{"id":1484,"date":"2021-07-02T11:48:49","date_gmt":"2021-07-02T11:48:49","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=1484"},"modified":"2021-09-30T22:36:45","modified_gmt":"2021-09-30T22:36:45","slug":"ramatoulaye-cisse-fall-dg-wizall-money-la-banque-centrale-comprend-maintenant-limportance-des-fintechs-dans-lecosysteme","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=1484","title":{"rendered":"RAMATOULAYE CISSE FALL DG WIZALL MONEY: \u201cLa banque centrale comprend maintenant l\u2019importance des fintechs dans l\u2019\u00e9cosyst\u00e8me. \u00bb"},"content":{"rendered":"<p><strong>Madame Fall Ramatoulaye est la Directrice g\u00e9n\u00e9rale de Wizall Money S\u00e9n\u00e9gal. Elle s\u2019est entretenue avec Challenges \u00e9conomiques en marge d\u2019un atelier\u00a0 sur la digitalisation organis\u00e9 par Ecobank S\u00e9n\u00e9gal et destin\u00e9 aux Fintechs. Mme Fall parle de son entreprise, du secteur et des relations qui devraient exister entre les Fintechs, leurs partenaires les banques commerciales et la banque centrale.<\/strong><\/p>\n<p><strong>Comment se porte Wizall S\u00e9n\u00e9gal en ce moment\u00a0?<\/strong><\/p>\n<p>Comme vous le savez, le secteur des Fintechs est en pleine mutation. \u00a0Nous nous effor\u00e7ons d\u2019avoir la meilleure offre pour nos clients. Nous essayons \u00e9galement de nous adapter aux exigences du march\u00e9. L\u2019objectif final que nous visons \u00e0 Wizall est la satisfaction du client et lui rendre la vie facile comme nous l\u2019avons exprim\u00e9 dans notre slogan \u00ab\u00a0Wizall pour faciliter la vie\u00a0\u00bb.<\/p>\n<p>Notre plateforme g\u00e9n\u00e8re aujourd\u2019hui plus d\u2019une dizaine de milliards par mois, en termes de flux de monnaie \u00e9lectronique. Nous ne sommes pas seulement au S\u00e9n\u00e9gal, nous sommes pr\u00e9sents dans d\u2019autres pays de la sous-r\u00e9gion comme le Burkina, le Mali\u00a0 et en C\u00f4te d\u2019Ivoire. Et nous sommes \u00e9galement filiales de la banque Atlantique laquelle est notre soci\u00e9t\u00e9 m\u00e8re au S\u00e9n\u00e9gal. C\u2019est la BCP qui est actionnaire \u00e0 Wizall S\u00e9n\u00e9gal.<\/p>\n<p><strong>Quels types\u00a0\u00a0 de relations devraient exister entre vous les Fintechs et les banques commerciales et au-del\u00e0 la banque centrale\u00a0? <\/strong><\/p>\n<p>C\u2019est un sujet central dans la mesure o\u00f9, nous ne sommes pas \u00e9mettrices de monnaie \u00e9lectronique, c\u2019est la banque qui est \u00e9mettrice de monnaie. Nous signons des conventions avec les banques. Ces conventions nous permettent de faire de la distribution. Dans ce processus, la Fintech est en \u00e9troite collaboration avec la banque. Mais, une fois que processus achev\u00e9, nous n\u2019avons presque pas de visibilit\u00e9 sur les relations qui existent entre la banque commerciale partenaire et la banque centrale. Et, nous aimerions \u00eatre dans ce processus pour \u00eatre s\u00fbr que les produits que nous adressons\u00a0 \u00e0 la client\u00e8le sont bien r\u00e9percut\u00e9s \u00e0 la banque centrale. Afin aussi de permettre \u00e0 la banque centrale de mieux comprendre ce que nous faisons. Sinon, cela va prendre beaucoup de temps. C\u2019est nous qui concevons les produits, et c\u2019est la banque qui les pr\u00e9sente. Je pense que dans ce processus, il faut cr\u00e9er une passerelle qui puisse permettre aux fintechs de mieux expliquer \u00e0 la banque centrale ce qu\u2019elles font. Toutefois, nous avons not\u00e9 maintenant une am\u00e9lioration dans ces relations.\u00a0 Parce que la banque centrale invite les fintechs\u00a0 \u00e0 pr\u00e9senter et poser des questions, ce qui n&rsquo;\u00e9tait pas le cas avant. Nous nous r\u00e9jouissons de ce changement\u00a0 parce qu\u2019il montre que la banque centrale comprend maintenant l\u2019importance des fintechs dans l\u2019\u00e9cosyst\u00e8me.<\/p>\n<p><strong>Est-ce que entre vous et les banques, il n\u2019existe pas une sorte de concurrence\u00a0?<\/strong><\/p>\n<p>Non pas du tout ! C\u2019est plut\u00f4t une relation de partenariat et de facilitation pour le client final. Nous sommes tous l\u00e0 pour le client. Pour illustrer ce que je viens de dire, je vous donne un exemple : Les banques ont des heures d\u2019ouverture et de fermeture, les fintechs n\u2019en ont pas. Aujourd\u2019hui, les points de distribution, les points de relais\u00a0 ont des heures d\u2019ouverture beaucoup plus longues. Cela permet au consommateur d\u2019avoir son argent quand il le veut et o\u00f9 il le veut. Vous l\u2019avez entendu lors des d\u00e9bats, la cr\u00e9ation d\u2019une agence bancaire demande \u00e9norm\u00e9ment de ressources pour la banque. Et elle ne peut peux pas \u00eatre partout.\u00a0 Les fintechs ont cette possibilit\u00e9-l\u00e0. Nous avons aussi la possibilit\u00e9 d\u2019avoir beaucoup plus de partenariat afin de pouvoir permettre au client de b\u00e9n\u00e9ficier de tous les avantages que nous offrons.<\/p>\n<p><strong>Propos recueillis par\u00a0:<\/strong><\/p>\n<p><strong>Aliou Kane Ndiaye<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Madame Fall Ramatoulaye est la Directrice g\u00e9n\u00e9rale de Wizall Money S\u00e9n\u00e9gal. Elle s\u2019est entretenue avec Challenges \u00e9conomiques en marge d\u2019un atelier\u00a0 sur la digitalisation organis\u00e9&#8230;<\/p>\n","protected":false},"author":3,"featured_media":1491,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23,11],"tags":[],"class_list":["post-1484","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-lentretien","wpcat-23-id","wpcat-11-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RAMATOULAYE CISSE FALL DG WIZALL MONEY: \u201cLa banque centrale comprend maintenant l\u2019importance des fintechs dans l\u2019\u00e9cosyst\u00e8me. \u00bb - 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=1484\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RAMATOULAYE CISSE FALL DG WIZALL MONEY: \u201cLa banque centrale comprend maintenant l\u2019importance des fintechs dans l\u2019\u00e9cosyst\u00e8me. \u00bb - challenges economiques\" \/>\n<meta property=\"og:description\" content=\"Madame Fall Ramatoulaye est la Directrice g\u00e9n\u00e9rale de Wizall Money S\u00e9n\u00e9gal. 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