{"id":1061,"date":"2021-05-06T12:53:24","date_gmt":"2021-05-06T12:53:24","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=1061"},"modified":"2021-05-10T10:33:01","modified_gmt":"2021-05-10T10:33:01","slug":"etablissement-de-monnaie-electronique-eme-ce-quil-faut-savoir-du-cadre-reglementaire","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=1061","title":{"rendered":"Etablissement de Monnaie \u00e9lectronique (EME) Ce qu\u2019il faut savoir du cadre r\u00e9glementaire"},"content":{"rendered":"<p><strong>L\u2019utilisation de monnaie \u00e9lectronique est tr\u00e8s ancr\u00e9e dans la population s\u00e9n\u00e9galaise et des pays de la sous-r\u00e9gion Ouest-africaine. Ainsi, les Etablissements de Monnaie \u00e9lectronique (EME), sont sous la tutelle de la Banque Centrale des Etats de l\u2019Afrique de l\u2019Ouest (BCEAO), la Commission Bancaire et le Minist\u00e8re de l\u2019Economie, du Plan et de la Coop\u00e9ration. <\/strong><\/p>\n<p>Au S\u00e9n\u00e9gal, deux acteurs de la t\u00e9l\u00e9phonie mobile&nbsp; Cash S.A \u2018\u2019free money\u2019\u2019 et Orange Finances Mobiles \u2018\u2019Orange Money\u2019\u2019 restent les seuls \u00e9tablissements de monnaie \u00e9lectronique autoris\u00e9s par la BCEAO. Cette institution d\u00e9finit l\u2019\u00e9tablissement de monnaie \u00e9lectronique (EME) comme \u00ab&nbsp;Toute &nbsp;personne morale, autre que les banques, les \u00e9tablissements financiers de paiement et les SFD, habilit\u00e9e \u00e0 \u00e9mettre des moyens de paiement sous forme de monnaie \u00e9lectronique et dont les activit\u00e9s se limitent \u00e0 l\u2019\u00e9mission et \u00e0 la distribution de la monnaie \u00e9lectronique. Dans cet \u00e9cosyst\u00e8me des EME, il y a aussi les distributeurs et les sous-distributeurs. La BCEAO explique que le distributeur est \u00ab&nbsp;une &nbsp;Personne morale ou physique inscrite au registre du Commerce et du Cr\u00e9dit Mobilier, ou SFD, offrant \u00e0 la client\u00e8le, en ex\u00e9cution d&rsquo;un contrat avec l&rsquo;\u00e9tablissement \u00e9metteur, un service de distribution de monnaie \u00e9lectronique\u00bb. Il en est de m\u00eame pour le sous-distributeur qui est une \u00ab&nbsp;Personne &nbsp;morale ou physique ou le SFD, offrant \u00e0 la client\u00e8le, en ex\u00e9cution d&rsquo;un contrat avec le distributeur sous la responsabilit\u00e9 de l&rsquo;\u00e9metteur, un service de distribution de monnaie \u00e9lectronique&nbsp;\u00bb. Ainsi donc, s\u2019agissant des services financiers num\u00e9riques, la BCEAO a instaur\u00e9 pour les EME l\u2019obligation d\u2019obtention pr\u00e9alable d\u2019un agr\u00e9ment, les banques et \u00e9tablissements de paiement habilit\u00e9s par la loi bancaire doivent informer deux mois au moins avant le d\u00e9marrage de leurs activit\u00e9s d\u2019\u00e9mission de monnaie \u00e9lectronique&nbsp;; et les SFD une autorisation pr\u00e9alable.<\/p>\n<p><strong>Les consommateurs et l\u2019usage des EME<\/strong><\/p>\n<p>Par ailleurs, le capital social minimum d&rsquo;un EME est de 300 millions FCFA. En outre, la BCEAO plafonne le solde du client identifi\u00e9 \u00e0 2 millions de FCFA &nbsp;avec un plafonnement des op\u00e9rateurs fix\u00e9 \u00e0 10 millions de FCFA par mois. Au chapitre des statistiques, la BCEAO r\u00e9v\u00e8le que les transactions sont pass\u00e9es de 150.212.673 op\u00e9rations en 2017 \u00e0 294.900.000 en 2018 dans les op\u00e9rations de monnaie \u00e9lectronique. La valeur de ces transactions est chiffr\u00e9e \u00e0 1,259 milliards de FCFA en 2017, contre 2,470 milliards de FCFA en 2018 avec 7.111.328 personnes d\u00e9tentrices de porte-monnaie \u00e9lectronique. Sur ces transactions, la BCEAO souligne que les paiements sont essentiellement consacr\u00e9s \u00e0 l\u2019achat de cr\u00e9dits t\u00e9l\u00e9phoniques, le rechargement et le retrait de cash, le transfert d\u2019Unit\u00e9 de valeur et le r\u00e8glement de factures eau et \u00e9lectricit\u00e9 entre autres. D\u2019apr\u00e8s l\u2019UNCDF, une organisation des Nations-Unies qui travaille sur l\u2019inclusion financi\u00e8re des personnes dans les pays les moins d\u00e9velopp\u00e9s de la plan\u00e8te, le S\u00e9n\u00e9gal repr\u00e9sente 9,8% de part de comptes clients dans l\u2019Uemoa avec 5,39 millions de comptes clients enregistr\u00e9s dont 2.240.315 comptes clients actifs. Ainsi, selon la BCEAO les d\u00e9fis soulev\u00e9s par l\u2019\u00e9cosyst\u00e8me s\u2019articulent autour de la protection des consommateurs, des donn\u00e9es personnelles, une \u00e9ducation financi\u00e8re et une adaptation continue de la r\u00e8glementation et du cadre de supervision.<\/p>\n<p><strong>Moustapha Dia<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019utilisation de monnaie \u00e9lectronique est tr\u00e8s ancr\u00e9e dans la population s\u00e9n\u00e9galaise et des pays de la sous-r\u00e9gion Ouest-africaine. Ainsi, les Etablissements de Monnaie \u00e9lectronique (EME),&#8230;<\/p>\n","protected":false},"author":1,"featured_media":675,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[17,21],"tags":[],"class_list":["post-1061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dossiers-mensuels","category-focus-sur","wpcat-17-id","wpcat-21-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Etablissement de Monnaie \u00e9lectronique (EME) Ce qu\u2019il faut savoir du cadre r\u00e9glementaire - challenges economiques<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/challengeseconomiques.com\/?p=1061\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Etablissement de Monnaie \u00e9lectronique (EME) Ce qu\u2019il faut savoir du cadre r\u00e9glementaire - challenges economiques\" \/>\n<meta property=\"og:description\" content=\"L\u2019utilisation de monnaie \u00e9lectronique est tr\u00e8s ancr\u00e9e dans la population s\u00e9n\u00e9galaise et des pays de la sous-r\u00e9gion Ouest-africaine. 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