{"id":41327,"date":"2026-03-11T13:30:00","date_gmt":"2026-03-11T13:30:00","guid":{"rendered":"https:\/\/new.igihe.com\/french\/L-acces-aux-services-financiers-en-Afrique-freine-par-le-cout-eleve-des-41327\/"},"modified":"2026-03-11T13:53:06","modified_gmt":"2026-03-11T13:53:06","slug":"L-acces-aux-services-financiers-en-Afrique-freine-par-le-cout-eleve-des","status":"publish","type":"post","link":"https:\/\/new.igihe.com\/french\/L-acces-aux-services-financiers-en-Afrique-freine-par-le-cout-eleve-des\/","title":{"rendered":"L\u2019acc\u00e8s aux services financiers en Afrique frein\u00e9 par le co\u00fbt \u00e9lev\u00e9 des paiements transfrontaliers"},"content":{"rendered":"<p>S\u2019exprimant lors d\u2019un forum sur la technologie financi\u00e8re visant \u00e0 promouvoir l\u2019acc\u00e8s universel aux services financiers ce 10 mars, le ministre a not\u00e9 que le commerce entre villes, pays et \u00e0 l\u2019\u00e9chelle continentale reste notamment frein\u00e9 par des difficult\u00e9s li\u00e9es aux paiements.<\/p>\n<p>\u00ab\u202fLe fait que notre continent utilise la technologie Mobile Money et tende vers l\u2019inclusion financi\u00e8re ne signifie pas que tout est accompli\u202f; c\u2019est un processus visant \u00e0 offrir des services financiers de mani\u00e8re efficace. Il faut toutefois atteindre les 350\u202fmillions d\u2019Africains qui n\u2019ont pas acc\u00e8s aux services financiers, ainsi que les millions de petites et moyennes entreprises affaiblies par les obstacles aux paiements\u202f\u00bb, a-t-il d\u00e9clar\u00e9.<\/p>\n<p>Selon les statistiques, 96\u202f% des Rwandais ont acc\u00e8s aux services financiers, dont 91\u202f% utilisent Mobile Money pour effectuer des transactions. En 2023, environ 2,5\u202fmilliards de dollars \u00e9taient transf\u00e9r\u00e9s chaque jour via Mobile Money sur le continent africain, dont 50\u202f% en Afrique subsaharienne.<\/p>\n<p>Le Ministre a \u00e9galement pr\u00e9cis\u00e9 que de nombreuses institutions financi\u00e8res africaines pr\u00e9l\u00e8vent entre 8\u202f% et 10\u202f% de l\u2019argent transf\u00e9r\u00e9, un co\u00fbt parmi les plus \u00e9lev\u00e9s au monde.<\/p>\n<p>Sebahizi a par ailleurs affirm\u00e9 que les accords du march\u00e9 unique africain sur le commerce \u00e9lectronique repr\u00e9sentent une avanc\u00e9e majeure, pr\u00e9cisant que le minist\u00e8re met tout en \u0153uvre pour en assurer la mise en \u0153uvre.<\/p>\n<p>Pour sa part, Zahid Mustafa, Directeur g\u00e9n\u00e9ral de I&#038;M Bank en Tanzanie, a expliqu\u00e9 que l\u2019usage des technologies permet d\u2019atteindre simultan\u00e9ment un grand nombre de clients et de faciliter les paiements.<\/p>\n<p>\u00ab\u202fDepuis l\u2019introduction de la technologie, nous avons pu atteindre beaucoup plus de clients. Selon les informations, nous figurons parmi les banques ayant le plus grand nombre de clients \u00e0 Zanzibar\u202f\u00bb, a-t-il indiqu\u00e9.<\/p>\n<p>Il a \u00e9galement not\u00e9 qu\u2019au cours des dix \u00e0 douze derni\u00e8res ann\u00e9es, le nombre de personnes poss\u00e9dant un t\u00e9l\u00e9phone a fortement augment\u00e9, ce qui a permis \u00e0 I&#038;M Bank d\u2019\u00e9largir sa client\u00e8le.<\/p>\n<p>Enfin, Sitah Lang\u2019o, Directrice g\u00e9n\u00e9rale de SWIFT pour l\u2019Afrique de l\u2019Est et de l\u2019Ouest, a pr\u00e9sent\u00e9 le Swift Scheme, un projet visant \u00e0 connecter les institutions financi\u00e8res afin de rendre les transferts d\u2019argent entre utilisateurs de banques diff\u00e9rentes plus abordables.<\/p>\n<figure class=\"spip-document spip-document-72652 aligncenter\"><img decoding=\"async\" src=\"https:\/\/fr.igihe.com\/IMG\/jpg\/f4-12.jpg\" alt=\"Le Ministre du Commerce et de l\u2019Industrie, Prudence Sebahizi, a alert\u00e9 sur les obstacles persistants dans le secteur des services financiers en Afrique\" \/><\/figure>\n<figure class=\"spip-document spip-document-72654 aligncenter\"><img decoding=\"async\" src=\"https:\/\/fr.igihe.com\/IMG\/jpg\/f2-23.jpg\" alt=\"La conf\u00e9rence se tenait ce 10 mars 2026\" \/><\/figure>\n<figure class=\"spip-document spip-document-72655 aligncenter\"><img decoding=\"async\" src=\"https:\/\/fr.igihe.com\/IMG\/jpg\/f1-20.jpg\" alt=\"Zahid Mustafa, Directeur g\u00e9n\u00e9ral de I&amp;M Bank en Tanzanie, a expliqu\u00e9 que l\u2019usage des technologies permet d\u2019atteindre simultan\u00e9ment un grand nombre de clients\" \/><\/figure>\n<figure class=\"spip-document spip-document-72653 aligncenter\"><img decoding=\"async\" src=\"https:\/\/fr.igihe.com\/IMG\/jpg\/f3-16.jpg\" alt=\"Les participants ont sugg\u00e9r\u00e9 de renforcer les infrastructures soutenant les services financiers afin de favoriser un d\u00e9veloppement accru de l\u2019Afrique\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Le Ministre du Commerce et de l\u2019Industrie, Prudence Sebahizi, a alert\u00e9 sur les obstacles persistants dans le secteur des services financiers en Afrique, malgr\u00e9 le d\u00e9veloppement rapide des technologies.<\/p>\n","protected":false},"author":488,"featured_media":4000072651,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7534],"tags":[7605],"byline":[7717],"hashtag":[],"class_list":["post-41327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sciences-technologies","tag-homenews","byline-igihe"],"bylines":[{"id":7717,"name":"IGIHE","slug":"igihe","description":"","image":{"id":0,"url":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&f=y&r=g","alt":"Default avatar","title":"Default 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