{"id":5632,"date":"2021-08-04T23:18:19","date_gmt":"2021-08-04T23:18:19","guid":{"rendered":"https:\/\/www.africa-press.net\/mali\/?p=5632"},"modified":"2021-08-04T22:40:57","modified_gmt":"2021-08-04T22:40:57","slug":"mobile-money-les-tarifs-en-question","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/mali\/homepage-french\/mobile-money-les-tarifs-en-question","title":{"rendered":"Mobile money : Les tarifs en question"},"content":{"rendered":"

Africa-Press<\/a> – Mali<\/a>. <\/strong><\/span>Les consommateurs jugent prohibitifs les prix pratiqu\u00e9s par les op\u00e9rateurs. Pis, dans un pays voisin, les transactions co\u00fbtent moins cher. Nous avons approch\u00e9 les acteurs du secteur pour trouver des explications \u00e0 cette situation<\/p>\n

D\u00e9poser, retirer ou transf\u00e9rer de l\u2019argent depuis son t\u00e9l\u00e9phone portable, cela est aujourd\u2019hui possible gr\u00e2ce aux innovations technologiques. Fruit de cette autre r\u00e9volution industrielle, le mobile money a boulevers\u00e9 les habitudes dans le secteur financier gr\u00e2ce \u00e0 sa flexibilit\u00e9 et son adaptabilit\u00e9 aux r\u00e9alit\u00e9s des usagers. Les habitants des zones enclav\u00e9es ou recul\u00e9es et mal desservies par les services financiers classiques envoient et re\u00e7oivent de l\u2019argent depuis leurs t\u00e9l\u00e9phones.<\/p>\n

Cette avanc\u00e9e notoire participe \u00e0 l\u2019inclusion financi\u00e8re en tirant vers le haut le taux global de bancarisation. En d\u00e9pit de ce progr\u00e8s, des disparit\u00e9s de tarification entre abonn\u00e9s de diff\u00e9rentes zones sont constat\u00e9es et d\u00e9plor\u00e9es par les clients. Au S\u00e9n\u00e9gal voisin par exemple, les frais de retrait pour un d\u00e9p\u00f4t de 5.000 Fcfa via Orange money co\u00fbtent 50 Fcfa, contre 190 Fcfa pour la m\u00eame op\u00e9ration au Mali. Comment comprendre cette disparit\u00e9 ? Existe-t-il v\u00e9ritablement un mode de tarification en la mati\u00e8re ?<\/p>\n

\u00e0 ces questions les acteurs concern\u00e9s apportent des r\u00e9ponses diverses. \u00e0 l\u2019Autorit\u00e9 malienne de r\u00e9gulation des t\u00e9l\u00e9communications, des technologies de l\u2019information et de la communication et des postes (AMRTP), le service en charge de l\u2019\u00e9conomie et de la concurrence travaille sur cette probl\u00e9matique. Rencontr\u00e9s \u00e0 leur bureau, \u00e0 l\u2019ACI 2000, ses responsables notent : \u00abPour le profane, tout ce qui a trait au mobile money, est g\u00e9r\u00e9 par le r\u00e9gulateur l\u2019AMRTP, tout simplement parce que le service est rendu au moyen des ressources de t\u00e9l\u00e9communication\u00bb.<\/p>\n

Dans la r\u00e9alit\u00e9, tranchent-ils, le volet finance ne rel\u00e8ve pas directement de l\u2019Autorit\u00e9 de r\u00e9gulation, il doit \u00eatre assur\u00e9 par la Banque centrale des \u00e9tats de l\u2019Afrique de l\u2019Ouest (BCEAO). \u00abC\u2019est \u00e0 cette institution financi\u00e8re de prendre en charge toutes les mesures n\u00e9cessaires pour pouvoir r\u00e9guler ce secteur, car il s\u2019agit plus de finance que de technologie\u00bb, soutient-on \u00e0 l\u2019AMRTP, ajoutant que c\u2019est la BCEAO qui d\u00e9livre aux op\u00e9rateurs l\u2019autorisation d\u2019exercer cette activit\u00e9 financi\u00e8re.<\/p>\n

PLUS DE 10 MILLIONS DE CLIENTS- Contact\u00e9e par courrier, la Banque centrale r\u00e9pond qu\u2019elle ne r\u00e9gule ni ne fixe les tarifs des op\u00e9rations effectu\u00e9es via le mobile money. Les tarifs sont fix\u00e9s librement par les \u00e9tablissements concern\u00e9s, explique le directeur national de la BCEAO pour le Mali, dans une lettre en r\u00e9ponse \u00e0 notre requ\u00eate. Par ailleurs, rappelle Konzo Traor\u00e9, les op\u00e9rateurs ont l\u2019obligation de mettre \u00e0 la disposition de leur client\u00e8le, de fa\u00e7on accessible, les conditions tarifaires applicables \u00e0 leurs op\u00e9rations.<\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – Mali. Les consommateurs jugent prohibitifs les prix pratiqu\u00e9s par les op\u00e9rateurs. Pis, dans un pays voisin, les transactions co\u00fbtent moins cher. Nous avons approch\u00e9 les acteurs du secteur pour trouver des explications \u00e0 cette situation D\u00e9poser, retirer ou transf\u00e9rer de l\u2019argent depuis son t\u00e9l\u00e9phone portable, cela est aujourd\u2019hui possible gr\u00e2ce aux innovations technologiques. […]<\/p>\n","protected":false},"author":82,"featured_media":5631,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,11,17],"tags":[76,86,19],"class_list":["post-5632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-homepage-french","category-toutes-les-actualites","tag-africa-press","tag-africa-press-mali","tag-mali"],"yoast_head":"\nMobile money : Les tarifs en question - Mali<\/title>\n<meta name=\"description\" content=\"Les consommateurs jugent prohibitifs les prix pratiqu\u00e9s par les op\u00e9rateurs. 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