid FEZOUA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Farid FEZOUA<\/div>\n                      <div class=\"sb-job\">Directeur mondial des technologies de rupture, des services et des fonds<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FeDupbg6R5yCKR1SSgRjg_headshot-1792678595583.png\" alt=\"Dr. Hugo TELES\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. Hugo TELES<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Banco BIC<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"side-event\"\n                   data-track=\"\"\n                   data-is-side=\"1\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  10:00 \u2013 11:10                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Side Event Backbase | Du digital \u00e0 l\u2019agentique : les banques africaines peuvent-elles \u00e0 nouveau prendre une longueur d\u2019avance ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Portugais - Fran&ccedil;ais disponible.<\/strong><\/em><\/p>\n<div>\n<div aria-label=\"Messages de la conversation\" aria-describedby=\"_r_b3_\">\n<div>\n<div>\n<div aria-label=\"Message 10 sur 10\">\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<p>La banque africaine a d&eacute;j&agrave; saut&eacute; des &eacute;tapes. Mobile money, USSD et wallets ont touch&eacute; des millions de clients que les agences n&rsquo;avaient jamais atteints. Le secteur passe aujourd&rsquo;hui des canaux digitaux, o&ugrave; le client fait le travail, &agrave; la banque agentique, o&ugrave; des agents IA agissent pour les clients et les &eacute;quipes et m&egrave;nent des parcours entiers de bout en bout. Pour les banques angolaises et de la r&eacute;gion, l&rsquo;ouverture est strat&eacute;gique. Les &eacute;tablissements encore en cours de modernisation peuvent sauter des &eacute;tapes enti&egrave;res et b&acirc;tir d&rsquo;embl&eacute;e des fondations pr&ecirc;tes pour les agents. Le danger : greffer l&rsquo;IA sur des parcours d&eacute;faillants et des syst&egrave;mes v&eacute;tustes, et ne faire qu&rsquo;automatiser les frictions que les clients subissent d&eacute;j&agrave;. Des dirigeants bancaires et Backbase examinent ce que la banque agentique change pour les cinq prochaines ann&eacute;es.<\/p>\n<ul>\n<li>Quelle est la vraie diff&eacute;rence entre banque digitale et banque agentique, et pourquoi le conseil d&rsquo;administration doit-il s&rsquo;en saisir ?<\/li>\n<li>O&ugrave; les banques africaines peuvent-elles r&eacute;ellement prendre de l&rsquo;avance, et quels fondamentaux faut-il encore corriger d&rsquo;abord ?<\/li>\n<li>Que devient la fid&eacute;lit&eacute; client quand un agent IA choisit entre plusieurs banques, et quelle priorit&eacute; un CEO doit-il fixer pour les 12 &agrave; 18 prochains mois ?<\/li>\n<\/ul>\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<\/div>\n<\/div>\n<div aria-hidden=\"true\">&nbsp;<\/div>\n<\/div>\n<div aria-hidden=\"true\">&nbsp;<\/div><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F1qDIAfiTTwe7VN69fDZu_headshot-1792416963690.png\" alt=\"Amjad RAMAHI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Amjad RAMAHI<\/div>\n                      <div class=\"sb-job\">Directeur des Solutions techniques<\/div>                      <div class=\"sb-company\">Backbase<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"commercial-banking\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  10:30 \u2013 11:30                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Table ronde strat\u00e9gique | Bureaux de cr\u00e9dit et cr\u00e9ances douteuses : du d\u00e9sert de donn\u00e9es \u00e0 l&#039;oasis<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><strong>Acc&egrave;s uniquement via l'application de l'&eacute;v&egrave;nement ou sur invitation. Traduction fran&ccedil;ais - anglais - portugais disponible.&nbsp;<\/strong><\/p>\n<p>Renforcer les donn&eacute;es de cr&eacute;dit pourrait ouvrir la voie &agrave; une meilleure tarification du risque, une baisse des cr&eacute;ances douteuses et un financement accru du secteur priv&eacute;. Rares sont les march&eacute;s africains dot&eacute;s d'un syst&egrave;me de cr&eacute;dit pleinement op&eacute;rationnel - et quand il existe, il ne couvre que des donn&eacute;es MPME limit&eacute;es, selon l'IFC. Les donn&eacute;es mobiles alternatives commencent &agrave; s'y int&eacute;grer - MTN partage d&eacute;sormais les siennes avec Experian et TransUnion en Afrique du Sud &mdash; mais factures, mobile money et paiements commerciaux &eacute;chappent encore largement aux mod&egrave;les de scoring. Creditinfo Central Africa, lanc&eacute; en f&eacute;vrier, veut fluidifier le partage transfrontalier au sein de la CEMAC. Reste un probl&egrave;me de fond : des donn&eacute;es cloisonn&eacute;es et non standardis&eacute;es. Pr&ecirc;teurs, registres de cr&eacute;dit et fintechs examinent comment moderniser l'infrastructure de cr&eacute;dit du continent.<\/p>\n<p>Points cl&eacute;s<\/p>\n<ul>\n<li><strong>Int&eacute;grer sans risquer :<\/strong> comment les r&eacute;gulateurs peuvent-ils int&eacute;grer mobile money et donn&eacute;es de d&eacute;tail aux bureaux de cr&eacute;dit en toute s&eacute;curit&eacute; ?<\/li>\n<li><strong>Partage transfrontalier :<\/strong> quel cadre juridique et technique pour un &eacute;change s&eacute;curis&eacute; des donn&eacute;es de cr&eacute;dit entre pays ?<\/li>\n<li><strong>IA et inclusion :<\/strong> le scoring par IA peut-il r&eacute;duire les NPL sans exclure les emprunteurs historiquement non bancaris&eacute;s ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FX6ubuySiy54L7lEMngTQ_headshot-1791455556771.png\" alt=\"Uyi IZEKOR\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Uyi IZEKOR<\/div>\n                      <div class=\"sb-job\">Associ\u00e9 - Lead D\u00e9veloppement et Strat\u00e9gie Afrique de l&#039;Ouest<\/div>                      <div class=\"sb-company\">Deloitte Nigeria<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FfIZvtR6TR6mZ0JW6BSpd_headshot-1791908842318.png\" alt=\"Sidimohamed ABOUCHIKHI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Sidimohamed ABOUCHIKHI<\/div>\n                      <div class=\"sb-job\">PDG Maroc &amp; Directeur r\u00e9gional Afrique de l&#039;Ouest et du Nord<\/div>                      <div class=\"sb-company\">Cr\u00e9ditinfo<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FjtmCTRSTzWswL6e15UPB_headshot-1792577199732.png\" alt=\"Jeannine NAUDE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jeannine NAUDE<\/div>\n                      <div class=\"sb-job\">Vice Pr\u00e9sident - Responsable Afrique<\/div>                      <div class=\"sb-company\">TransUnion<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FU3JjFzkKRmmCLPPVL4Rq_headshot-1791362664267.png\" alt=\"Almamy 2 SYLLA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Almamy 2 SYLLA<\/div>\n                      <div class=\"sb-job\">Deuxi\u00e8me Vice-Gouverneur<\/div>                      <div class=\"sb-company\">Banque Centrale de la R\u00e9publique de Guin\u00e9e<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FzwwOZeeQFC5PDhRvfgow_Florence%20Boupda.jpg\" alt=\"Florence BOUPDA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Florence BOUPDA<\/div>\n                      <div class=\"sb-job\">Global Sector Manager, Financial Institutions Group (FIG), Banque et Assurance<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FQ163VkyT1ij5jHR1W3wV_headshot-1792675987202.png\" alt=\"Jos\u00e9 Carlos BURITY\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jos\u00e9 Carlos BURITY<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">BNI<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F3Qe7bKU3QFe2ExXBJUEw_headshot-1793112094341.jpg\" alt=\"Jardel DUARTE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jardel DUARTE<\/div>\n                      <div class=\"sb-job\">Directeur ex\u00e9cutif<\/div>                      <div class=\"sb-company\">BCI<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fix7JtkHlSHe7S6VPX5NM_headshot-1789997574497.png\" alt=\"M\u00e1rio FERREIRA DO NASCIMENTO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">M\u00e1rio FERREIRA DO NASCIMENTO<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sidente<\/div>                      <div class=\"sb-company\">Associa\u00e7\u00e3o Angolana de Bancos (ABANC)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F7pdPVN46TcxSxF1w3ywQ_headshot-1790590984752.png\" alt=\"Yvon SANA BANGUI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Chairperson\">\n                          Chairperson                        <\/div>\n                      \n                      <div class=\"sb-name\">Yvon SANA BANGUI<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">BEAC<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"business-case\"\n                   data-track=\"digital-fintech\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:30 \u2013 13:20                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Business Case | L&#039;IA dans les services financiers : comment rejoindre les 5 % les plus performants ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">Aujourd'hui, seuls 5 % des projets d'IA lanc&eacute;s par les entreprises dans le monde parviennent &agrave; g&eacute;n&eacute;rer un retour sur investissement. En Afrique, plus de la moiti&eacute; des banques font &eacute;tat de co&ucirc;ts de mise en &oelig;uvre &eacute;lev&eacute;s et de difficult&eacute;s &agrave; int&eacute;grer l'IA dans leurs syst&egrave;mes existants. Malgr&eacute; ces obstacles, la BAD estime que l'IA dans le secteur financier pourrait apporter 80 milliards de dollars &agrave; l'&eacute;conomie africaine d'ici 2035 - en am&eacute;liorant les parcours clients, la d&eacute;tection de la fraude et l'efficacit&eacute; op&eacute;rationnelle, et en renfor&ccedil;ant les d&eacute;cisions de cr&eacute;dit et d'investissement. Des institutions de premier plan partagent les usages les plus rentables que le secteur peut d&eacute;ployer d&egrave;s maintenant.<\/div>\n<div data-olk-copy-source=\"MessageBody\">&nbsp;<\/div>\n<div>\n<p><strong>Perspectives sectorielles<\/strong>&nbsp;<\/p>\n<\/div>\n<div>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:260,&quot;335559991&quot;:200,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"30\" data-aria-level=\"1\"><strong>Britam <\/strong>| L'IA dans l'assurance : am&eacute;liorer le traitement des sinistres et les d&eacute;cisions de tarification&nbsp;<\/li>\n<\/ul>\n<\/div>\n<div>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Calibri\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:260,&quot;335559991&quot;:200,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"31\" data-aria-level=\"1\"><strong>HPS <\/strong>| Exploiter l'IA dans les paiements et neutraliser la fraude dop&eacute;e &agrave; l'IA&nbsp;<\/li>\n<\/ul>\n<\/div>\n<div>\n<ul>\n<li><strong>Polytechs | <\/strong>Comment l'analyse par IA peut-elle aider les r&eacute;gulateurs &agrave; exploiter les grands volumes de donn&eacute;es ?<\/li>\n<li><strong>Sunu Group | <\/strong>Hyperpersonnaliser le service client par les chatbots sans perdre la dimension humaine<\/li>\n<li><strong>BFA | <\/strong>G&eacute;n&eacute;rer des gains d'efficacit&eacute; dans la banque de d&eacute;tail et la banque d'entreprise gr&acirc;ce &agrave; l'IA et &agrave; l'IA g&eacute;n&eacute;rative<\/li>\n<li><strong>Visa | <\/strong>De l&rsquo;ambition IA &agrave; la cr&eacute;ation de valeur<\/li>\n<\/ul>\n<\/div><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FgM067H8QfmfZ1WY9CzeM_headshot-1789374157400.png\" alt=\"Aymen MTIMET\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Aymen MTIMET<\/div>\n                      <div class=\"sb-job\">Associ\u00e9 - Conseil Industrie des services financiers, Responsable D\u00e9veloppement \u00e9conomique inclusif<\/div>                      <div class=\"sb-company\">Deloitte Afrique francophone<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F9TmakxjRMChU3U4ACOin_headshot-1788948211575.png\" alt=\"Tom GITOGO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Tom GITOGO<\/div>\n                      <div class=\"sb-job\">Directeur g\u00e9n\u00e9ral du groupe et CEO<\/div>                      <div class=\"sb-company\">Britam Holdings<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FDEKJM7YKRyiT5rPIc9H6_headshot-1788881956387.png\" alt=\"Abdeslam ALAOUI SMAILI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Abdeslam ALAOUI SMAILI<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">HPS<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FAdjHftqwQZGllhfb7Nu8_headshot-1788870460463.png\" alt=\"El Hadji Abdoul Aziz NDAO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">El Hadji Abdoul Aziz NDAO<\/div>\n                      <div class=\"sb-job\">Directeur des Syst\u00e8mes d&#039;Information<\/div>                      <div class=\"sb-company\">Polytechs Global<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FtOKar0x0QZGALCDORLFl_headshot-1792143057048.png\" alt=\"Roch GUINKO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Roch GUINKO<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">SUNU DigiTech<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FGKJ05ufjQ02W0yhL1gjE_headshot-1789558643304.png\" alt=\"Lu\u00eds Roberto Gon\u00e7alves\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Lu\u00eds Roberto Gon\u00e7alves<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Banco de Fomento Angola (BFA)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FNcwlAB7Rj6Tged9a90B1_headshot-1792746938251.jpg\" alt=\"Godfrey SULLIVAN\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Godfrey SULLIVAN<\/div>\n                      <div class=\"sb-job\">Senior Vice-pr\u00e9sident, Produits et Solutions, CEMEA<\/div>                      <div class=\"sb-company\">Visa<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"masterclass\"\n                   data-track=\"\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:30 \u2013 13:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Masterclass ASSECO : Comment les banques peuvent tirer parti de l&#039;IA, des donn\u00e9es et des \u00e9cosyst\u00e8mes pour d\u00e9velopper leurs activit\u00e9s bancaires destin\u00e9es aux PME \u2013 sans pour autant restructurer la banque<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div>La plupart des banques bien &eacute;tablies n&rsquo;ont ni le luxe, ni la n&eacute;cessit&eacute; de repartir de z&eacute;ro. Elles g&egrave;rent d&eacute;j&agrave; des environnements technologiques complexes, de multiples canaux, une vaste client&egrave;le et des d&eacute;cennies de donn&eacute;es transactionnelles pr&eacute;cieuses. Le d&eacute;fi consiste &agrave; transformer ces atouts en une plateforme moderne et intelligente, capable de prendre en charge la prochaine g&eacute;n&eacute;ration de services bancaires destin&eacute;s aux PME.<\/div>\n<div>&nbsp;<\/div>\n<div>&nbsp;<\/div>\n<div>Cette MasterClass explorera une voie de transformation pragmatique : connecter les syst&egrave;mes existants via des API, unifier les donn&eacute;es clients et m&eacute;tier, int&eacute;grer l&rsquo;IA dans les parcours clients et collaborateurs, orchestrer les processus de bout en bout et ouvrir progressivement la banque &agrave; des &eacute;cosyst&egrave;mes externes.<\/div>\n<div>&nbsp;<\/div>\n<div>Plut&ocirc;t que de se demander &laquo; Comment cr&eacute;er une nouvelle banque num&eacute;rique ? &raquo;, la question la plus pertinente pour les &eacute;tablissements &eacute;tablis est la suivante : &laquo; Comment rendre la banque dont nous disposons d&eacute;j&agrave; nettement plus intelligente, plus ouverte et plus adapt&eacute;e aux PME ? &raquo;<\/div><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FwBBYN3CiQIiXch7cxMxa_headshot-1790262787853.png\" alt=\"Daniel ARA\u00daJO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Daniel ARA\u00daJO<\/div>\n                      <div class=\"sb-job\">PDG<\/div>                      <div class=\"sb-company\">Asseco PST<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FbZszlfiSPaEwDVyFNemn_headshot-1790262845623.png\" alt=\"Marta MROZ-SIPIORA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Marta MROZ-SIPIORA<\/div>\n                      <div class=\"sb-job\">Dir\u00e9ctrice D\u00e9veloppement &amp; Innovation<\/div>                      <div class=\"sb-company\">Asseco<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FmQEXpDt7QmmRLg4CYHjR_headshot-1790262885476.png\" alt=\"Wojciech NOWAK\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Wojciech NOWAK<\/div>\n                      <div class=\"sb-job\">Directeur du Software Development<\/div>                      <div class=\"sb-company\">Asseco<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"commercial-banking\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:30 \u2013 13:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Table ronde strat\u00e9gique | Transferts de la diaspora : rapatrier les 5 milliards de dollars qui \u00e9chappent \u00e0 l&#039;Afrique<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur inscription via l&rsquo;application de l&rsquo;&eacute;v&eacute;nement ou sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\n<p>L'Afrique perdrait environ 5 milliards de dollars par an &agrave; cause du co&ucirc;t &eacute;lev&eacute; des transferts transfrontaliers : envoyer 200 dollars y co&ucirc;te 8,46 % en moyenne, contre 6,36 % au niveau mondial, faisant de l'Afrique subsaharienne la r&eacute;gion la plus ch&egrave;re au monde pour les transferts de fonds. Un paiement du Kenya vers le Nigeria transite encore par le dollar, ajoutant frais de conversion et contr&ocirc;les de conformit&eacute;. PAPSS relie 28 pays et plus de 190 banques, mais peu de banques commerciales y participent r&eacute;ellement, frein&eacute;es par la fragmentation des agr&eacute;ments, la prudence des banques centrales et des d&eacute;s&eacute;quilibres de bilan. Alors que les flux de la diaspora d&eacute;passent les IDE dans une grande partie du continent, comment garder ces fonds en Afrique ?<\/p>\n<p><strong>Points cl&eacute;s<\/strong><\/p>\n<ul>\n<li>Que faudrait-il aux banques, techniquement et financi&egrave;rement, pour permettre un r&egrave;glement en monnaie locale ?<\/li>\n<li>Pourquoi les banques centrales tardent-elles &agrave; s'engager dans PAPSS ?<\/li>\n<li>Quel corridor pourrait pionnier un passeport r&eacute;glementaire pour les transferts de fonds ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FZXXO2LsTnKT03gsqeGNe_default-file-transformed.png\" alt=\"Aruoture ODDIRI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Aruoture ODDIRI<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sentateur TV<\/div>                      <div class=\"sb-company\">Arise TV<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F8yaWRW4LQT2hukx4XrdX_headshot-1793119888197.png\" alt=\"Jean-Claude Kassi BROU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jean-Claude Kassi BROU<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">BCEAO<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FXPMCzoY7QuG4gssK1F6G_headshot-1789122340639.png\" alt=\"Premier OIWOH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Premier OIWOH<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral &amp; CEO<\/div>                      <div class=\"sb-company\">Nigeria Inter-Bank Settlement System (NIBSS)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FrvBc4wxjTKen39mqN0S3_headshot-1789488680923.png\" alt=\"Imane CHARIOUI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Imane CHARIOUI<\/div>\n                      <div class=\"sb-job\">Vice-pr\u00e9sidente du d\u00e9veloppement du r\u00e9seau \u2013 Afrique<\/div>                      <div class=\"sb-company\">Thunes<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FYa3Ws38HSfaRHucNF2ya_headshot-1791807507463.png\" alt=\"Ary NAIM\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ary NAIM<\/div>\n                      <div class=\"sb-job\">Directeur de la division Afrique du Nord et Corne de l\u2019Afrique<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F4rmFiddBRoWXHY4LoN9x_headshot-1790261879259.png\" alt=\"Nosa Boniface AWUSA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Nosa Boniface AWUSA<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">Paramount Bank Kenya<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F1fDYxmVTfmcnlTcFwgG2_headshot-1792750036400.png\" alt=\"Cheikh DIBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Cheikh DIBA<\/div>\n                      <div class=\"sb-job\">Ministre de l\u2019Economie, des Finances et du Plan<\/div>                      <div class=\"sb-company\">R\u00e9publique du S\u00e9n\u00e9gal<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FITbjccQVSgWAmnz6a4Jd_headshot-1793095077951.png\" alt=\"Chidozie ARINZE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Chidozie ARINZE<\/div>\n                      <div class=\"sb-job\">Directeur - Afrique de l&#039;ouest et Afrique centrale<\/div>                      <div class=\"sb-company\">Visa<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"capital-markets\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:50 \u2013 13:10                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Table-ronde strat\u00e9gique | Capital patient cherche industrie africaine : comment r\u00e9concilier les deux ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">\n<p><em><strong>Acc&egrave;s sur inscription via l&rsquo;application de l&rsquo;&eacute;v&eacute;nement ou sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\nL'Afrique a &eacute;t&eacute; la seule r&eacute;gion au monde &agrave; enregistrer une hausse des op&eacute;rations de capital-investissement en 2025, de 8 %. Mais l'agro-transformation et l'industrie manufacturi&egrave;re restent sous-financ&eacute;es &mdash; les flux vont principalement aux fintechs et aux technologies de l'information. Quelques fonds ciblent d&eacute;j&agrave; ces secteurs, comme Amethis Fund III, SPE PEF III et Phatisa Food Fund 3, mais &eacute;voluent dans un paysage o&ugrave; les IFD repr&eacute;sentent 64 % des fonds lev&eacute;s et le capital patient reste rare. Rendements longs, volatilit&eacute; des devises, sorties incertaines : comment attirer investisseurs priv&eacute;s africains et internationaux vers la transformation industrielle du continent ?<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Capter les LP africains :<\/strong>&nbsp;comment concevoir des fonds ax&eacute;s sur l'industrialisation pour mobiliser une part des 775 milliards de dollars des fonds de pension et d'assurance du continent ?<\/li>\n<li><strong>Les IFD, catalyseurs ou substituts ?<\/strong>&nbsp;Quand leur capital lib&egrave;re-t-il l'investissement priv&eacute; &mdash; et quand s'y substitue-t-il ?<\/li>\n<li><strong>Trouver la sortie :<\/strong> les IPO ne repr&eacute;sentant que 5 % des sorties, quelles voies alternatives rendraient ces investissements attractifs pour les investisseurs priv&eacute;s ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F8akc7g5uTnqhgeNF5aUT_headshot-1791288973299.png\" alt=\"Paulo MOREIRA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Paulo MOREIRA<\/div>\n                      <div class=\"sb-job\">Directeur Pays<\/div>                      <div class=\"sb-company\">Forvis Mazars Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FnFzzfzyXTXGmS5K16OTk_headshot-1788881989284.png\" alt=\"Sofiane LAHMAR\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Sofiane LAHMAR<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">DPI<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FjaH3ZhvTyaOmdQXGAm74_headshot-1787308763977.jpg\" alt=\"Marieke GEURTS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Marieke GEURTS<\/div>\n                      <div class=\"sb-job\">Directrice G\u00e9n\u00e9rale<\/div>                      <div class=\"sb-company\">Amethis Afrique du Sud <\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F1gwppiSCTAy4Uf9P3UIy_headshot-1788948013709.png\" alt=\"Walter PACHECO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Walter PACHECO<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Kassai Capital<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FTiK8lE7MQuy5QYHEaaR8_headshot-1792767296258.png\" alt=\"Dr Andrew AMANKWAH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr Andrew AMANKWAH<\/div>\n                      <div class=\"sb-job\">Directeur, D\u00e9partement de la tr\u00e9sorerie et de la mobilisation des ressources  <\/div>                      <div class=\"sb-company\">Banque d&#039;Investissement et de D\u00e9veloppement de la CEDEAO (BIDC)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FeKyrlCEWRlWMND9IF0Jd_headshot-1788948033718.png\" alt=\"Karin OSZUSZKY\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Karin OSZUSZKY<\/div>\n                      <div class=\"sb-job\">Directrice d\u2019investissement<\/div>                      <div class=\"sb-company\">OPEC Fund for International Development<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fum0Ansk0SYOI3WHxL9fK_headshot-1789551913112.png\" alt=\"Armando MANUEL\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Armando MANUEL<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident du Conseil d&#039;Administration<\/div>                      <div class=\"sb-company\">Fonds souverain d&#039;Angola (FSDEA)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FIeAA11nPTkmrZTUx44P5_headshot-1791809330813.png\" alt=\"Mary-Jean MOYO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Mary-Jean MOYO<\/div>\n                      <div class=\"sb-job\">Directrice de la division Afrique de l\u2019Est<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FkJs6SwOTTQOQ6sKVvq9e_headshot-1791968802254.png\" alt=\"Ousmane FALL\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ousmane FALL<\/div>\n                      <div class=\"sb-job\">Directeur du D\u00e9partement des op\u00e9rations non souveraines et de l&#039;appui au secteur priv\u00e9<\/div>                      <div class=\"sb-company\">Banque Africaine de D\u00e9veloppement (BAD)<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"conversation-with\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  11:50 \u2013 12:10                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Straight talk, avec Jeune Afrique &amp; The Africa Report  L\u2019\u00ab IMPACT BANKING \u00bb, UN SIMPLE SLOGAN ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>Les banques panafricaines font face &agrave; une double exigence : assurer des rendements solides pour leurs actionnaires tout en jouant leur r&ocirc;le de moteur &eacute;conomique du continent. Le nouveau classement des &laquo; 300 champions de la finance &raquo; &eacute;tabli par Jeune Afrique et The Africa Report met en &eacute;vidence cette tension entre performance financi&egrave;re et impact &eacute;conomique : il montre notamment que les banques les plus rentables ne sont pas forc&eacute;ment celles qui contribuent le plus au d&eacute;veloppement. Comment les banquiers africains peuvent-ils concilier rentabilit&eacute;, gestion des risques et soutien aux grandes entreprises, aux PME et aux projets d&rsquo;infrastructures strat&eacute;giques ? Et comment rester comp&eacute;titifs tout en contribuant durablement &agrave; la croissance du continent ?<\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FrMnD2BUmS5SmfSieCBHs_transformed-1779962714982.png\" alt=\"Nicholas NORBROOK\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Nicholas NORBROOK<\/div>\n                      <div class=\"sb-job\">R\u00e9dacteur en chef<\/div>                      <div class=\"sb-company\">The Africa Report<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FZJu8AgyuS8O0ch7jXMBJ_Charles%20RUSSON.jpeg.png\" alt=\"Charles RUSSON\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Charles RUSSON<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral R\u00e9gions Africaines<\/div>                      <div class=\"sb-company\">Absa Group<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"insurance\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  12:00 \u2013 13:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Table ronde strat\u00e9gique | Du quasi-z\u00e9ro au levier : les assureurs africains peuvent-ils financer les infrastructures ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">\n<p><em><strong>Acc&egrave;s sur inscription via l&rsquo;application de l&rsquo;&eacute;v&eacute;nement ou sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\nLe secteur africain de l'assurance d&eacute;tient environ 441 milliards de dollars d'actifs, contre 42 000 milliards pour le secteur mondial. Les engagements de longue dur&eacute;e des assureurs vie les rendent pourtant bien adapt&eacute;s aux projets d'infrastructure. Leur allocation aux infrastructures s'&eacute;tablit &agrave; environ 1 % au niveau mondial et est estim&eacute;e &laquo; quasi nulle &raquo; en Afrique hors Afrique du Sud, la dette souveraine restant l'actif privil&eacute;gi&eacute;. Exigences de fonds propres, risques de liquidit&eacute;, absence d'instruments adapt&eacute;s et risques li&eacute;s aux projets maintiennent les assureurs en marge. Une table ronde r&eacute;unissant assureurs, r&eacute;gulateurs et d&eacute;veloppeurs d'infrastructures examine comment cr&eacute;er les conditions d'un engagement r&eacute;el.<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Les bons instruments :<\/strong>&nbsp;garanties, tranches de premi&egrave;re perte, obligations de projet &mdash; lesquels am&eacute;lioreraient r&eacute;ellement le profil rendement-risque des assureurs ?<\/li>\n<li><strong>Le mod&egrave;le Sun King :<\/strong>&nbsp;la finance mixte avec capital concessionnel de premi&egrave;re perte a d&eacute;bloqu&eacute; 80 millions de dollars en naira pour le Nigeria en 2025. Reproductible ailleurs ?<\/li>\n<li><strong>R&eacute;former le cadre prudentiel :<\/strong> quelles &eacute;volutions r&eacute;glementaires permettraient aux assureurs africains d'allouer davantage aux infrastructures sans franchir leurs limites ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FZ8Wr5nkTPyS7SNiC1nDf_Asmae%20KADDOURI.jpeg.png\" alt=\"Asmae  KADDOURI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Asmae  KADDOURI<\/div>\n                      <div class=\"sb-job\">Journaliste \u00e9conomique<\/div>                      <div class=\"sb-company\">Africa Business+<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FNnFQrVK0SCSAJMb74dUQ_headshot-1788860338353.png\" alt=\"Richard LOWE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Richard LOWE<\/div>\n                      <div class=\"sb-job\">Fondateur et pr\u00e9sident<\/div>                      <div class=\"sb-company\">Groupe Activa Assurances<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FCYcNcq4QsqJ1plS5kWtS_headshot-1790671408426.png\" alt=\"Helena CHICUBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Helena CHICUBA<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sidente<\/div>                      <div class=\"sb-company\">ENSA<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FuerTvLj0THSWSLOSHZQS_headshot-1791802358300.jpg\" alt=\"Sameh WAHBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Sameh WAHBA<\/div>\n                      <div class=\"sb-job\">Directeur de la division Afrique de l\u2019Ouest<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FckVJN2M3TUdhvVBjEMpg_headshot-1792410887923.png\" alt=\"Olamide OLAJOLO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Olamide OLAJOLO<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">Coronation Insurance<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FgNFSo6SeSYCrf1WBVVK1_headshot-1792412894661.jpg\" alt=\"St\u00e9phane DEFO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">St\u00e9phane DEFO<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Horus Investment Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Famm1zLpkRNO257Nhoh2N_headshot-1792397747632.png\" alt=\"Victor Hugo GUILHERME\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Chairperson\">\n                          Chairperson                        <\/div>\n                      \n                      <div class=\"sb-name\">Victor Hugo GUILHERME<\/div>\n                      <div class=\"sb-job\">Ministre de la Planification<\/div>                      <div class=\"sb-company\">R\u00e9publique d&#039;Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FWkDfxLovSEiabGByEzzF_headshot-1793035938599.jpg\" alt=\"Ricardo VIEGAS DE ABREU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Chairperson\">\n                          Chairperson                        <\/div>\n                      \n                      <div class=\"sb-name\">Ricardo VIEGAS DE ABREU<\/div>\n                      <div class=\"sb-job\">Ministre des Transports<\/div>                      <div class=\"sb-company\">R\u00e9publique d&#039;Angola<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"panel\"\n                   data-track=\"capital-markets\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  12:10 \u2013 13:10                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel | Au-del\u00e0 de l&#039;interconnexion des march\u00e9s : des cotations harmonis\u00e9es pour lib\u00e9rer la liquidit\u00e9 transfrontali\u00e8re ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">Trois ans apr&egrave;s son lancement, l'African Exchanges Linkage Project n'a g&eacute;n&eacute;r&eacute; que 21 transactions et 6 160 actions &eacute;chang&eacute;es, pour une valeur de 8 670 dollars au 1er janvier 2026. Les Bourses africaines restent fragment&eacute;es &mdash; r&egrave;gles de cotation, normes de publication et syst&egrave;mes de r&egrave;glement diff&eacute;rents limitent l'investissement transfrontalier. L'essentiel des transactions sur actions et obligations demeure domestique. Alors que les groupes panafricains cherchent &agrave; lever des capitaux dans plusieurs juridictions simultan&eacute;ment, comment les Bourses peuvent-elles r&eacute;duire les co&ucirc;ts li&eacute;s aux cotations multiples et la complexit&eacute; r&eacute;glementaire ?<\/div>\n<div data-olk-copy-source=\"MessageBody\">&nbsp;<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Reconnaissance mutuelle :<\/strong>&nbsp;jusqu'o&ugrave; les Bourses devraient-elles aller sur les cotations, prospectus et codes de gouvernance ?<\/li>\n<li><strong>Attirer les grands &eacute;metteurs :<\/strong>&nbsp;quelles incitations pousseraient entreprises et investisseurs &agrave; traiter les valeurs africaines comme une classe d'actifs int&eacute;gr&eacute;e ?<\/li>\n<li><strong>Plomberie commune :<\/strong> quelles normes technologiques et de donn&eacute;es relier la n&eacute;gociation, la compensation et les d&eacute;positaires centraux &agrave; travers plusieurs march&eacute;s ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FugVGxZjSLelJj56lEj0g_headshot-1791450816725.jpg\" alt=\"Gugulethu MFUPHI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Gugulethu MFUPHI<\/div>\n                      <div class=\"sb-job\">Animatrice prim\u00e9e \u00e0 plusieurs reprises<\/div>                                          <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg xmlns=%27http:\/\/www.w3.org\/2000\/svg%27 width=%2744%27 height=%2744%27%3E%3Crect width=%2744%27 height=%2744%27 fill=%27%23e6e9ec%27\/%3E%3C\/svg%3E\" alt=\"\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Abimbola OGUNDARE<\/div>\n                      <div class=\"sb-job\">Associ\u00e9e - Strat\u00e9gie et Transactions \u2013 Responsable du secteur des services financiers, Afrique de l\u2019Ouest<\/div>                      <div class=\"sb-company\">Deloitte Nigeria<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fj4OtjAE9Td2VZmCHQw9u_headshot-1788882161219.png\" alt=\"Nasser SEDDIQI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Nasser SEDDIQI<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Bourse de Casablanca<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FG7wbm7ULQ6qrIMCtRemG_headshot-1789562664475.png\" alt=\"Cristina DIAS LOUREN\u00c7O\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Cristina DIAS LOUREN\u00c7O<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Bourse de valeurs de l&#039;Angola (BODIVA)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FE6jMgmBrSm60DAG534R0_Felix%20amenounve.jpg\" alt=\"Felix AMENOUNVE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Felix AMENOUNVE<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">BRVM<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F5t7zjKxDRFmLXIXp1ZCg_headshot-1791984487205.png\" alt=\"Wyckliffe SHAMIAH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Wyckliffe SHAMIAH<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Capital Markets Authority of Kenya<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"insurance\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:20 \u2013 15:40                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Table ronde strat\u00e9gique | Assurance indicielle agricole : enfin \u00e0 la bonne \u00e9chelle ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">\n<p><em><strong>Acc&egrave;s sur inscription via l&rsquo;application de l&rsquo;&eacute;v&eacute;nement ou sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\n<\/div>\n<div data-olk-copy-source=\"MessageBody\">Entre 2008 et 2019, les chocs climatiques ont endommag&eacute; un tiers des parcelles agricoles africaines, d&eacute;courageant les banques commerciales de pr&ecirc;ter aux petits exploitants. L'assurance indicielle, d&eacute;clench&eacute;e par des seuils de pluviom&eacute;trie ou de rendement, pourrait prot&eacute;ger les agriculteurs &mdash; les catastrophes naturelles ont co&ucirc;t&eacute; 3 milliards de dollars &agrave; l'Afrique en 2025 &mdash; et r&eacute;duire le risque des pr&ecirc;ts. Mais l'adoption reste &laquo; d'une faiblesse d&eacute;cevante &raquo;, selon une &eacute;tude de la Banque mondiale de juillet 2025, surtout sans subventions publiques. Des ONG ont point&eacute; de &laquo; graves d&eacute;fauts &raquo; dans les seuils de d&eacute;clenchement, apr&egrave;s l'absence de versements au Malawi en 2016 malgr&eacute; des pertes de r&eacute;coltes g&eacute;n&eacute;ralis&eacute;es. Assureurs, banquiers et agtechs examinent comment d&eacute;ployer une assurance indicielle abordable gr&acirc;ce &agrave; des seuils plus fiables et une distribution par smartphone.<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Distribuer autrement :<\/strong>&nbsp;comment int&eacute;grer l'assurance indicielle &agrave; des lignes de cr&eacute;dit accessibles par smartphone ?<\/li>\n<li><strong>L'&eacute;quation publique-priv&eacute;e :<\/strong>&nbsp;quels m&eacute;canismes pour subventionner les primes et d&eacute;ployer des donn&eacute;es satellitaires fiables &agrave; grande &eacute;chelle ?<\/li>\n<li><strong>Le risque de base :<\/strong> comment garantir que les indemnit&eacute;s refl&egrave;tent fid&egrave;lement l'impact climatique r&eacute;el sur les exploitations ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F8dsMYJ2mQ1OPuCgH5AlN_Leanne%20DE%20BASSOMPIERRE.jpeg.png\" alt=\"Leanne  DE BASSOMPIERRE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Leanne  DE BASSOMPIERRE<\/div>\n                      <div class=\"sb-job\">Journaliste<\/div>                      <div class=\"sb-company\">The Africa Report<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F6fHN2LeQ5qTQVFyHGP1Z_headshot-1792662643638.jpg\" alt=\"Patty K-MARTIN\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Patty K-MARTIN<\/div>\n                      <div class=\"sb-job\">Directrice G\u00e9n\u00e9rale<\/div>                      <div class=\"sb-company\">NamibRe<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F9Dx0j0ZS8PccbiNMv2QQ_headshot-1791288530000.png\" alt=\"Dr. C\u00e9sar MARCELINO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. C\u00e9sar MARCELINO<\/div>\n                      <div class=\"sb-job\">Directeur - Bureau des \u00e9tudes strat\u00e9giquers et de la planification<\/div>                      <div class=\"sb-company\">ARSEG<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FNkxb5c0SaiqMBLCbyVA3_headshot-1793098613604.jpg\" alt=\"David MASLO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">David MASLO<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">African Risk Capacity Ltd.<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"workshop\"\n                   data-track=\"impact-sustainability\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:20 \u2013 15:50                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Atelier Women In Finance | Plus de femmes investisseuses : pourquoi les entreprises qu\u2019elles dirigent restent-elles peu financ\u00e9es ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">Les femmes occupent 33 % des si&egrave;ges des comit&eacute;s d'investissement en Afrique, pr&egrave;s de trois fois la moyenne mondiale. Pourtant, les entrepreneures africaines n'ont re&ccedil;u que 0,9 % des 3,2 milliards de dollars investis dans les start-ups du continent en 2025 &mdash; leur plus faible part en quatre ans. Et ce malgr&eacute; un constat : les fonds dont les comit&eacute;s sont majoritairement f&eacute;minins consacrent pr&egrave;s de la moiti&eacute; de leurs portefeuilles &agrave; des entreprises dirig&eacute;es par des femmes. L'Afrique a progress&eacute; sur qui alloue les capitaux, sans r&eacute;duire les in&eacute;galit&eacute;s dans leur distribution. Si les femmes prennent une place croissante dans les d&eacute;cisions d'investissement, pourquoi les entreprises qu'elles dirigent en b&eacute;n&eacute;ficient-elles si peu ?<\/div><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FhDRDJKqSI2aFdDAYxd9V_headshot-1789997957033.png\" alt=\"Chimdi ONWUDIEGWU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Chimdi ONWUDIEGWU<\/div>\n                      <div class=\"sb-job\">Associ\u00e9e<\/div>                      <div class=\"sb-company\">Dalberg Advisors<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FzjJAKRDSQWOTn215B8PU_headshot-1790586997394.png\" alt=\"H.E. Vera DAVES DE SOUSA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">H.E. Vera DAVES DE SOUSA<\/div>\n                      <div class=\"sb-job\">Ministre des Finances<\/div>                      <div class=\"sb-company\">R\u00e9publique d&#039;Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fn71Lv2ZHSvyjKW01hr1A_default-file-transformed.png\" alt=\"Luzana COSTA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Luzana COSTA<\/div>\n                      <div class=\"sb-job\">Partenaire<\/div>                      <div class=\"sb-company\">Norrsken Africa Seed Fund<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FjLis7IQ2Sd67ytME462T_headshot-1792584626668.png\" alt=\"Vera-Marie AYITEY-SMITH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Vera-Marie AYITEY-SMITH<\/div>\n                      <div class=\"sb-job\">Directrice - Ellevate<\/div>                      <div class=\"sb-company\">Ecobank<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"impact-sustainability\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:20 \u2013 15:20                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Lead Working Group | De l&#039;acc\u00e8s au &quot;bien-\u00eatre&quot; financier : repenser la r\u00e9gulation<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p><em><strong>Acc&egrave;s sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\n<p>Les strat&eacute;gies nationales d'inclusion financi&egrave;re - &agrave; l'image du plan kenyan 2025-2028 - ne visent plus seulement l'acc&egrave;s, mais la preuve que les m&eacute;nages en tirent un b&eacute;n&eacute;fice r&eacute;el, via des services diversifi&eacute;s, abordables et de qualit&eacute;. Combler les lacunes r&eacute;glementaires de la finance num&eacute;rique non bancaire sera au c&oelig;ur de cette r&eacute;orientation. Les r&eacute;gulateurs avancent sur plusieurs fronts : KYC et gouvernance fintech renforc&eacute;s, cadres pour les actifs virtuels, garanties alternatives pour le cr&eacute;dit num&eacute;rique, finance ouverte pour r&eacute;duire co&ucirc;ts de transfert et cloisonnement des plateformes. Sous l'&eacute;gide de LEAD, ce groupe de travail r&eacute;unit r&eacute;gulateurs et secteur priv&eacute; pour aligner les priorit&eacute;s de ces r&eacute;formes.<\/p>\n<p>Points cl&eacute;s<\/p>\n<ul>\n<li><strong>D&eacute;finir la sant&eacute; financi&egrave;re :<\/strong> quels indicateurs retenir pour mesurer que les m&eacute;nages progressent r&eacute;ellement - et &agrave; quelle fr&eacute;quence ?<\/li>\n<li><strong>Lacunes r&eacute;glementaires :<\/strong> e-KYC, actifs virtuels, finance ouverte - quelles sont les principales zones grises selon le secteur priv&eacute; ?<\/li>\n<li><strong>Le&ccedil;ons des strat&eacute;gies pass&eacute;es :<\/strong> qu'est-ce qui incite vraiment &agrave; investir dans l'informel et &agrave; construire une culture de l'&eacute;pargne ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fh1c21c5Qpilyv83o9J9g_default-file-transformed.png\" alt=\"Jennifer ZABASAJJA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Jennifer ZABASAJJA<\/div>\n                      <div class=\"sb-job\">Correspondante et Pr\u00e9sentatrice<\/div>                      <div class=\"sb-company\">Bloomberg TV<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fj7IBDHcASEuhXXA8eJI1_headshot-1790932008638.png\" alt=\"Ebson UANGUTA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ebson UANGUTA<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Bank of Namibia<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FDIMAsTBR7SiolInUkqRP_headshot-1791820315079.jpg\" alt=\"Aminata KANE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Aminata KANE<\/div>\n                      <div class=\"sb-job\">Vice Gouverneure<\/div>                      <div class=\"sb-company\">Banque Centrale de Mauritanie<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FTnH8mKcgQMOJ2txPilKG_headshot-1791989010771.png\" alt=\"Jamal FOFANA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jamal FOFANA<\/div>\n                      <div class=\"sb-job\">Associ\u00e9 - Banque &amp; Finance<\/div>                      <div class=\"sb-company\">ASAFO &amp; CO<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F4U6WG3C5RDWwOCdpxMcw_headshot-1792137435620.jpg\" alt=\"Dr. Yousef PADGANEH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. Yousef PADGANEH<\/div>\n                      <div class=\"sb-job\">Vice-pr\u00e9sident ex\u00e9cutif \u2013 Directeur des risques du Groupe<\/div>                      <div class=\"sb-company\">Bank of Khartoum<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fq69c0aMpQQSLvMuWDEi7_headshot-1792159048099.jpg\" alt=\"Philippe DAHOUI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Philippe DAHOUI<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral du Secteur Financier<\/div>                      <div class=\"sb-company\">Minist\u00e8re de l\u2019\u00c9conomie et des Finances du B\u00e9nin<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FNQ9JPO5nSbPOQzktcT1p_headshot-1792591133838.png\" alt=\"Dani\u00e8le REMANDA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dani\u00e8le REMANDA<\/div>\n                      <div class=\"sb-job\">Senior Manager Carbone D\u00e9veloppement Durable &amp; ESG<\/div>                      <div class=\"sb-company\">ARISE IIP<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FDZpszaSdQ8OMeS1dX1xf_headshot-1788948122603.png\" alt=\"Denny H. KALYALYA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Chairperson\">\n                          Chairperson                        <\/div>\n                      \n                      <div class=\"sb-name\">Denny H. KALYALYA<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banque Centrale de Zambie<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"conversation-with\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:20 \u2013 14:50                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Conversation With | Polycrise : l&#039;Afrique peut-elle tenir le cap ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>Le FMI a abaiss&eacute; sa pr&eacute;vision de croissance pour l'Afrique subsaharienne en 2026 de 4,5 % &agrave; 4,3 %, la situation au Moyen-Orient ayant &laquo; assombri les perspectives &raquo;. L'institution appelle &agrave; d&eacute;velopper le financement en monnaie locale, &agrave; renforcer les syst&egrave;mes d'information sur le cr&eacute;dit et &agrave; consolider les coussins de capital des banques - tout en alertant sur une exposition croissante &agrave; la dette souveraine susceptible de &laquo; pr&eacute;cipiter des crises financi&egrave;res &raquo;. Dans le m&ecirc;me temps, le continent acc&eacute;l&egrave;re sa diversification hors dollar : l'Angola autorise le yuan dans les r&eacute;serves de change, Afreximbank a &eacute;mis son premier Panda bond, PAPSS poursuit son expansion, et la RDC pr&eacute;voit d'interdire le cash en dollars d&egrave;s 2027. Le directeur Afrique du FMI dit ce qu'il faudra vraiment pour concr&eacute;tiser un mod&egrave;le de croissance tir&eacute; par le secteur priv&eacute; qui, selon l'institution elle-m&ecirc;me, &laquo; peine toujours &agrave; se mat&eacute;rialiser &raquo;.<\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FugVGxZjSLelJj56lEj0g_headshot-1791450816725.jpg\" alt=\"Gugulethu MFUPHI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Gugulethu MFUPHI<\/div>\n                      <div class=\"sb-job\">Animatrice prim\u00e9e \u00e0 plusieurs reprises<\/div>                                          <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F9Sis1fxCSmCCj2LU7ynu_headshot-1792684076687.png\" alt=\"Pierre GAUTIER\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Pierre GAUTIER<\/div>\n                      <div class=\"sb-job\">Directeur - March\u00e9s \u00e9mergents<\/div>                      <div class=\"sb-company\">S&amp;P Global<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FLt1dLpgT9C2FEVNtyA70_headshot-1784622858592.jpg\" alt=\"Zeine ZEIDANE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Zeine ZEIDANE<\/div>\n                      <div class=\"sb-job\">Directeur du D\u00e9partement Afrique<\/div>                      <div class=\"sb-company\">Fonds mon\u00e9taire international (FMI)<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"panel\"\n                   data-track=\"impact-sustainability\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:20 \u2013 15:20                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel | Capital africain : de la r\u00e9serve \u00e0 la ressource<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>PME, adaptation climatique, entrepreneuriat f&eacute;minin, infrastructures : les besoins de financement s'intensifient alors que la marge budg&eacute;taire se resserre. L'Afrique dispose pourtant de milliers de milliards de dollars d'actifs domestiques - fonds de pension, assureurs, fonds souverains - mais l'essentiel reste immobilis&eacute; dans des titres d'&Eacute;tat &agrave; faible rendement, plut&ocirc;t que d'irriguer infrastructures, &eacute;nergie, agro-industrie, sant&eacute; ou industrie &agrave; valeur ajout&eacute;e. Des march&eacute;s de capitaux profonds et innovants sont indispensables pour r&eacute;duire le co&ucirc;t du capital et le mobiliser &agrave; l'&eacute;chelle qu'exige le d&eacute;veloppement du continent.<\/p>\n<p>Points cl&eacute;s<\/p>\n<ul>\n<li><strong>Lever les obstacles :<\/strong> cadre r&eacute;glementaire, acc&egrave;s aux donn&eacute;es, co&ucirc;ts de transaction, pipeline de projets viables - qu'est-ce qui bloque vraiment le capital institutionnel africain ?<\/li>\n<li><strong>R&eacute;former pour mobiliser :<\/strong> quelles priorit&eacute;s pour r&eacute;gulateurs et acteurs du secteur afin de canaliser le capital domestique vers les secteurs productifs ?<\/li>\n<li><strong>Changer d'&eacute;chelle :<\/strong> quels enseignements tirer des instruments de march&eacute; innovants qui gagnent du terrain en Afrique - et comment les r&eacute;pliquer pour cr&eacute;er des emplois ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FeLe8aNhDQ0yEW98dFJUt_headshot-1791203504839.png\" alt=\"G\u00f6khan KONT\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">G\u00f6khan KONT<\/div>\n                      <div class=\"sb-job\">Responsable r\u00e9gional Industrie, Institutions financi\u00e8res (FIG) : Afrique du Nord, Corne de l\u2019Afrique, Ethiopie, Zambie &amp; Malawi<\/div>                      <div class=\"sb-company\">Groupe des institutions financi\u00e8res (FIG)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FdoqooRCAQauanQw6FYDz_C%C3%A9saire%20Meh.jpg\" alt=\"C\u00e9saire MEH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">C\u00e9saire MEH<\/div>\n                      <div class=\"sb-job\">Manager de Risque macro\u00e9conomique et de march\u00e9<\/div>                      <div class=\"sb-company\">IFC<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPuQlCR4QQeebHLbapysq_headshot-1790602183865.png\" alt=\"Francisca FERR\u00c3O COSTA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Francisca FERR\u00c3O COSTA<\/div>\n                      <div class=\"sb-job\">Vice-Pr\u00e9sidente du conseil d&#039;administration<\/div>                      <div class=\"sb-company\">BFA Capital Markets<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F9OlhTJ1TQnKh4vcyZgj4_headshot-1792657522284.png\" alt=\"Aziz CHACHA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Aziz CHACHA<\/div>\n                                            <div class=\"sb-company\">NMB Bank<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FguhBy994Q4qzVMjbGhA6_headshot-1789648492331.png\" alt=\"Kossi TENOU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Kossi TENOU<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident<\/div>                      <div class=\"sb-company\">AMF-UMOA<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FtvpcrD6ZQqGzozFv3oqq_headshot-1792681183044.png\" alt=\"Jos\u00e9 Antonio ALVAREZ\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jos\u00e9 Antonio ALVAREZ<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident<\/div>                      <div class=\"sb-company\">Inbonis<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"panel\"\n                   data-track=\"capital-markets\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  14:50 \u2013 15:50                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel | Dix dollars priv\u00e9s pour un dollar public : r\u00e8gle d&#039;or ou v\u0153u pieux ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">Chaque dollar public lev&eacute; pour l'Afrique devrait en attirer dix du secteur priv&eacute;. Deux r&eacute;servoirs de capitaux s&eacute;parent l'ambition de la r&eacute;alit&eacute;. Les investisseurs institutionnels internationaux demeurent r&eacute;ticents malgr&eacute; trente ans de donn&eacute;es GEM situant le taux de d&eacute;faut du cr&eacute;dit priv&eacute; en Afrique subsaharienne &agrave; 6,05 % et les taux de recouvrement &agrave; 78 %. Les investisseurs institutionnels africains, quant &agrave; eux, r&eacute;pondent rationnellement aux incitations : les rendements &eacute;lev&eacute;s de la dette souveraine surpassent ceux des march&eacute;s encore &eacute;troits du cr&eacute;dit priv&eacute; et des actions non cot&eacute;es. Le mod&egrave;le KEPFIC au Kenya et la CNPS ivoirienne montrent ce qui se produit lorsque le capital domestique dispose des structures pour se d&eacute;ployer. Que faudrait-il pour d&eacute;bloquer ces deux r&eacute;servoirs &agrave; la fois ?<\/div>\n<div data-olk-copy-source=\"MessageBody\">&nbsp;<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>R&eacute;&eacute;valuer le risque :<\/strong>&nbsp;garanties, r&eacute;forme des notations, transparence &mdash; quelle combinaison convaincra enfin les investisseurs internationaux que les donn&eacute;es africaines sont fiables ?<\/li>\n<li><strong>Mobiliser le capital africain :<\/strong>&nbsp;quels m&eacute;canismes de mutualisation ou structures ancr&eacute;es par les IFD peuvent rendre le cr&eacute;dit priv&eacute; plus attractif que la dette souveraine ?<\/li>\n<li><strong>Du capital au d&eacute;ploiement :<\/strong> plus de la moiti&eacute; des fonds de cr&eacute;dit priv&eacute; africains lev&eacute;s depuis 2021 restent non allou&eacute;s. Probl&egrave;me de confiance, d'instruments, ou les deux ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F17tC80QEm8WFvU7aWHyg_headshot-1789484764827.png\" alt=\"John EVERINGTON\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">John EVERINGTON<\/div>\n                      <div class=\"sb-job\"> R\u00e9dacteur en chef pour le Moyen-Orient et l&#039;Afrique<\/div>                      <div class=\"sb-company\">The Banker<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FyFYZNzSaWJfHkOOWr4yw_headshot-1784623626054.jpg\" alt=\"Samira  MENSAH \">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Samira  MENSAH <\/div>\n                      <div class=\"sb-job\">Directrice G\u00e9n\u00e9rale Recherche &amp; Analyse Afrique et Responsable Pays \u2013 Afrique du Sud<\/div>                      <div class=\"sb-company\">S&amp;P Global <\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FMhYevVxlQqOw1VYVDrce_headshot-1789122279560.png\" alt=\"Cyrille  NKONTCHOU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Cyrille  NKONTCHOU<\/div>\n                      <div class=\"sb-job\">Co-Fondateur &amp; Partenaire g\u00e9rant<\/div>                      <div class=\"sb-company\">Enko Capital<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fq7DbgoeXRYKLldsGKSpC_headshot-1789553808964.png\" alt=\"Denis Charles KOUASSI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Denis Charles KOUASSI<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">CNPS<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FDsjMTwJPTfWQafgHKP8z_headshot-1788966058837.png\" alt=\"Cl\u00e1udia CONCEI\u00c7\u00c3O\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Cl\u00e1udia CONCEI\u00c7\u00c3O<\/div>\n                      <div class=\"sb-job\">Directrice,  Zone Sud de l&#039;Afrique<\/div>                      <div class=\"sb-company\">Soci\u00e9t\u00e9 Financi\u00e8re Internationale<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F1gwppiSCTAy4Uf9P3UIy_headshot-1788948013709.png\" alt=\"Walter PACHECO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Walter PACHECO<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Kassai Capital<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  15:50 \u2013 17:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">CFO Exchange | Affronter le casse-t\u00eate des plus de 40 monnaies africaines<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">\n<p><em><strong>Acc&egrave;s sur inscription via l&rsquo;application de l&rsquo;&eacute;v&eacute;nement ou sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\nLes monnaies africaines se sont d&eacute;pr&eacute;ci&eacute;es de 65 % face au dollar depuis 2007. Pour les directeurs financiers : co&ucirc;ts d'approvisionnement plus &eacute;lev&eacute;s, tr&eacute;sorerie sous tension, volatilit&eacute; des r&eacute;sultats. Les instruments de couverture restent rares, de courte maturit&eacute; et trop co&ucirc;teux &mdash; 61 % des institutions financi&egrave;res africaines jugent les produits de hedging hors de prix au regard des marges prot&eacute;g&eacute;es. Faute de d&eacute;riv&eacute;s accessibles, les entreprises recourent &agrave; la couverture naturelle, au financement intragroupe ou &agrave; la facturation en monnaie locale. En 2013, la banque centrale du Br&eacute;sil a cr&eacute;&eacute; un march&eacute; de d&eacute;riv&eacute;s liquide par des swaps de change l&agrave; o&ugrave; il n'en existait aucun. Les march&eacute;s africains peuvent-ils d&eacute;velopper des solutions pratiques sans accro&icirc;tre les risques budg&eacute;taires ou mon&eacute;taires ?<\/div>\n<div data-olk-copy-source=\"MessageBody\">&nbsp;<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Sans filet :<\/strong>&nbsp;quelles strat&eacute;gies de gestion du risque de change fonctionnent r&eacute;ellement lorsque les instruments de couverture sont indisponibles ou trop co&ucirc;teux ?<\/li>\n<li><strong>Le r&ocirc;le des banques centrales :<\/strong>&nbsp;fournir directement des instruments de couverture, ou cr&eacute;er les conditions de liquidit&eacute; qui permettent au march&eacute; de valoriser le risque ?<\/li>\n<li><strong>Dialogue strat&eacute;gique :<\/strong> comment directeurs financiers et banques centrales peuvent-ils collaborer utilement sur l'allocation de devises fortes ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FkwAWzZVnTJSEWhR3SKbv_headshot-1792053234334.jpg\" alt=\"Osamudiame ADAMS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Osamudiame ADAMS<\/div>\n                      <div class=\"sb-job\">Associ\u00e9<\/div>                      <div class=\"sb-company\">Forvis Mazars<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FX57xldR7S6qVegsy63ug_headshot-1789573108732.png\" alt=\"Dr. Telmo VAN-D\u00daNEM\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. Telmo VAN-D\u00daNEM<\/div>\n                      <div class=\"sb-job\">Directeur ex\u00e9cutif<\/div>                      <div class=\"sb-company\">BFA Capital Markets<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FR0cvKIKSOOLdFYmiaWyA_headshot-1789660639518.png\" alt=\"Thuto SHOMANG\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Thuto SHOMANG<\/div>\n                      <div class=\"sb-job\">Directeur de la T\u00e9sorerie<\/div>                      <div class=\"sb-company\">MTN<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FLda3HAgPS6CMKBnpzsEg_headshot-1790762721532.png\" alt=\"Tahirou BARRY\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Tahirou BARRY<\/div>\n                      <div class=\"sb-job\">Directrice financi\u00e8re<\/div>                      <div class=\"sb-company\">Solevo Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FdE2Gl41MQySMN8x1i5ge_headshot-1788778219989.jpg\" alt=\"Lesego Caster MOSEKI\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Lesego Caster MOSEKI<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banque du Bostwana <\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FFGOoFMkqQ9mpleNiytb7_headshot-1792427143920.jpg\" alt=\"Eduardo Lira BARBOSA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Eduardo Lira BARBOSA<\/div>\n                      <div class=\"sb-job\">Directeur financier du Groupe et membre du conseil d\u2019administration<\/div>                      <div class=\"sb-company\">Naval Holding Group<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FbImmutAShyu0Y4hQNp9w_headshot-1788859882572.png\" alt=\"Aivo ANDRIANARIVELO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Chairperson\">\n                          Chairperson                        <\/div>\n                      \n                      <div class=\"sb-name\">Aivo ANDRIANARIVELO<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banque Centrale de Madagascar<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"panel\"\n                   data-track=\"impact-sustainability\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  15:50 \u2013 16:50                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Panel | Du champ au capital : rendre le financement agricole africain bancable \u00e0 grande \u00e9chelle<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-itempart-id=\"AAkALgAAAAAAHYQDEapmEc2byACqAC\/EWg0AkhMxBRmUx0CnLmHDgiVZBwAAqTw4fwAA\" data-rp-focused-item=\"true\">\n<div aria-expanded=\"true\">\n<div>\n<div>\n<div>\n<div aria-label=\"Courrier \u00e9lectronique\">\n<div data-test-id=\"mailMessageBodyContainer\">\n<div>\n<div aria-label=\"Corps du message\" aria-live=\"polite\" data-fui-focus-visible=\"\">\n<div>\n<div>\n<div>\n<div>\n<div data-olk-copy-source=\"MessageBody\">&Agrave; peine 5 % du cr&eacute;dit en Afrique b&eacute;n&eacute;ficie &agrave; l'agriculture, pourtant centrale pour le PIB, l'emploi et la s&eacute;curit&eacute; alimentaire. La dynamique s'acc&eacute;l&egrave;re : plus de 600 millions de dollars de financements soutenus par des DFI ont &eacute;t&eacute; mobilis&eacute;s par plusieurs banques africaines pour l&rsquo;agri-finance, tandis que 16 institutions financi&egrave;res ont form&eacute; l'Africa AgriTrade Coalition. Mais sans partage des risques, l'agri-finance reste peu rentable &mdash; huit fois moins que les autres activit&eacute;s bancaires, avec 40 % de pr&ecirc;ts non performants suppl&eacute;mentaires. Les produits restent souvent trop co&ucirc;teux et mal adapt&eacute;s aux cycles agricoles. Comment des banques concurrentes peuvent-elles former des consortiums avec agtechs, assureurs, coop&eacute;ratives, IFD et &Eacute;tats pour rendre le secteur commercialement viable ?<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Mod&egrave;les rentables :<\/strong>&nbsp;comment construire des mod&egrave;les d'agri-finance viables avec agtechs, IFD et acteurs communautaires, puis les d&eacute;ployer &agrave; grande &eacute;chelle ?<\/li>\n<li><strong>Financer les cycles agricoles :<\/strong>&nbsp;quels produits peuvent concilier rentabilit&eacute;, accessibilit&eacute; et ad&eacute;quation aux cycles des cultures et de l'&eacute;levage ?<\/li>\n<li><strong>La donn&eacute;e comme levier :<\/strong>&nbsp;comment transformer les donn&eacute;es des petits exploitants &mdash; surface, rendement, photos de r&eacute;coltes &mdash; en mod&egrave;les de cr&eacute;dit plus pr&eacute;cis ?<\/li>\n<\/ul>\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<\/div>\n<div data-itempart-id=\"AAkALgAAAAAAHYQDEapmEc2byACqAC\/EWg0AkhMxBRmUx0CnLmHDgiVZBwAAqTw4ggAA\">\n<div aria-expanded=\"false\">\n<div>\n<div>&nbsp;<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FiCSfyqlaRvit3E0s116y_headshot-1789978954145.png\" alt=\"Candido MENDES\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Candido MENDES<\/div>\n                      <div class=\"sb-job\">Journaliste<\/div>                      <div class=\"sb-company\">Bloomberg<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F8uGX3xdcTCqMjyYGxU1K_headshot-1790846463665.png\" alt=\"Karim KONE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Karim KONE<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">AFG Holding<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FPyL2jIq6RCuWK1p3o8ck_headshot-1792054223973.png\" alt=\"Dr. MacDonald Saye GOANUE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Dr. MacDonald Saye GOANUE<\/div>\n                      <div class=\"sb-job\">Director of Research and Strategic Planning<\/div>                      <div class=\"sb-company\">Banque d&#039;Investissement et de D\u00e9veloppement de la CEDEAO (BIDC)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FYZ1HJ00FTpmFvt4Ny5me_headshot-1790261225886.png\" alt=\"Henry ONWUZURUIGBO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Henry ONWUZURUIGBO<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">Zenith Bank Ghana<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FwLZ1RseQyG9GWPQALgpA_headshot-1792515978021.png\" alt=\"Max- Alph\u00e9e DJECKETH\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Max- Alph\u00e9e DJECKETH<\/div>\n                      <div class=\"sb-job\">Directeur G\u00e9n\u00e9ral<\/div>                      <div class=\"sb-company\">NSIA Capital<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"strategic-roundtable\"\n                   data-track=\"capital-markets\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  15:50 \u2013 17:10                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Table-ronde strat\u00e9gique | Financement vert : l&#039;Afrique joue-t-elle \u00e0 la courte \u00e9chelle ?<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><div data-olk-copy-source=\"MessageBody\">\n<p><em><strong>Acc&egrave;s sur inscription via l&rsquo;application de l&rsquo;&eacute;v&eacute;nement ou sur invitation uniquement. Traduction Anglais - Fran&ccedil;ais - Portugais disponible.<\/strong><\/em><\/p>\nLes projets d'&eacute;nergie propre en Afrique sont financ&eacute;s en dollars, sur des maturit&eacute;s de cinq ans, &agrave; des taux jusqu'&agrave; trois fois sup&eacute;rieurs &agrave; ceux des &eacute;conomies avanc&eacute;es. Des centrales solaires con&ccedil;ues pour durer trente ans doivent se refinancer tous les cinq ans, tout en remboursant une dette en dollars &agrave; partir de revenus en monnaie locale qui se d&eacute;pr&eacute;cie. Une r&eacute;ponse africaine &eacute;merge : Africa Finance Corporation a d&eacute;caiss&eacute; 43 millions d'euros dans le cadre d'une obligation verte en double devise &mdash; euros et francs CFA &mdash; pour financer la future plus grande centrale solaire de C&ocirc;te d'Ivoire. Alors que les capitaux pour le solaire, l'hydraulique et l'&eacute;olien sont disponibles, comment mieux adapter le financement aux projets qu'il est cens&eacute; soutenir ?<\/div>\n<div>Points cl&eacute;s<\/div>\n<ul>\n<li><strong>Plafond souverain :<\/strong>&nbsp;un projet solaire avec vingt ans de revenus contract&eacute;s, toujours brid&eacute; par la note de son &Eacute;tat. Pourquoi, et comment y rem&eacute;dier ?<\/li>\n<li><strong>Aller plus loin avec les garanties :<\/strong>&nbsp;comment les IFD peuvent-elles mieux couvrir les retards de paiement des compagnies publiques et l'exposition au risque de change ?<\/li>\n<li><strong>Allonger les maturit&eacute;s :<\/strong> qu'est-ce qui r&eacute;duirait suffisamment le risque pour que les pr&ecirc;teurs commerciaux s'engagent sur le long terme ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FGvmdl5VMQ7uo4Ggyakhu_headshot-1791299029972.png\" alt=\" Taha FERDAOUS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\"> Taha FERDAOUS<\/div>\n                      <div class=\"sb-job\">Associ\u00e9<\/div>                      <div class=\"sb-company\">Forvis Mazars Maroc<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FZZ3goXjSaVwd1dwGhGA9_headshot-1788948167650.png\" alt=\"Michael JONGENEEL\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Michael JONGENEEL<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">FMO<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FguhBy994Q4qzVMjbGhA6_headshot-1789648492331.png\" alt=\"Kossi TENOU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Kossi TENOU<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident<\/div>                      <div class=\"sb-company\">AMF-UMOA<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/event-files%2FE8MNW0mXQBikRcZPMRaT_Adilson%20NELUMBA.png\" alt=\"Adilson NELUMBA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Adilson NELUMBA<\/div>\n                      <div class=\"sb-job\">Pr\u00e9sident du Conseil d&#039;administration<\/div>                      <div class=\"sb-company\">Copia Group of Companies<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fp7crbUhTcChOCAIcqCaz_headshot-1790078474753.png\" alt=\"Philip K. CHITALU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Philip K. CHITALU<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">Securities and Exchange Commission - Zambia<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/p4coJXKDQKac2r7GEsXv_1662803382839-transformed.jpg\" alt=\"Moubarak MOUKAILA\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Moubarak MOUKAILA<\/div>\n                      <div class=\"sb-job\">Directeur du Financement du D\u00e9veloppement Durable<\/div>                      <div class=\"sb-company\">Banque Ouest Africaine de D\u00e9veloppement (BOAD)<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2Fdo3EZwZRCyhduV2b9ftt_headshot-1792771964930.png\" alt=\"Ruurd BROUWER\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Ruurd BROUWER<\/div>\n                      <div class=\"sb-job\">CEO<\/div>                      <div class=\"sb-company\">TCX Fund<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FwcwhimbcQkq6qK7rxasI_headshot-1793106240667.jpg\" alt=\"Arlindo Bota MANUEL CARLOS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Arlindo Bota MANUEL CARLOS<\/div>\n                      <div class=\"sb-job\">Secr\u00e9taire d\u2019\u00c9tat \u00e0 l\u2019\u00c9nergie et aux Eaux<\/div>                      <div class=\"sb-company\">Minist\u00e8re de l\u2019\u00c9nergie et de l\u2019Eau, R\u00e9publique d\u2019Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FeoZuBm9QS4ucwgdvlBMe_headshot-1791367752041.jpg\" alt=\"Marc ABEGHE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Chairperson\">\n                          Chairperson                        <\/div>\n                      \n                      <div class=\"sb-name\">Marc ABEGHE<\/div>\n                      <div class=\"sb-job\">Ministre D\u00e9l\u00e9gu\u00e9 aupr\u00e8s du Ministre de l&#039;Economie, des Finances, de la Dette et des Participations, charg\u00e9 de la Lutte Contre la Vie Ch\u00e8re<\/div>                      <div class=\"sb-company\">R\u00e9publique Gabonaise<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"conversation-with\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  15:50 \u2013 16:10                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Conversation With | Parlons franc : le dollar et le futur de la finance africaine<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>La RDC s&rsquo;engage &agrave; r&eacute;duire sa d&eacute;pendance au dollar et &agrave; renforcer sa monnaie nationale. Pr&egrave;s de 88 % des d&eacute;p&ocirc;ts du secteur bancaire congolais sont libell&eacute;s en devises &eacute;trang&egrave;res, principalement en dollars. &Agrave; partir de d&eacute;but avril 2027, le pays interdira les paiements en esp&egrave;ces en devises &eacute;trang&egrave;res, et la banque centrale exercera un contr&ocirc;le exclusif sur les importations de billets &eacute;trangers. Les comptes en dollars et les paiements &eacute;lectroniques resteront autoris&eacute;s. Le pays envisage &eacute;galement d&rsquo;imposer aux entreprises des industries extractives la conversion en francs congolais d&rsquo;une partie de leurs recettes d&rsquo;exportation en dollars.S.E.M. Fwamba Likunde, Ministre des Finances de la RDC, explique comment instaurer la confiance dans le franc congolais, pr&eacute;sente l&rsquo;agenda &eacute;conomique global du pays et tire les enseignements de cette initiative pour l&rsquo;ambition africaine de renforcer les monnaies locales.<\/p><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FXIu6Y4hQ7ia0ndGlRKQw_headshot-1789724532171.png\" alt=\"Tha\u00efs BROUCK\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Tha\u00efs BROUCK<\/div>\n                      <div class=\"sb-job\">R\u00e9dacteur en chef Economie<\/div>                      <div class=\"sb-company\">Jeune Afrique<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FnywFrrviRn2Izj5hBA7d_headshot-1790774315883.png\" alt=\"H.E. Doudou FWAMBA LIKUNDE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">H.E. Doudou FWAMBA LIKUNDE<\/div>\n                      <div class=\"sb-job\">Ministre des Finances<\/div>                      <div class=\"sb-company\">R\u00e9publique D\u00e9mocratique du Congo<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"panel\"\n                   data-track=\"global-econ\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  16:50 \u2013 17:40                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">PANEL DES GOUVERNEURS DE BANQUES CENTRALES | Un continent, une monnaie, une banque centrale : d\u00e9finir le cap r\u00e9glementaire 2028-2034<\/h3>\n\n           \n\n                          <div class=\"sb-desc\"><p>Monnaie unique, Banque centrale africaine : l'objectif de l'Union africaine avance, avec l'ouverture en septembre 2026 de son pr&eacute;curseur, l'Institut mon&eacute;taire africain. Reste &agrave; trancher l'ordre des priorit&eacute;s. Converger d'abord sur les grands &eacute;quilibres macro&eacute;conomiques - inflation, d&eacute;ficits, dette - risque de freiner l'int&eacute;gration en pleine crise budg&eacute;taire. Commencer par les syst&egrave;mes de paiement et les r&egrave;gles prudentielles apporte des gains commerciaux rapides, mais laisse la question mon&eacute;taire en suspens. &Agrave; l'approche de la fen&ecirc;tre de lancement 2028-2034, quelle souverainet&eacute; les banques centrales doivent-elles c&eacute;der en premier pour &eacute;viter que l'int&eacute;gration mon&eacute;taire ne s'enlise ?<\/p>\n<p>Points cl&eacute;s<\/p>\n<ul>\n<li><strong>Par o&ugrave; commencer :<\/strong> alignement macro&eacute;conomique ou unification prudentielle transfrontali&egrave;re - quelle s&eacute;quence ?<\/li>\n<li><strong>Interconnecter sans fragiliser :<\/strong> comment relier les syst&egrave;mes de paiement r&eacute;gionaux sans exposer les &eacute;conomies stables aux chocs externes ?<\/li>\n<li><strong>Prot&eacute;ger les petits acteurs :<\/strong> quels garde-fous pour les secteurs bancaires locaux pendant la transition vers un cadre r&eacute;glementaire unifi&eacute; ?<\/li>\n<\/ul><\/div>\n            \n                          <div class=\"sb-people\">\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FrMnD2BUmS5SmfSieCBHs_transformed-1779962714982.png\" alt=\"Nicholas NORBROOK\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Moderator\">\n                          Moderator                        <\/div>\n                      \n                      <div class=\"sb-name\">Nicholas NORBROOK<\/div>\n                      <div class=\"sb-job\">R\u00e9dacteur en chef<\/div>                      <div class=\"sb-company\">The Africa Report<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2F8yaWRW4LQT2hukx4XrdX_headshot-1793119888197.png\" alt=\"Jean-Claude Kassi BROU\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Jean-Claude Kassi BROU<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">BCEAO<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FoLxi3YY4SjyEvP4uyTl9_headshot-1789393270032.png\" alt=\"Manuel Antonio Tiago DIAS\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Manuel Antonio Tiago DIAS<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banque Nationale d&#039;Angola<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FdWRy0eCSXyEVwJuFOLxe_headshot-1791885044413.jpg\" alt=\"Lesetja KGANYAGO\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Lesetja KGANYAGO<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">South African Reserve Bank<\/div>                    <\/div>\n                  <\/div>\n                                  <div class=\"sb-person\">\n                                          <img decoding=\"async\" src=\"https:\/\/content-cdn.sessionboard.com\/attendee-photo%2FffWzdOmxRbviEfW9e6Ks_transformed-1780046806078.png\" alt=\"Soraya M. HAKUZIYAREMYE\">\n                                        <div>\n                                              <div class=\"sb-role\" data-role=\"Speaker\">\n                          Speaker                        <\/div>\n                      \n                      <div class=\"sb-name\">Soraya M. HAKUZIYAREMYE<\/div>\n                      <div class=\"sb-job\">Gouverneur<\/div>                      <div class=\"sb-company\">Banque nationale du Rwanda<\/div>                    <\/div>\n                  <\/div>\n                              <\/div>\n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"keynote\"\n                   data-track=\"\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  17:40 \u2013 18:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Closing Ceremony<\/h3>\n\n           \n\n            \n            \n          <\/article>\n                  <article class=\"sb-card\"\n                   data-card\n                   data-day=\"2026-11-04\"\n                   data-format=\"\"\n                   data-track=\"\"\n                   data-is-side=\"0\">\n\n                          <div class=\"sb-meta\">\n                <span class=\"sb-chip\">\ud83d\udd52\n                  18:00 \u2013 20:00                <\/span>\n              <\/div>\n            \n            <h3 style=\"margin:0 0 8px\">Closing Cocktail<\/h3>\n\n           \n\n            \n            \n          <\/article>\n              <\/div>\n    <\/div>\n\n    <script>\n    (function(){\n      const root       = document.querySelector('[data-sb]');\n      if (!root) return;\n\tconst showPeople = root.querySelector('[data-sb-people]');\n      const cards      = Array.from(root.querySelectorAll('[data-card]'));\n      const titles     = Array.from(root.querySelectorAll('[data-day-title]'));\n      const selFmt     = root.querySelector('[data-sb-format]');\n      const selTrack   = root.querySelector('[data-sb-track]');\n      const daysWrap   = root.querySelector('[data-sb-days]');\n      const progWrap   = root.querySelector('[data-sb-program]');\n\n      const hasSideBtn = !!progWrap.querySelector('[data-program=\"side\"]');\n\n      let activeDay = daysWrap.querySelector('.sb2-btn')?.getAttribute('data-day') || '';\n      let program   = 'main';\n\n      daysWrap.addEventListener('click', (e)=>{\n        const btn = e.target.closest('.sb2-btn'); if (!btn) return;\n        activeDay = btn.getAttribute('data-day') || '';\n        daysWrap.querySelectorAll('.sb2-btn').forEach(b=>b.classList.remove('is-active'));\n        btn.classList.add('is-active');\n        applyFilters();\n      });\n\n      progWrap.addEventListener('click', (e)=>{\n        const btn = e.target.closest('.sb-btn'); if (!btn) return;\n        program = btn.getAttribute('data-program'); \/\/ main|side\n        progWrap.querySelectorAll('.sb-btn').forEach(b=>b.classList.remove('is-active'));\n        btn.classList.add('is-active');\n        applyFilters();\n      });\n\n      selFmt?.addEventListener('change', applyFilters);\n      selTrack?.addEventListener('change', applyFilters);\n\n      function applyFilters(){\n        const fmt = selFmt?.value || '';\n        const trk = selTrack?.value || '';\n        let visibleDays = new Set();\n\n        cards.forEach(card=>{\n          const cDay  = card.getAttribute('data-day') || '';\n          const cFmt  = (card.getAttribute('data-format') || '').toLowerCase();\n          const cTrk  = (card.getAttribute('data-track')  || '').toLowerCase();\n          const isSide= card.getAttribute('data-is-side') === '1';\n\n          const matchDay  = (cDay === activeDay);\n          const matchFmt  = (!fmt || cFmt === fmt.toLowerCase());\n          const matchProg = !hasSideBtn ? 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