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Première économie d’Afrique : Le Nigeria à la traîne en matière de banque mobile - Algerie360
La plus grande économie d’Afrique, le «Nigeria rate l’innovation financière la plus excitante de la région : l’argent mobile», estime un article publié sur le blog de la Banque mondiale examinant les «cinq façons» dont le pays «peut réaliser le potentiel de la technologie mobile pour les personnes non bancarisées».
En Afrique subsaharienne, 21% des adultes ont un compte d’argent mobile en 2017, soit près du double par rapport à 2014, selon le dernier rapport Global Findex de la Banque mondiale. «En revanche, le Nigeria est à la traîne : seulement 6% des adultes ont un compte d’argent mobile, un nombre pratiquement inchangé par rapport à 2014», affirme l’institution financière internationale. L’article relève l’extraordinaire expansion de l’argent mobile en Afrique subsaharienne, mais également en Afrique de l’Ouest et de l’Est au cours des trois dernières années. Pendant cette période, «la part de l’argent mobile est passée de 6% à 32% au Sénégal, avec des gains similaires au Burkina Faso», indique la BM dans son étude. «Au Ghana, 39% des adultes ont maintenant un compte d’argent mobile, en hausse de 13%, à égalité avec la Tanzanie. Au Kenya, plus de 70% des adultes utilisent un compte d’argent mobile. En outre, plus de 30% des adultes utilisent des téléphones mobiles pour effectuer des paiements à partir d’un compte bancaire traditionnel», ajoute la même source. Dans un processus inverse, c’est «la montée de l’argent mobile (qui) a conduit à une augmentation des comptes bancaires», estime la Banque mondiale qui note que «la possession de comptes bancaires dépasse maintenant 50% dans sept pays d’Afrique subsaharienne et 80% dans trois économies régionales». Le document de la Banque mondiale explique que l’argent mobile est un facteur «d’inclusion financière» qui peut «contribuer à réduire la pauvreté», citant l’exemple de «194 000 ménages kényans» pour qui ce monde de bancarisation «a permis aux femmes de passer de l’agriculture au commerce et à la vente au détail et a aidé les familles à constituer leur épargne». La faible participation de l’argent mobile au Nigeria «signifie que les gens peuvent manquer des occasions de participer à l’économie et d’améliorer la prospérité». «Les taux d’inclusion financière du Nigeria ont également stagné depuis 2014 où seulement 40% des adultes ont un compte bancaire».
Les opportunités
Mais toujours selon l’article du blog de la Banque mondiale, la «bonne nouvelle» c’est que «l’argent mobile a beaucoup de potentiel pour décoller au Nigeria». Citant des données de Global Findex (où les pays d’Afrique du Nord sont totalement absents), le document note que «70% des adultes ont un téléphone mobile» et que «35 millions d’adultes ne sont pas bancarisés, dont 20 millions de femmes». «Cela offre une formidable opportunité d’accroître l’argent mobile si l’infrastructure nécessaire, y compris le nombre d’agents, est mise en place». Comment ? L’article évoque «cinq façons». Il s’agit d’abord de «réformer le cadre réglementaire pour permettre aux filiales d’opérateurs de réseaux mobiles (MNO) de demander une licence d’opérateur d’argent mobile». Selon l’étude, les pays ayant une forte croissance de l’argent mobile «ont bénéficié de MNO engagées». «En revanche, le marché de l’argent mobile au Nigeria est dominé par les banques et les sociétés technologiques. Bien qu’ils jouent un rôle important, ils ne suffisent pas à eux seuls à débloquer le potentiel massif du Nigeria. Permettre aux filiales de MNO d’exploiter des services d’argent mobile pourrait encourager l’investissement privé et aider le Nigeria à adapter et appliquer les modèles qui ont réussi ailleurs», affirme l’article de la BM qui cite le cas du Ghana. Autre élément dans cette stratégie proposée, c’est de «développer le réseau d’agents», ces «magasins qui offrent des services de base aux utilisateurs d’argent mobile, tels que les dépôts, les retraits et les transferts». Cependant, ajoute le document, les MNO «ont besoin d’incitations» sous forme de «cadre réglementaire clair». «Numériser les paiements en espèces de routine», pour inclure les travailleurs «non bancarisés». «Près d’un adulte sur dix non bancarisé au Nigeria travaille dans le secteur privé et reçoit des salaires en espèces» et «15 millions d’adultes non bancarisés sont payés en espèces pour la vente de produits agricoles». En revanche, au Kenya et en Ouganda, «près d’un adulte sur six est un agriculteur dont les ventes agricoles sont versées directement sur un compte».
Numériser les transferts sociaux
Selon la BM, la numérisation des paiements (transferts, salaires et pensions) peut «réduire les fuites et la corruption potentielle». «Par exemple, l’Agence sud-africaine de Sécurité sociale a réduit de 54% les bénéficiaires de subventions sociales après la migration vers les paiements électroniques». Le document suggère aussi dans cette stratégie de création d’un écosystème de paiement mobile de «renforcer la protection des consommateurs». «Les gens n’utiliseront pas l’argent mobile s’ils s’inquiètent de la fraude et de la tromperie. C’est pourquoi il est important d’appliquer des règles strictes en matière de protection des consommateurs» notamment en matière de «paiements erronés et non autorisés», de la transparence des frais, la «protection des données», et le «règlement des différends». Enfin, le document de la Banque mondiale insiste pour «cibler les femmes» dans ce processus. «L’inclusion financière aide à lutter contre l’inégalité entre les sexes». «L’expansion des services financiers à tous les Nigérians est essentielle pour assurer que la plus grande économie de l’Afrique profite à tous. Les pays d’Afrique subsaharienne qui ont réussi à tirer parti des MNO et des réseaux d’agents pour fournir des services financiers ont le mieux réussi à atteindre leurs objectifs en matière d’inclusion financière», note le document qui précise que ces recommandations «sont alignées sur l’objectif d’Accès Financier Universel (UFA) du Groupe de la Banque mondiale pour garantir que les adultes du monde entier aient accès à un compte d’ici 2020».
A. Z.