Africa-Press – Senegal. <\/strong><\/span>Convaincu que les services financiers sur mobile sont un des moteurs du de\u0301veloppement du continent, le vice-pre\u0301sident exe\u0301cutif de Huawei Northern Africa appelle a\u0300 des partenariats plus profonds entre ope\u0301rateurs te\u0301le\u0301coms, fournisseurs de technologies et gouvernements.<\/p>\nL\u2019Afrique est a\u0300 l\u2019avant-garde d\u2019une re\u0301volution silencieuse qui transforme les socie\u0301te\u0301s et rede\u0301finit les e\u0301conomies e\u0301mergentes: celle du mobile money. Avec 36,7 milliards de transactions totalisant 701,4 milliards de dollars en 2021, le continent domine le paysage mondial de ce secteur, concentrant plus des deux tiers des 1 000 milliards de dollars ayant transite\u0301 via ces services a\u0300 l\u2019e\u0301chelle mondiale.<\/p>\n
Cette dynamique n\u2019est pas un hasard. Elle est le fruit d\u2019une de\u0301cennie d\u2019innovation et d\u2019adoption massive qui illustre la capacite\u0301 unique du continent a\u0300 tirer parti des technologies nume\u0301riques pour proposer des solutions adapte\u0301es aux besoins locaux, et par un engagement a\u0300 inclure les populations les plus e\u0301loigne\u0301es des syste\u0300mes financiers traditionnels.<\/p>\n
A\u0300 mesure que l\u2019e\u0301cosyste\u0300me continue de croi\u0302tre et de se diversifier, le potentiel du mobile money n\u2019en est que plus prometteur. De\u0301passant de\u0301sormais le simple cadre des paiements et des transferts d\u2019argent, il s\u2019impose comme une re\u0301ponse globale a\u0300 des besoins essentiels: acce\u0300s au cre\u0301dit pour financer des activite\u0301s, e\u0301pargne pour se\u0301curiser l\u2019avenir, ou encore assurance pour se pre\u0301munir contre les ale\u0301as de la vie. Il est devenu un levier strate\u0301gique pour acce\u0301le\u0301rer la transformation digitale et stimuler la croissance dans les marche\u0301s e\u0301mergents.<\/p>\n
Une compe\u0301titivite\u0301 accrue pour les e\u0301conomies e\u0301mergentes<\/b><\/p>\n
En inte\u0301grant des services diversifie\u0301s et des technologies avance\u0301es, le mobile money est ainsi a\u0300 la croise\u0301e des enjeux technologiques, e\u0301conomiques et sociaux, offrant des solutions a\u0300 la fois inclusives et innovantes.<\/p>\n
Prenons l\u2019exemple de telebirr, l\u2019application d\u2019argent mobile de\u0301veloppe\u0301e par Ethio-Telecom, qui a e\u0301volue\u0301 en une ve\u0301ritable Super App pour pallier le manque d\u2019offres diversifie\u0301es. Elle offre aujourd\u2019hui une gamme comple\u0300te de services: commerce e\u0301lectronique, paiements de factures, transports publics, et bien plus encore. En trois ans a\u0300 peine, telebirr a de\u0301passe\u0301 les 40 millions d\u2019utilisateurs, avec un volume mensuel de transactions atteignant 30 % du PIB e\u0301thiopien en mars 2023.<\/p>\n
Ce succe\u0300s repose sur une vision strate\u0301gique claire, incarne\u0301e par le mode\u0300le des marche\u0301s e\u0301mergents 2.0, qui rede\u0301finit le ro\u0302le des ope\u0301rateurs te\u0301le\u0301com dans les marche\u0301s en de\u0301veloppement et e\u0301tablit un nouveau cadre pour l\u2019e\u0301conomie nume\u0301rique. En partenariat avec Huawei, Ethio-Telecom a construit une infrastructure nume\u0301rique robuste, inte\u0301gre\u0301 une infrastructure cloud, et de\u0301ploye\u0301 des plateformes ope\u0301rationnelles pour offrir des services adapte\u0301s aux besoins re\u0301els des populations.<\/p>\n
Cette transformation a permis a\u0300 l\u2019ope\u0301rateur de passer d\u2019un ro\u0302le traditionnel a\u0300 celui d\u2019un acteur cle\u0301 de l\u2019e\u0301conomie nume\u0301rique et intelligente e\u0301thiopienne, ouvrant la voie a\u0300 de nouveaux usages et a\u0300 une inclusion financie\u0300re a\u0300 grande e\u0301chelle. Plus encore, ce mode\u0300le ouvre des perspectives de compe\u0301titivite\u0301 accrue pour les e\u0301conomies e\u0301mergentes africaines, tout en attirant les investisseurs e\u0301trangers.<\/p>\n
L\u2019avenir des marche\u0301s e\u0301mergents repose sur leur capacite\u0301 a\u0300 inte\u0301grer ces solutions dans des strate\u0301gies globales de de\u0301veloppement.<\/p>\n
Cet exemple illustre un point fondamental: la re\u0301ussite du mobile money repose sur la coope\u0301ration entre ope\u0301rateurs te\u0301le\u0301coms, fournisseurs de technologies et gouvernements. Ces partenariats permettent de concevoir des solutions durables qui allient impact social et viabilite\u0301 e\u0301conomique.<\/p>\n
Connecter les zones rurales<\/b><\/p>\n
En mettant en commun expertise technique et compre\u0301hension des besoins locaux, ces acteurs deviennent des catalyseurs de transformation pour des millions d\u2019Africains et participent a\u0300 la dynamisation des e\u0301conomies nationales. Tout en redessinant la carte e\u0301conomique du continent, ces innovations donnent a\u0300 l\u2019Afrique un ro\u0302le central dans la re\u0301volution nume\u0301rique mondiale.<\/p>\n
Loin d\u2019e\u0302tre un simple outil technologique, le mobile money est devenu le moteur d\u2019un changement syste\u0301mique, prouvant que l\u2019innovation africaine n\u2019est pas seulement un exemple re\u0301gional, mais un mode\u0300le pour le monde entier. A\u0300 mesure que les e\u0301cosyste\u0300mes nume\u0301riques continuent de croi\u0302tre, les lec\u0327ons tire\u0301es des succe\u0300s comme telebirr montrent que la technologie peut transformer profonde\u0301ment des e\u0301conomies entie\u0300res et contribuer a\u0300 un de\u0301veloppement durable et inclusif.<\/p>\n
Cependant, bien que des de\u0301fis subsistent, tels que la connectivite\u0301 dans les zones rurales ou l\u2019e\u0301volution des cadres re\u0301glementaires, ces enjeux repre\u0301sentent autant d\u2019opportunite\u0301s pour renforcer la collaboration entre acteurs publics et prive\u0301s, et acce\u0301le\u0301rer le de\u0301veloppement.<\/p>\n
L\u2019avenir des marche\u0301s e\u0301mergents repose sur leur capacite\u0301 a\u0300 inte\u0301grer ces solutions dans des strate\u0301gies globales de de\u0301veloppement.<\/p>\n
Le mobile money ne se contente pas d\u2019accompagner cette transformation: il en est le moteur, bouleversant les mode\u0300les traditionnels et ouvrant des perspectives ine\u0301dites pour des millions de personnes a\u0300 travers le monde. La re\u0301volution est en marche, et l\u2019Afrique en montre la voie.<\/p>\n
Pour plus d’informations et d’analyses sur la Senegal<\/span>, suivez Africa-Press<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Jeremy Lin – Vice-pr\u00e9sident ex\u00e9cutif de Huawei Northern Africa Africa-Press – Senegal. Convaincu que les services financiers sur mobile sont un des moteurs du de\u0301veloppement du continent, le vice-pre\u0301sident exe\u0301cutif de Huawei Northern Africa appelle a\u0300 des partenariats plus profonds entre ope\u0301rateurs te\u0301le\u0301coms, fournisseurs de technologies et gouvernements. L\u2019Afrique est a\u0300 l\u2019avant-garde d\u2019une re\u0301volution silencieuse […]<\/p>\n","protected":false},"author":82,"featured_media":64619,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,3,10],"tags":[44],"class_list":["post-64620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dossiers","category-economie","category-toutes-les-actualites","tag-senegal-2"],"yoast_head":"\n
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