{"id":91527,"date":"2025-03-26T00:00:00","date_gmt":"2025-03-25T21:00:00","guid":{"rendered":"https:\/\/www.capmad.com\/paiements-numeriques-le-nigeria-n1-de-labandon-des-especes\/"},"modified":"2025-03-26T12:00:34","modified_gmt":"2025-03-26T09:00:34","slug":"paiements-numeriques-le-nigeria-n1-de-labandon-des-especes","status":"publish","type":"post","link":"https:\/\/www.capmad.com\/fr\/finance-fr\/paiements-numeriques-le-nigeria-n1-de-labandon-des-especes\/","title":{"rendered":"Paiements num\u00e9riques : Le Nig\u00e9ria N\u00b01 de l&rsquo;abandon des esp\u00e8ces"},"content":{"rendered":"<p><b>D&rsquo;apr\u00e8s un r\u00e9cent rapport de Worldpay, le Nig\u00e9ria a connu la plus grande diminution de l&rsquo;utilisation des esp\u00e8ces \u00e0 l&rsquo;\u00e9chelle mondiale. Particuli\u00e8rement, en raison de l&rsquo;expansion rapide des transactions num\u00e9riques et des perc\u00e9es dans le domaine de la fintech.<\/b><\/p>\n<h2>Utilisation d&rsquo;argent liquide : &#8211; 59 % en 10 ans<\/h2>\n<p>De 2014 \u00e0 2024, l&rsquo;utilisation de l&rsquo;argent liquide a diminu\u00e9 de 59 % au Nig\u00e9ria. Ceci indique simplement la chute la plus importante parmi les sept principales \u00e9conomies o\u00f9 la monnaie physique a traditionnellement pr\u00e9valu. Les Philippines affichent une diminution de 43 %, l&rsquo;Indon\u00e9sie une chute de 44 %, le Mexique un d\u00e9clin de 41 %, le Japon une r\u00e9duction de 31 %, l&rsquo;Allemagne un abaissement de 24 % et enfin, la Colombie qui a enregistr\u00e9 une baisse de 22 %.<\/p>\n<p>Selon le rapport, qui a pris en compte 40 march\u00e9s internationaux repr\u00e9sentant 88 % du PIB mondial, la tendance \u00e0 la baisse de l&rsquo;utilisation de l&rsquo;argent liquide au Nig\u00e9ria se poursuivra. \u00c0 court terme, il devrait atteindre 32 % d&rsquo;ici 2030, alors que l&rsquo;usage des moyens de paiement num\u00e9riques ne cesse de cro\u00eetre.<\/p>\n<h2>Une strat\u00e9gie de la Banque centrale du Nig\u00e9ria<\/h2>\n<p>La refonte de la strat\u00e9gie de la Banque centrale du Nig\u00e9ria (CBN) en 2023 a constitu\u00e9 un point de basculement significatif dans l&rsquo;abandon du cash au Nig\u00e9ria. Cette d\u00e9marche avait pour objectif de r\u00e9duire l&rsquo;accumulation de liquidit\u00e9s et de combattre les activit\u00e9s financi\u00e8res ill\u00e9gales. Toutefois, cela a conduit \u00e0 une grave p\u00e9nurie de liquidit\u00e9s. En f\u00e9vrier 2023, la masse mon\u00e9taire a connu une baisse de 29,2 %. Il s&rsquo;agit du chiffre le plus bas consign\u00e9 depuis plus d&rsquo;une d\u00e9cennie.<\/p>\n<p>Tandis que les banques classiques avaient du mal \u00e0 traiter la croissance des requ\u00eates de transactions en ligne, des <a href=\"https:\/\/www.capmad.com\/fr\/business-fr\/fintech-5-cles-pour-reussir-en-2025\/\" target=\"_blank\" style=\"color: #eb612e\" rel=\"noopener\">entreprises de technologie financi\u00e8re<\/a> telles qu&rsquo;OPay et PalmPay se sont impos\u00e9es comme des intervenants de premier plan. Ces Fintech proposent des solutions de paiement num\u00e9rique \u00e0 la fois efficaces et fluides. Ces plateformes ont vite pris de l&rsquo;ampleur, r\u00e9volutionnant la fa\u00e7on dont les op\u00e9rations financi\u00e8res se font au Nigeria.<\/p>\n<h2>La technologie mobile comme moteur de croissance pour les Fintech<\/h2>\n<p>\u00ab Les Nig\u00e9rians se tournent de plus en plus vers les transactions sans esp\u00e8ces \u00bb, a affirm\u00e9 Uchenna Uzo, enseignant en marketing \u00e0 la Lagos Business School. D&rsquo;apr\u00e8s les informations du Syst\u00e8me de compensation interbancaire nig\u00e9rian (NIBSS), le pays op\u00e8re une transition notable vers les paiements num\u00e9riques. Le nombre de transactions \u00e9lectroniques a explos\u00e9, enregistrant une hausse de 1 514,2 %, passant de 793 millions en 2018 \u00e0 11,3 milliards en 2024 .<\/p>\n<p>Bien que l&rsquo;utilisation de l&rsquo;argent en esp\u00e8ces soit toujours r\u00e9pandue au Nig\u00e9ria, sa pr\u00e9valence a largement recul\u00e9. En 2019, les paiements en esp\u00e8ces constituaient 91 % de toutes les transactions, un pourcentage qui est actuellement descendu \u00e0 moins de 50 %. L&rsquo;\u00e9volution financi\u00e8re du Nig\u00e9ria est largement propuls\u00e9e par la technologie mobile. Cette solution facilite l&rsquo;acc\u00e8s aux services bancaires et de paiement num\u00e9rique pour des millions d&rsquo;individus. Avec l&rsquo;essor des portefeuilles \u00e9lectroniques, des plateformes Fintech et des options bancaires num\u00e9riques, le Nig\u00e9ria s&rsquo;affirme progressivement comme un acteur majeur de la transition vers une \u00e9conomie d\u00e9mat\u00e9rialis\u00e9e.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D&rsquo;apr\u00e8s un r\u00e9cent rapport de Worldpay, le Nig\u00e9ria a connu la plus grande diminution de l&rsquo;utilisation des esp\u00e8ces \u00e0 l&rsquo;\u00e9chelle mondiale. Particuli\u00e8rement, en raison de l&rsquo;expansion<span class=\"excerpt-hellip\">\u2026<\/span><\/p>\n","protected":false},"author":76,"featured_media":91529,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7945],"tags":[],"location":[8082],"class_list":["post-91527","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-fr","location-monde-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>Paiements num\u00e9riques : Le Nig\u00e9ria N\u00b01 de l&#039;abandon des esp\u00e8ces<\/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=\"Paiements num\u00e9riques : Le Nig\u00e9ria N\u00b01 de l&#039;abandon des esp\u00e8ces\" \/>\n<meta property=\"og:description\" content=\"D&rsquo;apr\u00e8s un r\u00e9cent rapport de Worldpay, le Nig\u00e9ria a connu la plus grande diminution de l&rsquo;utilisation des esp\u00e8ces \u00e0 l&rsquo;\u00e9chelle mondiale. Particuli\u00e8rement, en raison de l&rsquo;expansion\u2026\" \/>\n<meta property=\"og:site_name\" content=\"Capmad.com\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-25T21:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-26T09:00:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/capmad.lon1.digitaloceanspaces.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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