{"id":15971,"date":"2025-02-04T17:10:39","date_gmt":"2025-02-04T17:10:39","guid":{"rendered":"https:\/\/www.afis.africa\/insight\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\/"},"modified":"2025-09-18T14:29:55","modified_gmt":"2025-09-18T14:29:55","slug":"opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive","status":"publish","type":"post","link":"https:\/\/www.afis.africa\/fr\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\/","title":{"rendered":"Opinion : Pourquoi le succ\u00e8s du mobile money repose sur la coop\u00e9ration public-priv\u00e9"},"content":{"rendered":"<p><strong>Avec 36,7 milliards de transactions repr\u00e9sentant 701,4 milliards de dollars en 2021, l\u2019Afrique domine d\u00e9j\u00e0 le paysage mondial du mobile money, captant plus des deux tiers du trillion de dollars qui transitent chaque ann\u00e9e par ces services \u00e0 l\u2019\u00e9chelle mondiale. Pourtant, le continent n\u2019en est qu\u2019\u00e0 effleurer son v\u00e9ritable potentiel. Il entame aujourd\u2019hui un nouveau chapitre de son \u00e9volution, dont l\u2019impact pourrait s\u2019\u00e9tendre \u00e0 d\u2019autres \u00e9conomies \u00e9mergentes.<\/strong><\/p>\n<p><em>Par Jeremy Lin, Vice-Pr\u00e9sident Ex\u00e9cutif de Huawei Northern Africa (Afrique du Nord, de l&#8217;Ouest et Centrale)<\/em><\/p>\n<p>Une d\u00e9cennie d\u2019innovation au service de l\u2019inclusion financi\u00e8re<\/p>\n<p>Les dix derni\u00e8res ann\u00e9es ont prouv\u00e9 la capacit\u00e9 du continent \u00e0 adapter les technologies num\u00e9riques aux r\u00e9alit\u00e9s locales et \u00e0 favoriser leur adoption par des populations historiquement exclues des circuits financiers traditionnels.<\/p>\n<p>Jusqu\u2019\u00e0 pr\u00e9sent, cette r\u00e9volution s\u2019est principalement manifest\u00e9e \u00e0 travers les paiements et les transferts d\u2019argent. D\u00e9sormais, le secteur s\u2019ouvre \u00e0 de nouveaux services essentiels : acc\u00e8s au cr\u00e9dit pour financer les activit\u00e9s, \u00e9pargne pour s\u00e9curiser l\u2019avenir et assurance pour se pr\u00e9munir contre les al\u00e9as de la vie. Cette diversification fera du mobile money un levier strat\u00e9gique encore plus puissant pour acc\u00e9l\u00e9rer la transformation num\u00e9rique et stimuler la croissance des march\u00e9s \u00e9mergents.<\/p>\n<p><strong>Des Super Apps pour les transports et bien plus encore<\/strong><\/p>\n<p>Prenons l\u2019exemple de telebirr, une application de mobile money d\u00e9velopp\u00e9e gr\u00e2ce \u00e0 un partenariat entre Ethio-Telecom et Huawei. Con\u00e7ue pour pallier le manque d\u2019offres diversifi\u00e9es, elle est devenue une v\u00e9ritable Super App.<\/p>\n<p>Aujourd\u2019hui, elle propose une gamme compl\u00e8te de services allant de l\u2019e-commerce et des paiements de factures au transport public, au microcr\u00e9dit et aux transferts internationaux. Elle permet m\u00eame de faire des dons au projet du Grand Barrage de la Renaissance \u00e9thiopien et \u00e0 diverses organisations caritatives.<\/p>\n<p>En seulement trois ans, telebirr a d\u00e9pass\u00e9 les 40 millions d\u2019utilisateurs, avec des volumes de transactions mensuelles atteignant 30 % du PIB de l\u2019\u00c9thiopie en mars 2023. Ce succ\u00e8s a permis \u00e0 Ethio-Telecom de passer du statut d&#8217;op\u00e9rateur classique \u00e0 celui d&#8217;acteur cl\u00e9 de l\u2019\u00e9conomie num\u00e9rique et intelligente du pays, contribuant ainsi \u00e0 l\u2019inclusion financi\u00e8re \u00e0 grande \u00e9chelle.<\/p>\n<p>Cette r\u00e9ussite illustre le mod\u00e8le Emerging Markets 2.0 (EM 2.0), qui montre que les \u00e9conomies \u00e9mergentes peuvent d\u00e9passer une simple d\u00e9pendance aux ressources naturelles et \u00e0 l\u2019industrie manufacturi\u00e8re pour devenir des \u00e9conomies technologiques attractives pour les investisseurs \u00e9trangers.<\/p>\n<h4>Connectivit\u00e9 et cadre r\u00e9glementaire : des d\u00e9fis \u00e0 relever ensemble<\/h4>\n<p>Toutefois, pour que ces Super Apps puissent encore changer d\u2019\u00e9chelle, plusieurs d\u00e9fis doivent \u00eatre surmont\u00e9s. Parmi eux, l\u2019am\u00e9lioration de la connectivit\u00e9 dans les zones rurales et l\u2019\u00e9volution des cadres r\u00e9glementaires pour accompagner la diversit\u00e9 des services propos\u00e9s par les acteurs du mobile money.<\/p>\n<p>Le succ\u00e8s de cette nouvelle phase repose donc sur une coop\u00e9ration \u00e9troite entre op\u00e9rateurs t\u00e9l\u00e9coms, fournisseurs de technologies et gouvernements. Ensemble, ils doivent mettre en commun leur expertise afin de d\u00e9velopper des solutions p\u00e9rennes, adapt\u00e9es aux besoins locaux.<\/p>\n<p>L\u2019Afrique a \u00e9t\u00e9 pionni\u00e8re dans l\u2019essor du mobile money et est bien plac\u00e9e pour mener sa prochaine r\u00e9volution, offrant ainsi un mod\u00e8le inspirant pour les autres march\u00e9s \u00e9mergents souhaitant int\u00e9grer le num\u00e9rique dans leur strat\u00e9gie de d\u00e9veloppement global.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avec 36,7 milliards de transactions repr\u00e9sentant 701,4 milliards de dollars en 2021, l\u2019Afrique domine d\u00e9j\u00e0 le paysage mondial du mobile money, captant plus des deux tiers du trillion de dollars qui transitent chaque ann\u00e9e par ces services \u00e0 l\u2019\u00e9chelle mondiale. Pourtant, le continent n\u2019en est qu\u2019\u00e0 effleurer son v\u00e9ritable potentiel. Il entame aujourd\u2019hui un nouveau [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":17509,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,100],"tags":[],"class_list":["post-15971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-no-category","category-services-financiers-numeriques-fintech"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Opinion : Pourquoi le succ\u00e8s du mobile money repose sur la coop\u00e9ration public-priv\u00e9 - The African Financial Summit Platform<\/title>\n<meta name=\"description\" content=\"L\u2019Afrique domine le paysage mondial du mobile money avec 701,4 milliards de dollars de transactions en 2021, mais son potentiel ne fait que commencer \u00e0 se r\u00e9v\u00e9ler. Avec l\u2019essor des Super Apps comme telebirr, qui s\u2019\u00e9tendent au-del\u00e0 des paiements vers le cr\u00e9dit, l\u2019\u00e9pargne et les services publics, le mobile money acc\u00e9l\u00e8re l\u2019inclusion financi\u00e8re et la transformation num\u00e9rique. Cependant, surmonter les d\u00e9fis li\u00e9s \u00e0 la connectivit\u00e9 et \u00e0 la r\u00e9glementation n\u00e9cessitera des partenariats solides entre le public et le priv\u00e9 pour d\u00e9bloquer la prochaine phase de croissance des march\u00e9s \u00e9mergents.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.afis.africa\/fr\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Opinion : Pourquoi le succ\u00e8s du mobile money repose sur la coop\u00e9ration public-priv\u00e9 - The African Financial Summit Platform\" \/>\n<meta property=\"og:description\" content=\"\ud83c\udf0d L\u2019Afrique domine le mobile money avec 701,4 milliards de dollars de transactions, mais la r\u00e9volution ne fait que commencer ! \ud83d\ude80 Les Super Apps comme telebirr transforment la finance num\u00e9rique, en proposant du cr\u00e9dit, de l\u2019\u00e9pargne et m\u00eame le paiement des transports publics. \ud83d\udcf2 Pour aller plus loin, la collaboration public-priv\u00e9 est essentielle pour combler les lacunes en connectivit\u00e9 et adapter la r\u00e9glementation. \ud83d\udd17 D\u00e9couvrez comment l\u2019Afrique \u00e9crit le prochain chapitre de l\u2019innovation en mobile money ! #Fintech #MobileMoney #TransformationDigitale\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.afis.africa\/fr\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\/\" \/>\n<meta property=\"og:site_name\" content=\"The African Financial Summit Platform\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-04T17:10:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-18T14:29:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.afis.africa\/wp-content\/uploads\/2025\/02\/04-Feb-2025-Opinion-Why-the-success-of-mobile-money-depends-on-public-private-cooperation.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Nadia AYARI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nadia AYARI\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\\\/\"},\"author\":{\"name\":\"Nadia AYARI\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/#\\\/schema\\\/person\\\/eceaa7dfc9d3878f3b005cf1b6d6f1ae\"},\"headline\":\"Opinion : Pourquoi le succ\u00e8s du mobile money repose sur la coop\u00e9ration public-priv\u00e9\",\"datePublished\":\"2025-02-04T17:10:39+00:00\",\"dateModified\":\"2025-09-18T14:29:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\\\/\"},\"wordCount\":597,\"publisher\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.afis.africa\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/04-Feb-2025-Opinion-Why-the-success-of-mobile-money-depends-on-public-private-cooperation.png\",\"articleSection\":[\"No category\",\"Services financiers num\u00e9riques &amp; fintech\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\\\/\",\"url\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\\\/\",\"name\":\"Opinion : Pourquoi le succ\u00e8s du mobile money repose sur la coop\u00e9ration public-priv\u00e9 - The African Financial Summit Platform\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/opinion-pourquoi-le-succes-du-mobile-money-repose-sur-la-cooperation-public-prive\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.afis.africa\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/04-Feb-2025-Opinion-Why-the-success-of-mobile-money-depends-on-public-private-cooperation.png\",\"datePublished\":\"2025-02-04T17:10:39+00:00\",\"dateModified\":\"2025-09-18T14:29:55+00:00\",\"description\":\"L\u2019Afrique domine le paysage mondial du mobile money avec 701,4 milliards de dollars de transactions en 2021, mais son potentiel ne fait que commencer \u00e0 se r\u00e9v\u00e9ler. 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