{"id":78013,"date":"2024-07-12T00:00:00","date_gmt":"2024-07-11T21:00:00","guid":{"rendered":"https:\/\/www.capmad.com\/innovation-au-rwanda-cle-de-la-croissance-du-secteur-financier\/"},"modified":"2024-07-12T23:00:27","modified_gmt":"2024-07-12T20:00:27","slug":"innovation-au-rwanda-cle-de-la-croissance-du-secteur-financier","status":"publish","type":"post","link":"https:\/\/www.capmad.com\/fr\/finance-fr\/innovation-au-rwanda-cle-de-la-croissance-du-secteur-financier\/","title":{"rendered":"Innovation au Rwanda : Cl\u00e9 de la croissance du secteur financier"},"content":{"rendered":"<p><b>Les innovations dans le secteur financier jouent un r\u00f4le important dans la relance de l&rsquo;\u00e9conomie rwandaise. La croissance \u00e9conomique atteint en moyenne 7,2 % par an. Gr\u00e2ce aux services bancaires mobiles, au d\u00e9veloppement des r\u00e9seaux de communication et aux politiques ax\u00e9es sur la croissance, le secteur financier du Rwanda stimule la croissance de l&rsquo;\u00e9conomie. En effet, le Rwanda est l&rsquo;un des pays africains qui conna\u00eet la croissance la plus rapide.<\/b><\/p>\n<h2>Croissance des banques num\u00e9riques au Rwanda<\/h2>\n<p>Diverses initiatives sont mises en place pour promouvoir un syst\u00e8me financier sans esp\u00e8ces. L&rsquo;Association bancaire du Rwanda a lanc\u00e9 une plateforme de compensation de ch\u00e8ques en ligne, renfor\u00e7ant ainsi le d\u00e9veloppement vers une \u00e9conomie sans esp\u00e8ces. <b>La plupart des groupes financiers adoptent des initiatives de banque mobile et par Internet<\/b>.<\/p>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/notion_attachments\/78013\/file172081442666918b5ad6868innovation-au-rwanda-cle-de-la-croissance-du-secteur-financier-976x549-graphe_blog_rectangle_web-fr.webp\" \/><\/p>\n<p>Les services bancaires num\u00e9riques permettent de r\u00e9duire les co\u00fbts op\u00e9rationnels des institutions financi\u00e8res, en utilisant moins de ressources. Cela permet d&rsquo;\u00e9tendre les services du secteur financier \u00e0 des communaut\u00e9s auparavant marginalis\u00e9es. Un syst\u00e8me bancaire sans agence b\u00e9n\u00e9ficie \u00e9galement aux clients en leur offrant davantage de commodit\u00e9s.<\/p>\n<h2>Inclusion financi\u00e8re \u00e0 grande \u00e9chelle<\/h2>\n<p>Un syst\u00e8me financier efficace facilite la circulation de l&rsquo;argent, surtout dans le secteur informel. Il favorise \u00e9galement une plus grande participation des membres de la soci\u00e9t\u00e9 non bancaris\u00e9s. L&rsquo;augmentation du nombre d&rsquo;utilisateurs d&rsquo;Internet a permis d&rsquo;atteindre les caract\u00e9ristiques de performance du secteur financier.<\/p>\n<p>La participation croissante des entreprises de t\u00e9l\u00e9communications proposant des r\u00e9seaux \u00e0 large bande 4G LTE 8 et \u00e0 fibre optique avanc\u00e9s et rapides au Rwanda a contribu\u00e9 \u00e0 la croissance \u00e0 grande \u00e9chelle du secteur financier. <b>Le Rwanda a ainsi atteint le cap des 100 % de couverture mobile<\/b>. Les services bancaires mobiles, que les banques rwandaises int\u00e8grent \u00e0 leurs op\u00e9rations, continuent de favoriser les progr\u00e8s vers l\u2019inclusion financi\u00e8re.<\/p>\n<h2>Croissance des actifs financiers<\/h2>\n<p>L\u2019augmentation significative des actifs et des liquidit\u00e9s du secteur financier est provoqu\u00e9e par l\u2019augmentation de l\u2019inclusion financi\u00e8re et de la num\u00e9risation du syst\u00e8me financier. <b>La croissance annuelle des\u00a0 actifs liquides jusqu\u2019en juin 2020\u00a0 a \u00e9t\u00e9 sup\u00e9rieure de 18 % \u00e0 celle de 2019 pour le secteur bancaire<\/b>.<\/p>\n<p>Un secteur financier dot\u00e9 d\u2019institutions financi\u00e8res avec des r\u00e9serves de liquides disponibles est un gage de stabilit\u00e9. En cas de chocs syst\u00e9matiques, le secteur sera mieux plac\u00e9 pour supporter les pertes. Un secteur financier stable sert \u00e9galement \u00e0 attirer les investissements \u00e9trangers et,\u00a0 \u00e0\u00a0 ce titre, le Rwanda se classe parmi les\u00a0 pays les plus propices aux investissements\u00a0 sur le continent.<\/p>\n<h2>Concurrence sur un march\u00e9 ouvert<\/h2>\n<p>Le secteur bancaire rwandais est domin\u00e9 par trois grandes banques :\u00a0 la Banque de Kigali,\u00a0 la Banque populaire du Rwanda (BPR) et la Banque de D\u00e9veloppement du Rwanda (BRD). <b>Les trois grandes banques qui d\u00e9tiennent 60 % du march\u00e9<\/b> cr\u00e9ent un paysage de concurrence d\u00e9loyale avec les autres petites banques.<\/p>\n<p>Les clients \u00e9taient expos\u00e9s \u00e0 un environnement concurrentiel d\u00e9loyal. La num\u00e9risation via Internet et les services bancaires mobiles permettent une concurrence ouverte sur le march\u00e9, car la port\u00e9e des clients ne se limite plus \u00e0 la pr\u00e9sence g\u00e9ographique.<\/p>\n<p>La nouvelle approche bancaire a r\u00e9compens\u00e9 les entit\u00e9s dot\u00e9es de syst\u00e8mes num\u00e9riques efficaces et fiables. M\u00eame les petites institutions bancaires ont am\u00e9lior\u00e9 leur part de march\u00e9 \u00e0 moindre co\u00fbt. L\u2019\u00e8re de <a href=\"https:\/\/www.capmad.com\/fr\/developpement-durable-fr\/transports-ecologiques-les-bus-electriques-en-circulation-au-rwanda\/\" target=\"_blank\" style=\"color: #eb612e\" rel=\"noopener\">la technologie au Rwanda<\/a> a n\u00e9cessit\u00e9 de nouvelles fa\u00e7ons de faire face \u00e0 la concurrence qui ont grandement profit\u00e9 aux clients, car l\u2019innovation a propuls\u00e9 la croissance \u00e9conomique et le d\u00e9veloppement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les innovations dans le secteur financier jouent un r\u00f4le important dans la relance de l&rsquo;\u00e9conomie rwandaise. La croissance \u00e9conomique atteint en moyenne 7,2 % par an.<span class=\"excerpt-hellip\">\u2026<\/span><\/p>\n","protected":false},"author":76,"featured_media":78015,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7943],"tags":[],"location":[7961],"class_list":["post-78013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-en","location-afrique-de-lest-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v25.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Innovation au Rwanda : Cl\u00e9 de la croissance du secteur financier<\/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\" content=\"Innovation au Rwanda : Cl\u00e9 de la croissance du secteur financier\" \/>\n<meta property=\"og:description\" content=\"Les innovations dans le secteur financier jouent un r\u00f4le important dans la relance de l&rsquo;\u00e9conomie rwandaise. La croissance \u00e9conomique atteint en moyenne 7,2 % par an.\u2026\" \/>\n<meta property=\"og:site_name\" content=\"Capmad.com\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-11T21:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-12T20:00:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capmad.com\/wp-content\/uploads\/2023\/08\/Direct20traffic20meta20thumbnail_Plan20de20travail201.png\" \/>\n\t<meta property=\"og:image:width\" content=\"5000\" \/>\n\t<meta property=\"og:image:height\" content=\"2613\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Eric RAKOTONIAINA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric RAKOTONIAINA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta 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