Africa-Press – Djibouti. <\/strong><\/span>La filie\u0300re bancaire africaine du groupe de te\u0301le\u0301communications ne devrait pas e\u0302tre impacte\u0301e par les ne\u0301gociations exclusives pour les activite\u0301s de sa cons\u0153ur en France et en Espagne avec la banque commerciale franc\u0327aise.<\/p>\nLes ne\u0301gociations entre BNP Paribas et Orange Bank en France et en Espagne n\u2019auront pas de conse\u0301quence sur Orange Bank Africa (OBA). Via un communique\u0301, le groupe franc\u0327ais entend ainsi rassurer ses clients en Co\u0302te d\u2019Ivoire, ou\u0300 le service a e\u0301te\u0301 lance\u0301 en juillet 2020 et qui repre\u0301sente, pour l\u2019heure, son premier et unique marche\u0301 africain.<\/p>\n
Pour rappel par ailleurs, la banque commerciale franc\u0327aise, apre\u0300s plus d\u2019un sie\u0300cle de pre\u0301sence sur le continent, a ce\u0301de\u0301 l\u2019an passe\u0301 ses dernie\u0300res filiales en Afrique subsaharienne, pre\u0301fe\u0301rant se concentrer sur ses marche\u0301s d\u2019Europe et d\u2019Asie.<\/p>\n
Depuis le lancement en grande pompe d\u2019Orange Bank en 2017 par l\u2019ancien directeur ge\u0301ne\u0301ral Ste\u0301phane Richard, les pertes cumule\u0301es sur plus de quatre exercices avoisinaient plus de 1 milliard d\u2019euros. Et ce malgre\u0301 un portefeuille de clients de plus de 2 millions en France et en Espagne.<\/p>\n
Des clients du mobile money a\u0300 convertir<\/b><\/p>\n
La structure capitalistique d\u2019OBA diffe\u0300re de celle de sa cons\u0153ur europe\u0301enne. La filiale est de\u0301tenue a\u0300 15 % par le groupe de bancassurance NSIA et a\u0300 85 % par une structure de\u0301nomme\u0301e Orange Abidjan Participations, laquelle est elle-me\u0302me proprie\u0301te\u0301 a\u0300 52 % d\u2019Atlas Services Belgium, holding d\u2019Orange charge\u0301 de prendre des participations dans des entite\u0301s, alors qu\u2019Orange Co\u0302te d\u2019Ivoire et Sonatel de\u0301tiennent chacun 24 %.<\/p>\n
Autre point de dissemblance : le mode\u0300le e\u0301conomique. En France, la moitie\u0301 des clients le sont a\u0300 travers un contrat d\u2019assurance prote\u0301geant leur te\u0301le\u0301phone mobile. Sur le continent, le groupe de te\u0301le\u0301communication tricolore s\u2019est appuye\u0301 sur le succe\u0300s de son service de mobile money, une prestation qui n\u2019existe pas dans l\u2019Hexagone.<\/p>\n
OBA doit a\u0300 pre\u0301sent convertir ses quelque 13 millions de clients du mobile money vers la banque digitale. Toujours a\u0300 l\u2019e\u0301tude, la proce\u0301dure ne se fera pas sans le consentement des abonne\u0301s, mais elle constitue pour la banque une re\u0301serve de croissance sur le segment du pre\u0302t digital, pour lequel Orange Bank Africa compte de\u0301sormais 1,2 million de clients.<\/p>\n
Chaque mois, 10 milliards de F CFA (1,83 million d\u2019euros) de pico-cre\u0301dits (jusqu\u2019a\u0300 100 euros) qui leur sont alloue\u0301s. Si, dans sa phase de lancement, les pre\u0302ts propose\u0301s variaient de 5 000 a\u0300 100 000 F CFA, de\u0301sormais, ceux-ci peuvent atteindre le million de francs CFA. Destine\u0301s aux me\u0301nages, aux commerces et a\u0300 nombreux acteurs e\u0301conomiques, leur e\u0301che\u0301ance de remboursement s\u2019e\u0301tale de un a\u0300 six mois, pour des cre\u0301dits qui peuvent e\u0302tre contracte\u0301s en moins de 10 secondes.<\/p>\n
Direction le Se\u0301ne\u0301gal<\/b><\/p>\n
Selon nos informations, Chrystel Heydemann, la directrice ge\u0301ne\u0301rale d\u2019Orange, a re\u0301uni le 29 juin ses e\u0301tats-majors pour pre\u0301ciser que les activite\u0301s d\u2019OBA se poursuivront suivant le business plan et la strate\u0301gie de de\u0301veloppement, lesquels pre\u0301voient, de\u0300s 2025, un e\u0301quilibre et un re\u0301sultat net positif. \u00ab Notre re\u0301sultat est de\u0301rive\u0301 pour le moment, parce que nous avons pris du retard sur le lancement des autres pays d\u2019implantations \u00bb, explique, sous couvert d\u2019anonymat, un membre de la direction ge\u0301ne\u0301rale d\u2019Orange.<\/p>\n
Ainsi, la filiale pre\u0301pare toujours son implantation au Se\u0301ne\u0301gal, au plus tard a\u0300 la fin de l\u2019anne\u0301e. Ses dirigeants ont transmis une demande d\u2019agre\u0301ment a\u0300 la commission bancaire de la Banque centrale des E\u0301tats de l\u2019Afrique de l\u2019Ouest (BCEAO). Et apre\u0300s ? Le Burkina Faso et le Mali sont d\u2019ores et de\u0301ja\u0300 dans le viseur d\u2019OBA.<\/p>\n
La Source: JeuneAfrique.com<\/b><\/p>\n
Pour plus d’informations et d’analyses sur la Djibouti<\/a>, suivez Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Baudelaire Mieu Africa-Press – Djibouti. La filie\u0300re bancaire africaine du groupe de te\u0301le\u0301communications ne devrait pas e\u0302tre impacte\u0301e par les ne\u0301gociations exclusives pour les activite\u0301s de sa cons\u0153ur en France et en Espagne avec la banque commerciale franc\u0327aise. Les ne\u0301gociations entre BNP Paribas et Orange Bank en France et en Espagne n\u2019auront pas de conse\u0301quence […]<\/p>\n","protected":false},"author":82,"featured_media":14820,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,10],"tags":[36,49,50],"class_list":["post-14821","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-toutes-les-actualites","tag-africa-press","tag-africa-press-djibouti","tag-djibouti"],"yoast_head":"\n
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