{"id":9902,"date":"2026-05-23T15:46:56","date_gmt":"2026-05-23T13:46:56","guid":{"rendered":"https:\/\/zoomafricanews.com\/?p=9902"},"modified":"2026-05-23T15:46:56","modified_gmt":"2026-05-23T13:46:56","slug":"%d9%83%d9%8a%d9%81-%d8%a3%d8%b5%d8%a8%d8%ad%d8%aa-%d8%a5%d9%81%d8%b1%d9%8a%d9%82%d9%8a%d8%a7-%d8%b3%d8%a7%d8%ad%d8%a9-%d9%84%d8%ad%d8%b1%d9%88%d8%a8-%d8%a7%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88","status":"publish","type":"post","link":"https:\/\/zoomafricanews.com\/fr\/%d9%83%d9%8a%d9%81-%d8%a3%d8%b5%d8%a8%d8%ad%d8%aa-%d8%a5%d9%81%d8%b1%d9%8a%d9%82%d9%8a%d8%a7-%d8%b3%d8%a7%d8%ad%d8%a9-%d9%84%d8%ad%d8%b1%d9%88%d8%a8-%d8%a7%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88\/","title":{"rendered":"Comment l&#039;Afrique est-elle devenue le th\u00e9\u00e2tre de guerres technologiques financi\u00e8res ?"},"content":{"rendered":"<p><strong>\u00c9crit par : Mohammed Omran<\/strong><\/p>\n<p data-start=\"215\" data-end=\"783\">Dans les rues anim\u00e9es de Lagos et sur les plateformes num\u00e9riques de Nairobi, une des batailles \u00e9conomiques les plus dynamiques au monde fait rage. Au-del\u00e0 des banques traditionnelles, les entreprises de la fintech se livrent une course effr\u00e9n\u00e9e pour b\u00e2tir l&#039;avenir. <a href=\"https:\/\/zoomafricanews.com\/fr\/%d8%a7%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d9%81%d9%8a-%d8%a3%d9%81%d8%b1%d9%8a%d9%82%d9%8a%d8%a7\/\"><strong>services financiers<\/strong> <\/a>En Afrique, tirer parti de l&#039;utilisation g\u00e9n\u00e9ralis\u00e9e des t\u00e9l\u00e9phones portables et de l&#039;existence de centaines de millions de personnes qui ne sont toujours pas int\u00e9gr\u00e9es au syst\u00e8me bancaire.<\/p>\n<figure style=\"width: 2560px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecss.com.eg\/wp-content\/uploads\/2024\/02\/business-man-using-labtop-with-globe-hologram-icons-artificial-intelligencebig-data-science-innovation-technology-cloud-computing-futuristic-internet-network-communication-concept-scaled.jpg\" alt=\"\u0642\u0641\u0632\u0629 \u0643\u0628\u0631\u0649 \u0641\u064a \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a.. \u062f\u0631\u0648\u0633 \u0645\u0646 \u0627\u0644\u0647\u0646\u062f - \u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u0645\u0635\u0631\u064a \u0644\u0644\u0641\u0643\u0631 \u0648\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0625\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629\" width=\"2560\" height=\"1707\" \/><figcaption class=\"wp-caption-text\">Guerres de la fintech<\/figcaption><\/figure>\n<h2 data-start=\"215\" data-end=\"783\">Comment l&#039;Afrique est-elle devenue un champ de bataille pour les technologies financi\u00e8res ?<\/h2>\n<p data-start=\"215\" data-end=\"783\">Avec l&#039;afflux d&#039;investissements et la d\u00e9pendance croissante aux paiements num\u00e9riques, le continent est devenu un terrain de concurrence f\u00e9roce o\u00f9 les startups, les institutions financi\u00e8res et les investisseurs mondiaux cherchent \u00e0 conqu\u00e9rir une part d&#039;un march\u00e9 qui devrait fa\u00e7onner l&#039;avenir de l&#039;\u00e9conomie num\u00e9rique africaine dans les ann\u00e9es \u00e0 venir.<\/p>\n<p data-start=\"785\" data-end=\"1308\">Alors que la premi\u00e8re vague de technologies financi\u00e8res a r\u00e9ussi \u00e0 r\u00e9volutionner les services de paiement et de transfert, on estime que la nouvelle phase de croissance s&#039;orientera vers des domaines plus complexes, notamment les pr\u00eats num\u00e9riques, le cr\u00e9dit bas\u00e9 sur les donn\u00e9es, l&#039;open banking et les paiements transfrontaliers.<\/p>\n<p data-start=\"785\" data-end=\"1308\">Alors que les revenus du secteur devraient se multiplier plusieurs fois d&#039;ici la fin de la d\u00e9cennie, des questions se posent quant aux raisons pour lesquelles l&#039;Afrique est devenue le principal terrain d&#039;affrontement des technologies financi\u00e8res, quant aux acteurs qui m\u00e8nent cette course et quant \u00e0 la mani\u00e8re dont cette concurrence pourrait remodeler le syst\u00e8me financier du continent.<\/p>\n<figure style=\"width: 900px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ultra-vision.net\/wp-content\/uploads\/2022\/06\/%D9%85%D8%AF%D8%AE%D9%84-%D8%A5%D9%84%D9%89-%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7-%D8%A7%D9%84%D9%85%D8%B9%D9%84%D9%88%D9%85%D8%A7%D8%AA.jpg\" alt=\"\u0645\u0627 \u0647\u064a \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 - Ultra Vision\" width=\"900\" height=\"600\" \/><figcaption class=\"wp-caption-text\">Guerres de la fintech<\/figcaption><\/figure>\n<p data-start=\"175\" data-end=\"717\">En Afrique, la technologie financi\u00e8re ne se r\u00e9sume pas \u00e0 une croissance rapide, mais aussi \u00e0 une concurrence f\u00e9roce entre les startups, les banques, les op\u00e9rateurs de t\u00e9l\u00e9communications et les investisseurs mondiaux qui cherchent \u00e0 contr\u00f4ler l&#039;infrastructure financi\u00e8re num\u00e9rique du continent.<\/p>\n<p data-start=\"175\" data-end=\"717\">Au Nig\u00e9ria, des entreprises telles que Flutterwave, Moneypoint et OPay rivalisent pour \u00e9tendre leur influence dans les paiements num\u00e9riques, les services bancaires et la finance d&#039;entreprise, tandis que le Kenya continue de maintenir sa position de centre n\u00e9vralgique de l&#039;innovation financi\u00e8re gr\u00e2ce au succ\u00e8s des services de paiement mobile qui ont transform\u00e9 les transactions financi\u00e8res en Afrique de l&#039;Est.<\/p>\n<p data-start=\"719\" data-end=\"1200\">\u00c0 mesure que le secteur a m\u00fbri, la concurrence est pass\u00e9e de la simple conqu\u00eate des utilisateurs au contr\u00f4le de ce que les experts du secteur appellent la \u201d plomberie financi\u00e8re \u201d, c&#039;est-\u00e0-dire l&#039;infrastructure qui sous-tend les paiements, le cr\u00e9dit et les transferts transfrontaliers.<\/p>\n<p data-start=\"719\" data-end=\"1200\">Le march\u00e9 est \u00e9galement t\u00e9moin d&#039;une vague de fusions-acquisitions, notamment l&#039;acquisition par Flutterwave de Mono, une soci\u00e9t\u00e9 sp\u00e9cialis\u00e9e dans les infrastructures bancaires ouvertes, une op\u00e9ration qui refl\u00e8te la tendance des grandes entreprises \u00e0 construire des syst\u00e8mes financiers int\u00e9gr\u00e9s qui s&#039;\u00e9tendent sur les diff\u00e9rents march\u00e9s du continent.<\/p>\n<h3 data-section-id=\"1d0yl2b\" data-start=\"1310\" data-end=\"1339\"><\/h3>\n<p data-start=\"1341\" data-end=\"1669\">L\u2019Afrique s\u2019est officiellement impos\u00e9e comme le march\u00e9 fintech \u00e0 la croissance la plus rapide au monde, les revenus du secteur devant \u00eatre multipli\u00e9s par pr\u00e8s de 13 pour atteindre environ 65 milliards de dollars d\u2019ici 2030. Le continent repr\u00e9sente d\u00e9j\u00e0 741 TP3T du total mondial des transactions de monnaie mobile, ce qui refl\u00e8te l\u2019ampleur de la transformation que les services financiers num\u00e9riques ont connue ces derni\u00e8res ann\u00e9es.<\/p>\n<figure style=\"width: 1072px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/euromatech-me.com\/wp-content\/uploads\/2024\/07\/%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7-%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9-FinTech-%D9%83%D9%8A%D9%81-%D8%AA%D8%BA%D9%8A%D8%B1-%D8%A7%D9%84%D9%85%D8%B4%D9%87%D8%AF-%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A-%D8%A7%D9%84%D8%B9%D8%A7%D9%84%D9%85%D9%8A%D8%9F.jpg\" alt=\"\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FinTech): \u0643\u064a\u0641 \u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u061f | \u064a\u0648\u0631\u0648\u0645\u0627\u062a\u064a\u0643 \u0644\u0644\u062a\u062f\u0631\u064a\u0628 \u0648\u0627\u0644\u0625\u0633\u062a\u0634\u0627\u0631\u0627\u062a\" width=\"1072\" height=\"350\" \/><figcaption class=\"wp-caption-text\">Guerres de la fintech<\/figcaption><\/figure>\n<p data-start=\"1671\" data-end=\"2000\">Selon le rapport \u201c Au-del\u00e0 des paiements : lib\u00e9rer la deuxi\u00e8me vague de la fintech en Afrique \u201d, publi\u00e9 par le Boston Consulting Group (BCG), la prochaine phase de croissance d\u00e9pendra non seulement de l\u2019augmentation du volume des transactions, mais aussi de la construction de syst\u00e8mes financiers plus profonds et plus \u00e9volutifs, soutenus par une infrastructure num\u00e9rique solide, des cadres r\u00e9glementaires clairs et des investissements \u00e0 long terme.<\/p>\n<p data-start=\"2002\" data-end=\"2408\">Malgr\u00e9 le succ\u00e8s notable des fintechs dans la mise en place de r\u00e9seaux de paiement locaux \u2013 avec plus de 401\u00a0000 adultes en Afrique subsaharienne utilisant des services de paiement mobile \u2013, un d\u00e9ficit de financement persiste. Le rapport indique que plus de la moiti\u00e9 des pr\u00eats sur de nombreux march\u00e9s sont accord\u00e9s par des canaux informels ou semi-formels, ce qui ouvre d\u2019immenses perspectives dans le cr\u00e9dit num\u00e9rique, le financement des entreprises et les services financiers avanc\u00e9s.<\/p>\n<h3 data-section-id=\"1yvpla4\" data-start=\"2410\" data-end=\"2453\">Des paiements \u00e0 l&#039;infrastructure financi\u00e8re<\/h3>\n<p data-start=\"2455\" data-end=\"2742\">Le rapport soutient que l&#039;avenir de la concurrence r\u00e9side non seulement dans les services de paiement, mais aussi dans la mise en place de l&#039;infrastructure financi\u00e8re dont d\u00e9pendent les institutions, les banques et les gouvernements. Cela inclut des domaines tels que les paiements transfrontaliers, la transformation num\u00e9rique des services publics, les syst\u00e8mes de cr\u00e9dit bas\u00e9s sur les donn\u00e9es et les plateformes bancaires ouvertes.<\/p>\n<p data-start=\"2744\" data-end=\"2992\">Dans ce contexte, les march\u00e9s qui offrent un cadre r\u00e9glementaire clair et une infrastructure interop\u00e9rable sont devenus plus aptes \u00e0 attirer des capitaux \u00e0 long terme, les investisseurs \u00e9tant pass\u00e9s du financement de jeunes entreprises \u00e0 l&#039;investissement dans l&#039;infrastructure du syst\u00e8me financier num\u00e9rique.<\/p>\n<h3 data-section-id=\"132w12n\" data-start=\"2994\" data-end=\"3033\"><\/h3>\n<p data-start=\"3035\" data-end=\"3319\">Le rapport met en lumi\u00e8re le Rwanda comme un mod\u00e8le de coordination institutionnelle contribuant \u00e0 r\u00e9duire les co\u00fbts d&#039;expansion des institutions financi\u00e8res. Gr\u00e2ce \u00e0 une l\u00e9gislation favorable, \u00e0 une infrastructure num\u00e9rique de pointe et \u00e0 une volont\u00e9 d&#039;int\u00e9gration r\u00e9gionale, Kigali s&#039;est impos\u00e9e comme un p\u00f4le technologique financier en pleine croissance en Afrique de l&#039;Est.<\/p>\n<p data-start=\"3321\" data-end=\"3538\">Des initiatives telles que le protocole d&#039;accord sur la d\u00e9livrance de passeports entre le Rwanda et le Kenya ont \u00e9galement contribu\u00e9 \u00e0 faciliter l&#039;expansion des entreprises transfrontali\u00e8res et \u00e0 am\u00e9liorer les flux de paiement et de cr\u00e9dit entre diff\u00e9rents march\u00e9s africains, ce qui renforce les possibilit\u00e9s d&#039;int\u00e9gration financi\u00e8re r\u00e9gionale.<\/p>\n<h3 data-section-id=\"zzf45d\" data-start=\"3540\" data-end=\"3568\">Cinq piliers pour l&#039;avenir du secteur<\/h3>\n<p data-start=\"3570\" data-end=\"3795\">Le rapport confirme que la prochaine phase de croissance des technologies financi\u00e8res en Afrique d\u00e9pendra de cinq piliers cl\u00e9s, au premier rang desquels figure le d\u00e9veloppement d&#039;une infrastructure financi\u00e8re interop\u00e9rable permettant l&#039;int\u00e9gration entre les portefeuilles \u00e9lectroniques, les banques et les diff\u00e9rents syst\u00e8mes de transfert.<\/p>\n<p data-start=\"3797\" data-end=\"4020\">Le cr\u00e9dit bas\u00e9 sur les donn\u00e9es repr\u00e9sente \u00e9galement l&#039;une des plus grandes opportunit\u00e9s inexploit\u00e9es du continent, car les donn\u00e9es transactionnelles peuvent \u00eatre utilis\u00e9es pour construire des mod\u00e8les de notation de cr\u00e9dit aliment\u00e9s par l&#039;IA, permettant ainsi l&#039;expansion du financement pour les petites et moyennes entreprises.<\/p>\n<figure style=\"width: 900px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/cdn.wamda.com\/feature-images\/1a4874189b430aa.jpg\" alt=\"\u0645\u0627 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629\u061f - \u0648\u0645\u0636\u0629\" width=\"900\" height=\"600\" \/><figcaption class=\"wp-caption-text\">Guerres de la fintech<\/figcaption><\/figure>\n<p data-start=\"4022\" data-end=\"4212\">En outre, il convient d&#039;assurer la coh\u00e9rence organisationnelle et l&#039;unification des cadres juridiques sur les diff\u00e9rents march\u00e9s, ainsi que le renforcement de la cybers\u00e9curit\u00e9 et de la protection des consommateurs, afin de garantir la confiance dans le syst\u00e8me financier num\u00e9rique \u00e0 mesure que la d\u00e9pendance \u00e0 son \u00e9gard augmente.<\/p>\n<p data-start=\"4214\" data-end=\"4534\" data-is-last-node=\"\" data-is-only-node=\"\">Dans ce contexte de transformations, la bataille de la fintech en Afrique ne se r\u00e9sume plus \u00e0 attirer des utilisateurs ou \u00e0 accro\u00eetre le volume des transactions\u00a0; elle est devenue une course contre la montre pour b\u00e2tir l\u2019infrastructure qui alimentera l\u2019\u00e9conomie du continent pour la prochaine d\u00e9cennie. Entre Lagos, Nairobi et Kigali, les contours d\u2019un nouveau syst\u00e8me financier se dessinent, un syst\u00e8me susceptible de remodeler durablement le paysage \u00e9conomique africain.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0643\u062a\u0628:\u0645\u062d\u0645\u062f \u0639\u0645\u0631\u0627\u0646 \u0641\u064a \u0634\u0648\u0627\u0631\u0639 \u0644\u0627\u063a\u0648\u0633 \u0627\u0644\u0645\u0632\u062f\u062d\u0645\u0629 \u0648\u0623\u0633\u0648\u0627\u0642 \u0646\u064a\u0631\u0648\u0628\u064a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u062a\u062f\u0648\u0631 \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0633\u0631\u0639 \u0627\u0644\u0645\u0639\u0627\u0631\u0643 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0646\u0645\u0648\u064b\u0627 \u0641\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u060c \u0641\u0628\u0639\u064a\u062f\u064b\u0627 \u0639\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u062a\u062a\u0633\u0627\u0628\u0642 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0625\u0641\u0631\u064a\u0642\u064a\u0627\u060c \u0645\u0633\u062a\u0641\u064a\u062f\u0629 \u0645\u0646 \u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u0648\u0627\u0633\u0639 \u0644\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u0648\u0648\u062c\u0648\u062f \u0645\u0626\u0627\u062a \u0627\u0644\u0645\u0644\u0627\u064a\u064a\u0646 \u0645\u0646 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u0644\u0627 \u064a\u0632\u0627\u0644\u0648\u0646 \u062e\u0627\u0631\u062c \u0627\u0644\u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629. \u0643\u064a\u0641 \u0623\u0635\u0628\u062d\u062a \u0625\u0641\u0631\u064a\u0642\u064a\u0627 \u0633\u0627\u062d\u0629 \u062d\u0631\u0648\u0628 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 &hellip;<\/p>","protected":false},"author":14,"featured_media":9913,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24,217],"tags":[388,3245,2914,3866,621,3868,3247,3821,3867],"class_list":["post-9902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-africanews","category-slider","tag-388","tag-3245","tag-2914","tag-3866","tag-621","tag-3868","tag-3247","tag-3821","tag-3867"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0643\u064a\u0641 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