{"id":84874,"date":"2024-12-05T00:00:00","date_gmt":"2024-12-04T21:00:00","guid":{"rendered":"https:\/\/www.capmad.com\/dynamique-des-systemes-de-paiement-instantane-en-afrique\/"},"modified":"2024-12-05T15:00:27","modified_gmt":"2024-12-05T12:00:27","slug":"dynamique-des-systemes-de-paiement-instantane-en-afrique","status":"publish","type":"post","link":"https:\/\/www.capmad.com\/fr\/finance-fr\/dynamique-des-systemes-de-paiement-instantane-en-afrique\/","title":{"rendered":"Dynamique des syst\u00e8mes de paiement instantan\u00e9 en Afrique"},"content":{"rendered":"<p><b>L\u2019Afrique enregistre une performance remarquable en mati\u00e8re de paiements instantan\u00e9s avec 49 milliards de transactions trait\u00e9es en 2023 pour un total de 1 036 milliards USD. Cette observation provient d\u2019une \u00e9tude r\u00e9alis\u00e9e par AfricaNenda, en collaboration avec la Banque mondiale et la Commission \u00e9conomique pour l\u2019Afrique des Nations unies.\u00a0 Malgr\u00e9 ces chiffres impressionnants, aucun syst\u00e8me sur le continent n\u2019a encore atteint une maturit\u00e9 d\u2019inclusivit\u00e9.<\/b><\/p>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/notion_attachments\/84874\/file1733400026675195dac8c2bFr_-_1.webp\" \/><\/p>\n<h2>Croissance rapide et des d\u00e9fis structurels persistants<\/h2>\n<p>Entre 2019 et 2023, le volume des transactions par SPI progresse en moyenne de 37 % par an, tandis que la valeur augmente de 39 % annuellement. Cette tendance illustre l\u2019adoption rapide de ces syst\u00e8mes par les populations et les entreprises. Cependant, sur les 31 syst\u00e8mes actifs en 2024, aucun ne remplit pleinement les crit\u00e8res d&rsquo;inclusivit\u00e9, un param\u00e8tre essentiel pour garantir l\u2019accessibilit\u00e9 \u00e0 tous.<\/p>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/notion_attachments\/84874\/file1733400027675195db1a5b9Fr_-_2.webp\" \/><\/p>\n<p>Au total, l\u2019Afrique compte 28 syst\u00e8mes nationaux et 3 syst\u00e8mes r\u00e9gionaux en 2024. Parmi ces initiatives figurent le Syst\u00e8me panafricain de paiement et de r\u00e8glement (PAPSS), GIMACPAY de la zone Communaut\u00e9 \u00e9conomique et mon\u00e9taire de l&rsquo;Afrique centrale (CEMAC) et TCIB de la Communaut\u00e9 de d\u00e9veloppement d&rsquo;Afrique australe (SADEC). En outre, deux nouveaux syst\u00e8mes voient le jour r\u00e9cemment et sont KWiK en Angola et Le Switch au Lesotho. Parall\u00e8lement, trois plateformes sont exclues du recensement faute de r\u00e9pondre aux crit\u00e8res de disponibilit\u00e9 et de fonctionnalit\u00e9, notamment SYRAD de Djibouti et NamPay de Namibie.<\/p>\n<h3>R\u00e9partition et diversit\u00e9 des mod\u00e8les<\/h3>\n<p>Les solutions de transfert d\u2019argent en temps r\u00e9el sur le continent se r\u00e9partissent en quatre groupes :<\/p>\n<ul>\n<li>les syst\u00e8mes multi-domaines favorisant l\u2019interaction entre comptes bancaires et portefeuilles mobiles, dominent avec 14 plateformes.<\/li>\n<li>les syst\u00e8mes sp\u00e9cifiques \u00e0 l\u2019argent mobile : 9 plateformes recens\u00e9es.<\/li>\n<li>les syst\u00e8mes bancaires : qui sont actuellement 7.<\/li>\n<li>les syst\u00e8mes reposant sur une monnaie num\u00e9rique de la Banque centrale : un seul qui est le eNaira du Nigeria.<\/li>\n<\/ul>\n<p>Les SPI d\u2019argent mobile, malgr\u00e9 un volume sup\u00e9rieur de transactions, restent en retrait en termes de valeur totale trait\u00e9e. Les transactions de personne \u00e0 personne (P2P) constituent la norme adopt\u00e9e par l\u2019ensemble des syst\u00e8mes r\u00e9pertori\u00e9s. En revanche, seuls 24 syst\u00e8mes permettent des paiements de personne \u00e0 entreprise (P2B) et 12 autorisent les paiements de personne \u00e0 gouvernement (P2G). Les paiements transfrontaliers et ceux de gouvernement \u00e0 personne (G2P) demeurent limit\u00e9s \u00e0 6 plateformes chacun.<\/p>\n<h2>Technologie : moteurs et obstacles<\/h2>\n<p>L\u2019utilisation des applications mobiles pr\u00e9domine dans 30 syst\u00e8mes recens\u00e9s. Ces outils offrent une exp\u00e9rience personnalis\u00e9e et adapt\u00e9e aux besoins des utilisateurs. En parall\u00e8le, les protocoles USSD, accessibles sur des t\u00e9l\u00e9phones basiques, sont employ\u00e9s par 23 syst\u00e8mes.<\/p>\n<p>Cependant, cette technologie souffre de probl\u00e8mes de s\u00e9curit\u00e9, notamment l\u2019absence de cryptage des messages. D\u2019autres canaux comme les agents bancaires, les codes QR et la communication en champ proche (NFC) restent marginalement adopt\u00e9s. L\u2019acc\u00e8s universel \u00e0 des services fiables et s\u00e9curis\u00e9s d\u00e9pend donc de la diversification technologique et de l\u2019optimisation des infrastructures existantes.<\/p>\n<h3>Inclusion financi\u00e8re : des avanc\u00e9es et des limites<\/h3>\n<p>Le Ghana, seul pays avec une interop\u00e9rabilit\u00e9 compl\u00e8te de ses syst\u00e8mes, se distingue dans un paysage fragment\u00e9. Neuf syst\u00e8mes sur le continent montrent des progr\u00e8s vers une inclusivit\u00e9 accrue, dont Mobile Money Interoperability au Ghana et GIMACPAY en Afrique centrale. <\/p>\n<p>Ces plateformes tendent vers un mod\u00e8le id\u00e9al alliant co\u00fbts r\u00e9duits et couverture \u00e9largie des cas d\u2019utilisation, \u00e0 l\u2019image du <a href=\"https:\/\/www.capmad.com\/fr\/banque-fr\/services-bancaires-uemoa-le-paiement-instantane-bientot-lance\/\" target=\"_blank\" style=\"color: #eb612e\" rel=\"noopener\">syst\u00e8me de paiement instantan\u00e9 bient\u00f4t en vigueur dans la zone de l\u2019UEMOA<\/a>. Toutefois, une majorit\u00e9 des syst\u00e8mes reste \u00e0 un niveau de base, se limitant souvent \u00e0 un canal principal ou \u00e0 des fonctionnalit\u00e9s minimales. L\u2019accessibilit\u00e9 aux populations rurales, g\u00e9n\u00e9ralement exclues des services num\u00e9riques sophistiqu\u00e9s, repr\u00e9sente un d\u00e9fi majeur pour atteindre une inclusion financi\u00e8re \u00e9quitable.<\/p>\n<h3>Progr\u00e8s vers une inclusivit\u00e9 mature<\/h3>\n<p>Avec 27 pays en phase de pr\u00e9paration pour lancer leurs propres syst\u00e8mes, le nombre de plateformes actives pourrait doubler d\u2019ici quelques ann\u00e9es. Cette \u00e9volution vise \u00e0 enrichir l\u2019\u00e9ventail de services et \u00e0 renforcer l\u2019acc\u00e8s aux outils financiers num\u00e9riques. Cependant, l\u2019accent devra \u00eatre mis sur des crit\u00e8res comme l\u2019interop\u00e9rabilit\u00e9, la s\u00e9curit\u00e9 des donn\u00e9es et des co\u00fbts abordables pour garantir une adoption g\u00e9n\u00e9ralis\u00e9e.<\/p>\n<p>L\u2019harmonisation des cadres r\u00e9glementaires \u00e0 l\u2019\u00e9chelle continentale pourrait jouer un r\u00f4le cl\u00e9 dans l\u2019am\u00e9lioration des performances des syst\u00e8mes de paiement instantan\u00e9. Des partenariats strat\u00e9giques entre gouvernements, institutions financi\u00e8res et acteurs technologiques semblent indispensables pour surmonter les d\u00e9fis actuels. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019Afrique enregistre une performance remarquable en mati\u00e8re de paiements instantan\u00e9s avec 49 milliards de transactions trait\u00e9es en 2023 pour un total de 1 036 milliards USD.<span class=\"excerpt-hellip\">\u2026<\/span><\/p>\n","protected":false},"author":76,"featured_media":84876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7945],"tags":[],"location":[7949],"class_list":["post-84874","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-fr","location-afrique-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v25.4) - 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