{"id":22662,"date":"2025-09-22T09:43:12","date_gmt":"2025-09-22T09:43:12","guid":{"rendered":"https:\/\/www.afis.africa\/sb_session\/cracking-the-code-on-expanding-insurance-to-the-informal-sector\/"},"modified":"2025-10-21T15:50:28","modified_gmt":"2025-10-21T15:50:28","slug":"cracking-the-code-on-expanding-insurance-to-the-informal-sector","status":"publish","type":"sb_session","link":"https:\/\/www.afis.africa\/fr\/sb_session\/cracking-the-code-on-expanding-insurance-to-the-informal-sector\/","title":{"rendered":"Bancassurance &#038; t\u00e9l\u00e9coms : quelles strat\u00e9gies pour d\u00e9mocratiser l&#8217;acc\u00e8s \u00e0 l&#8217;assurance pour le secteur informel ?"},"content":{"rendered":"<p>L&#8217;assurance int&eacute;gr&eacute;e via les plateformes de mobile money et les applications bancaires constitue une opportunit&eacute; majeure pour &eacute;tendre l&#8217;acc&egrave;s aux couvertures sant&eacute;, agricoles et d&#8217;accidents corporels, notamment pour les travailleurs du secteur informel, qui repr&eacute;sentent 83 % de la population active en Afrique. Malgr&eacute; la multiplication des partenariats dans ce domaine, les assureurs font face &agrave; plusieurs d&eacute;fis : int&eacute;gration technologique, manque de donn&eacute;es fiables sur les risques, mise en place de strat&eacute;gies de tarification adapt&eacute;es aux revenus irr&eacute;guliers de ce segment, ainsi que la complexit&eacute; de la conformit&eacute; r&eacute;glementaire impliquant banques centrales, r&eacute;gulateurs d&#8217;assurance et op&eacute;rateurs t&eacute;l&eacute;coms. De leur c&ocirc;t&eacute;, banques et op&eacute;rateurs t&eacute;l&eacute;coms s&#8217;interrogent sur la rentabilit&eacute; de tels projets face aux efforts d&#8217;impl&eacute;mentation requis. Quelles mesures d&eacute;cisives permettraient de faire d&eacute;coller le taux de p&eacute;n&eacute;tration de l&#8217;assurance int&eacute;gr&eacute;e, actuellement inf&eacute;rieur &agrave; 3 % en Afrique ? &nbsp;<\/p>\n<p><strong>Points cl&eacute;s<\/strong> : &nbsp;<\/p>\n<ul>\n<li>Accro&icirc;tre l&#8217;adoption et la r&eacute;tention : les produits int&eacute;gr&eacute;s actuels r&eacute;pondent-ils aux attentes en termes d&#8217;inclusion financi&egrave;re et de rentabilit&eacute; ? &nbsp;<\/li>\n<li>Conception des produits et int&eacute;gration technologique : comment mieux comprendre les besoins du secteur informel tout en optimisant l&#8217;int&eacute;gration, que ce soit avec ou sans l&#8217;intervention d&#8217;interm&eacute;diaires insurtech ?<\/li>\n<li>Harmonisation r&eacute;glementaire : comment mettre les r&eacute;gulateurs au diapason ?&nbsp;<\/li>\n<\/ul>\n","protected":false},"featured_media":0,"template":"","evenement-salon":[133],"class_list":["post-22662","sb_session","type-sb_session","status-publish","hentry","evenement-salon-133"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bancassurance &amp; t\u00e9l\u00e9coms : quelles strat\u00e9gies pour d\u00e9mocratiser l&#039;acc\u00e8s \u00e0 l&#039;assurance pour le secteur informel ? - The African Financial Summit Platform<\/title>\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\/sb_session\/cracking-the-code-on-expanding-insurance-to-the-informal-sector\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bancassurance &amp; t\u00e9l\u00e9coms : quelles strat\u00e9gies pour d\u00e9mocratiser l&#039;acc\u00e8s \u00e0 l&#039;assurance pour le secteur informel ? - The African Financial Summit Platform\" \/>\n<meta property=\"og:description\" content=\"L&#8217;assurance int&eacute;gr&eacute;e via les plateformes de mobile money et les applications bancaires constitue une opportunit&eacute; majeure pour &eacute;tendre l&#8217;acc&egrave;s aux couvertures sant&eacute;, agricoles et d&#8217;accidents corporels, notamment pour les travailleurs du secteur informel, qui repr&eacute;sentent 83 % de la population active en Afrique. 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