{"id":117036,"date":"2025-09-10T11:00:19","date_gmt":"2025-09-10T11:00:19","guid":{"rendered":"https:\/\/www.africa-press.net\/burkina-faso\/politique\/quand-le-mobile-money-booste-lepargne-africaine"},"modified":"2025-09-10T11:41:26","modified_gmt":"2025-09-10T11:41:26","slug":"quand-le-mobile-money-booste-lepargne-africaine","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/burkina-faso\/economie\/quand-le-mobile-money-booste-lepargne-africaine","title":{"rendered":"Quand le mobile money booste l\u2019\u00e9pargne africaine"},"content":{"rendered":"

Africa-Press – Burkina Faso. <\/strong><\/span>Avec 44 % d\u2019adultes titulaires d\u2019un compte mobile money en 2024, l\u2019Afrique devance tous les autres continents. Une expansion qui stimule l\u2019e\u0301pargne formelle et redessine les usages des services financiers, notamment en zone rurale.<\/p>\n

En Afrique, le mobile money continue sa fulgurante progression. En 2024, pre\u0300s d\u2019un adulte sur deux (44 %) y de\u0301tenait un compte mobile money, soit 15 points de plus que la moyenne mondiale, selon le dernier rapport sur l\u2019inclusion financie\u0300re, Global Findex 2025, publie\u0301 par la Banque mondiale. Le phe\u0301nome\u0300ne est tel que, dans certaines zones rurales, ce type de comptes est me\u0302me le seul lien existant avec le syste\u0300me financier formel.<\/p>\n

<\/p>\n

Le succe\u0300s du mobile money sur le continent s\u2019explique par la faible pe\u0301ne\u0301tration bancaire, notamment hors des villes, et par la diffusion rapide des te\u0301le\u0301phones et des smartphones. La\u0300 ou\u0300 les banques traditionnelles n\u2019ont quasiment aucune agence ni guichet, les ope\u0301rateurs te\u0301le\u0301phoniques ont de\u0301ploye\u0301 des milliers d\u2019agents de mobile money, cre\u0301ant un re\u0301seau dense et adapte\u0301 aux re\u0301alite\u0301s locales.<\/p>\n

Un marche\u0301 d\u2019une ampleur inoui\u0308e<\/b><\/p>\n

Dix-huit ans apre\u0300s le lancement de M-Pesa par Vodafone au Kenya, qui a marque\u0301 le lancement du paiement mobile dans le monde, pre\u0300s de neuf Ke\u0301nyans sur dix posse\u0300dent aujourd\u2019hui un compte. En Zambie et au Ghana, c\u2019est environ 70 % de la population. Un marche\u0301 d\u2019une ampleur inoui\u0308e.<\/p>\n

<\/p>\n

Mais plus qu\u2019un simple outil de paiement, le mobile money est devenu, en Afrique, un ve\u0301ritable levier d\u2019e\u0301pargne. En 2024, selon le Global Findex, 35 % des adultes du continent ont e\u0301pargne\u0301 via un compte financier, une progression de 12 points en trois ans. Une part significative de ces comptes sont des comptes mobile money, souvent les seuls disponibles pour les populations rurales ou dans l\u2019e\u0301conomie informelle.<\/p>\n

<\/p>\n

De plus, les utilisateurs de mobile money en Afrique sont significativement plus nombreux a\u0300 e\u0301pargner dans un compte formel que ceux qui n\u2019en utilisent pas.<\/p>\n

E\u0301pargne digitale et e\u0301pargne formelle<\/b><\/p>\n

Pre\u0300s de 30 % des usagers de mobile money combinent e\u0301pargne digitale et formelle, contre seulement 16 % chez les non-utilisateurs. Des donne\u0301es qui sugge\u0300rent que le mobile money ne se substitue pas a\u0300 l\u2019e\u0301pargne formelle, mais peut au contraire constituer une porte d\u2019entre\u0301e vers celle-ci.<\/p>\n

<\/p>\n

Contrairement a\u0300 d\u2019autres re\u0301gions ou\u0300 l\u2019e\u0301pargne est domine\u0301e par les e\u0301tablissements bancaires classiques, en Afrique, ce sont les portefeuilles nume\u0301riques qui remplissent cette fonction.<\/p>\n

Une logique de protection quotidienne<\/p>\n

Le profil type de l\u2019e\u0301pargnant est un travailleur aux revenus modestes, souvent informel, qui de\u0301pose de petites sommes de manie\u0300re fre\u0301quente, au rythme des rentre\u0301es d\u2019argent. Cette approche, plus souple et moins intimidante que l\u2019e\u0301pargne traditionnelle, re\u0301pond a\u0300 une logique de protection quotidienne: faire face a\u0300 une urgence de sante\u0301, a\u0300 une de\u0301pense scolaire ou a\u0300 une saison difficile.<\/p>\n


\nUn besoin de re\u0301gulation<\/b><\/p>\n

Dans le secteur agricole, le mobile money commence aussi a\u0300 transformer les pratiques. Des projets pilotes comme M-Kulima, en Tanzanie, facilitent les paiements aux agriculteurs, l\u2019acce\u0300s au cre\u0301dit et l\u2019assurance climatique. Face aux chocs environnementaux, cette digitalisation offre des outils de re\u0301silience prometteurs.<\/p>\n

Mais des de\u0301fis demeurent. L\u2019absence de re\u0301mune\u0301ration sur les de\u0301po\u0302ts limite l\u2019attractivite\u0301 de l\u2019e\u0301pargne longue. Les frais de transaction, parfois e\u0301leve\u0301s, peuvent de\u0301courager certains usages. Et les populations les plus vulne\u0301rables \u2013 femmes, ruraux, jeunes \u2013 restent sous-repre\u0301sente\u0301es parmi les usagers actifs.<\/p>\n

Pour que le mobile money tienne toutes ses promesses, il faut renforcer la re\u0301gulation, diversifier les produits, et investir dans l\u2019e\u0301ducation financie\u0300re. L\u2019Afrique a de\u0301montre\u0301 sa capacite\u0301 a\u0300 innover en matie\u0300re d\u2019inclusion. Le prochain de\u0301fi: faire de cette innovation un levier durable de de\u0301veloppement.<\/p>\n

Source: JeuneAfrique<\/b><\/p>\n

Pour plus d’informations et d’analyses sur la Burkina Faso<\/span>, suivez Africa-Press<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – Burkina Faso. Avec 44 % d\u2019adultes titulaires d\u2019un compte mobile money en 2024, l\u2019Afrique devance tous les autres continents. Une expansion qui stimule l\u2019e\u0301pargne formelle et redessine les usages des services financiers, notamment en zone rurale. En Afrique, le mobile money continue sa fulgurante progression. En 2024, pre\u0300s d\u2019un adulte sur deux (44 […]<\/p>\n","protected":false},"author":82,"featured_media":117035,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,10],"tags":[29],"class_list":["post-117036","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-toutes-les-actualites","tag-burkina-faso"],"yoast_head":"\nQuand le mobile money booste l\u2019\u00e9pargne africaine - Burkina Faso<\/title>\n<meta name=\"description\" content=\"Avec 44 % d\u2019adultes titulaires d\u2019un compte mobile money en 2024, l\u2019Afrique devance tous les autres continents. 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