{"id":13700,"date":"2021-06-22T07:12:12","date_gmt":"2021-06-22T07:12:12","guid":{"rendered":"https:\/\/www.moneytrans.eu\/moneytransblog\/?p=13700"},"modified":"2023-02-20T08:48:37","modified_gmt":"2023-02-20T08:48:37","slug":"lavenir-de-linclusion-financiere","status":"publish","type":"post","link":"https:\/\/www.moneytrans.eu\/moneytransblog\/fr\/lavenir-de-linclusion-financiere\/","title":{"rendered":"L’avenir de l’inclusion financi\u00e8re"},"content":{"rendered":"

D\u00e9finition de l’inclusion financi\u00e8re<\/h2>\n

L’inclusion financi\u00e8re d\u00e9signe les efforts d\u00e9ploy\u00e9s pour rendre les produits et services financiers accessibles et abordables pour tous les particuliers et toutes les entreprises, ind\u00e9pendamment de leur valeur nette personnelle ou de la taille de leur soci\u00e9t\u00e9. Il s’agit de supprimer les obstacles qui emp\u00eachent les gens de participer au secteur financier et d’utiliser ces services pour am\u00e9liorer leur vie. Des services tels que les comptes bancaires pour l’\u00e9pargne et les transactions, les assurances et les pr\u00eats.<\/p>\n

Selon le dernier rapport de la Banque mondiale sur l’inclusion financi\u00e8re et le d\u00e9veloppement, malgr\u00e9 les efforts d\u00e9ploy\u00e9s pour cr\u00e9er de meilleurs services financiers dans le monde en d\u00e9veloppement, environ 2 milliards de personnes ne poss\u00e8dent toujours pas de compte bancaire de base<\/strong>.<\/p>\n

Alors pourquoi tant de personnes ne sont-elles pas desservies en mati\u00e8re d’inclusion financi\u00e8re ? Tout d’abord, il est important de noter que la plupart des pays en d\u00e9veloppement manquent d’engagement et de soutien de la part de leur gouvernement. Deuxi\u00e8mement, la confiance est un \u00e9norme probl\u00e8me lorsqu’il s’agit de donn\u00e9es financi\u00e8res et elle est li\u00e9e \u00e0 un manque d’\u00e9ducation en la mati\u00e8re.<\/p>\n

La finance num\u00e9rique dans le monde en d\u00e9veloppement pourrait avoir un impact d\u00e9terminant.<\/p>\n

\"\"<\/p>\n

 <\/p>\n

L’importance de l’inclusion financi\u00e8re<\/span><\/h2>\n

 <\/p>\n

L’inclusion financi\u00e8re est n\u00e9cessaire \u00e0 la croissance \u00e9conomique des pays peu d\u00e9velopp\u00e9s. La Banque mondiale reconna\u00eet que l’inclusion financi\u00e8re est un \u00e9l\u00e9ment cl\u00e9 pour r\u00e9duire la pauvret\u00e9 et stimuler la prosp\u00e9rit\u00e9.<\/p>\n

Le potentiel dans ces pays et dans le secteur informel est \u00e9norme. \u00c0 l’heure actuelle, les populations pauvres du monde entier ne sont pas en mesure de faire des \u00e9conomies qui pourraient am\u00e9liorer consid\u00e9rablement leur vie. L’\u00e9pargne aide les gens \u00e0 se constituer des ressources financi\u00e8res qu’ils peuvent utiliser pour d\u00e9velopper une entreprise ou am\u00e9liorer leur vie en g\u00e9n\u00e9ral. Par exemple, un agriculteur peut \u00e9pargner pour acqu\u00e9rir plus de b\u00e9tail \u00e0 l’avenir afin d’augmenter sa production et ses revenus. L’\u00e9pargne prot\u00e8ge \u00e9galement les personnes contre les \u00e9checs en p\u00e9riode d’incertitude.<\/p>\n

Par cons\u00e9quent, le manque d\u2019 inclusion financi\u00e8re a emp\u00each\u00e9 la croissance des entreprises pour les personnes du secteur informel.<\/p>\n

Elle encourage \u00e9galement l’esprit d’entreprise en emp\u00eachant la population de voir les avantages d’avoir acc\u00e8s aux services financiers et d’en faire le meilleur usage. Le projet de la Smile community de Moneytrans en est un excellent exemple :<\/strong> en collaborant avec des associations qui encouragent les r\u00e9sidents d’origine \u00e9trang\u00e8re \u00e0 ouvrir leur entreprise, en leur fournissant toutes les connaissances et les outils dont ils ont besoin.<\/p>\n

Ainsi, Moneytrans a \u00e9t\u00e9 le premier \u00e0 offrir un produit financier tout-en-un \u00e0 cette communaut\u00e9<\/strong>. Parce qu’il ne s’agit pas seulement de finance mais aussi de fournir un soutien et un accompagnement d\u00e8s l’arriv\u00e9e de ces personnes dans un nouveau pays.<\/p>\n

 <\/p>\n

Quel est l’avenir de l’inclusion financi\u00e8re ?<\/span><\/h2>\n

 <\/p>\n

Les entreprises Fintech ont commenc\u00e9 \u00e0 r\u00e9aliser le potentiel de l’inclusion financi\u00e8re, mais cela ne peut se faire sans le soutien des gouvernements des pays de destination.<\/p>\n

Heureusement, certains d’entre eux ont pris le train en marche, permettant aux services financiers mobiles (mobile money) de se d\u00e9velopper. Par exemple, en Afrique subsaharienne, le nombre de comptes d’argent mobile est pass\u00e9 de 12 \u00e0 21 %.<\/p>\n

L’argent mobile continue de se d\u00e9velopper dans toutes les r\u00e9gions, en particulier en Afrique de l’Ouest. Dans les \u00e9conomies \u00e0 faible revenu, il y a deux fois plus de comptes d’argent mobile que de comptes bancaires pour 1 000 adultes. (Enqu\u00eate du FMI sur l’acc\u00e8s aux services financiers).<\/p>\n

Enfin, nous avons \u00e9t\u00e9 heureux de lire que le G20 s’est engag\u00e9 \u00e0 faire progresser l’inclusion financi\u00e8re dans le monde entier et a r\u00e9affirm\u00e9 son engagement \u00e0 mettre en \u0153uvre les principes de haut niveau du G20 pour l’inclusion financi\u00e8re num\u00e9rique.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

D\u00e9finition de l’inclusion financi\u00e8re L’inclusion financi\u00e8re d\u00e9signe les efforts d\u00e9ploy\u00e9s pour rendre les produits et services financiers accessibles et abordables pour tous les particuliers et toutes les entreprises, ind\u00e9pendamment de leur valeur nette personnelle ou de la taille de leur soci\u00e9t\u00e9. Il s’agit de supprimer les obstacles qui emp\u00eachent les gens de participer au secteur […]<\/p>\n","protected":false},"author":13,"featured_media":13712,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[1378],"tags":[],"class_list":["post-13700","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech-fr"],"yoast_head":"\nL'avenir de l'inclusion financi\u00e8re - Moneytrans Blog<\/title>\n<meta name=\"description\" content=\"Qu'est-ce que l'inclusion financi\u00e8re et pourquoi est-elle si importante dans l\u2019\u00e9conomie mondiale d\u2019aujourd\u2019hui ? 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