{"id":81305,"date":"2024-09-23T00:00:00","date_gmt":"2024-09-22T21:00:00","guid":{"rendered":"https:\/\/www.capmad.com\/news\/%news-category%\/bientot-la-fin-des-transactions-financieres-par-cheque\/"},"modified":"2024-09-23T11:01:03","modified_gmt":"2024-09-23T08:01:03","slug":"bientot-la-fin-des-transactions-financieres-par-cheque","status":"publish","type":"news","link":"https:\/\/www.capmad.com\/fr\/news\/finance-fr\/bientot-la-fin-des-transactions-financieres-par-cheque\/","title":{"rendered":"Bient\u00f4t la fin des transactions financi\u00e8res par ch\u00e8que"},"content":{"rendered":"

Des discussions en cours avec les diff\u00e9rents acteurs \u00e9conomiques<\/h2>\n

D\u00e8s le 1\u1d49\u02b3 mai 2025, les Seychelles mettront fin progressivement \u00e0 l’utilisation des ch\u00e8ques dans les op\u00e9rations financi\u00e8res. L\u2019objectif est de faire progresser son syst\u00e8me financier vers un syst\u00e8me plus num\u00e9rique.<\/b><\/p>\n

Cette d\u00e9cision a \u00e9t\u00e9 prise \u00e0 la suite d’une diminution du nombre de transactions financi\u00e8res par ch\u00e8ques observ\u00e9e par la Banque centrale des Seychelles (CBS). Alors que celles par le biais des canaux num\u00e9riques \u00e9taient en hausse. Cela se fera en adoptant une approche graduelle. \u00c0 partir du 1\u1d49\u02b3 janvier 2025, les institutions bancaires mettront fin \u00e0 l’\u00e9mission de ch\u00e8ques pour les particuliers. Le 1\u1d49\u02b3 mai 2025 marque la fin de l’acceptation des ch\u00e8ques des particuliers par les banques.<\/p>\n

De plus, les institutions bancaires et la Seychelles Credit Union (SCU) mettront fin \u00e0 l’\u00e9mission de ch\u00e8ques pour les personnes non-r\u00e9sidentes \u00e0 partir du 1\u1d49\u02b3 janvier 2026 et \u00e0 l’acceptation de ch\u00e8ques des personnes non-r\u00e9sidentes \u00e0 partir du 1\u1d49\u02b3 mai 2026. Selon Liz Julienne, directrice de l’inclusion financi\u00e8re de la CBS, en 2023, environ 600 000 ch\u00e8ques ont \u00e9t\u00e9 utilis\u00e9s pour effectuer des transactions. Par comparaison, les transactions effectu\u00e9es par carte et par transfert \u00e9lectronique de fonds aux Seychelles (SEFT) ont d\u00e9pass\u00e9 les 10 millions.<\/p>\n

Selon Julienne, lors de leurs observations, ils ont remarqu\u00e9 plusieurs difficult\u00e9s concernant l’utilisation des ch\u00e8ques. CBS d\u00e9clare avoir eu de nombreuses discussions et consultations avec les secteurs priv\u00e9 et public, ainsi qu’avec d’autres entreprises avant de prendre cette d\u00e9cision. Les pr\u00e9occupations concernaient principalement le risque d’exclusion financi\u00e8re de certains groupes de la population qui sont tributaires de ce genre de transactions, ainsi que les co\u00fbts et les d\u00e9penses li\u00e9s \u00e0 l’utilisation de solutions financi\u00e8res num\u00e9riques.<\/p>\n

Selon la CBS, elle collabore r\u00e9guli\u00e8rement avec diff\u00e9rents partenaires afin d’assurer que toutes ces pr\u00e9occupations soient prises en consid\u00e9ration, afin de faciliter les transitions de mani\u00e8re aussi fluide que possible.<\/p>\n","protected":false},"excerpt":{"rendered":"

Des discussions en cours avec les diff\u00e9rents acteurs \u00e9conomiques D\u00e8s le 1\u1d49\u02b3 mai 2025, les Seychelles mettront fin progressivement \u00e0 l’utilisation des ch\u00e8ques dans les op\u00e9rations\u2026<\/span><\/p>\n","protected":false},"author":76,"featured_media":81307,"comment_status":"open","ping_status":"open","template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"news-category":[8024],"news-location":[8010],"class_list":["post-81305","news","type-news","status-publish","format-standard","has-post-thumbnail","hentry","news-category-finance-fr","news-location-seychelles-fr"],"acf":[],"yoast_head":"\nBient\u00f4t la fin des transactions financi\u00e8res par ch\u00e8que<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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