{"id":8082,"date":"2025-05-12T12:43:49","date_gmt":"2025-05-12T12:43:49","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=8082"},"modified":"2025-05-12T12:45:15","modified_gmt":"2025-05-12T12:45:15","slug":"blocage-de-fintechs-les-eclairages-de-la-bceao","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=8082","title":{"rendered":"Blocage de fintechs: Les \u00e9clairages de la Bceao"},"content":{"rendered":"<p><strong>La Bceao r\u00e9agit au blocage de certaines fintechs. En conf\u00e9rence de presse, hier, \u00e0 Dakar, le directeur national de l\u2019institution mon\u00e9taire, Fran\u00e7ois S\u00e8ne, a apport\u00e9 des \u00e9clairages sur les raisons de ce blocage et promet d\u2019acc\u00e9l\u00e9rer le traitement des dossiers en cours pour aider la centaine de fintechs \u00e0 se conformer.<\/strong><\/p>\n<p>La qualit\u00e9 de la majorit\u00e9 des dossiers relatifs aux dispositions r\u00e9glementaires encadrant la r\u00e9glementation de la fintech r\u00e9v\u00e8le des insuffisances \u00ab notables \u00bb qui n\u00e9cessitent des corrections substantielles. C\u2019est le constat qu\u2019a dress\u00e9, hier, vendredi 9 mai, le directeur national de la Bceao, Fran\u00e7ois S\u00e8ne, lors d\u2019une conf\u00e9rence de presse \u00e0 Dakar. Ainsi, seulement neuf agr\u00e9ments ont \u00e9t\u00e9 d\u00e9livr\u00e9s \u00e0 l\u2019\u00e9chelle africaine, dont deux au S\u00e9n\u00e9gal, sur plus d\u2019une centaine d\u2019entreprises. Il s\u2019agit de Paydunya et Mikati. Compte tenu de la qualit\u00e9 insatisfaisante de ces dossiers, la Bceao a d\u00e9cid\u00e9 de fournir un accompagnement afin de garantir leur bonne compatibilit\u00e9 avec les exigences r\u00e9glementaires. \u00ab Quinze dossiers font actuellement l\u2019objet d\u2019une instruction avanc\u00e9e et deux autres devront suivre. Nous recevons quotidiennement de nouvelles demandes parce que le secteur de la fintech est tr\u00e8s dynamique \u00bb, a r\u00e9v\u00e9l\u00e9 M. S\u00e8ne.<\/p>\n<p>Par ailleurs, il a insist\u00e9 sur la n\u00e9cessit\u00e9 d\u2019acc\u00e9l\u00e9rer le traitement des dossiers restants, d\u2019autant plus qu\u2019un nombre important a \u00e9t\u00e9 d\u00e9pos\u00e9 tardivement, \u00e0 l\u2019approche de la derni\u00e8re \u00e9ch\u00e9ance. \u00ab Nous nous concentrons sur l\u2019acc\u00e9l\u00e9ration des dossiers en cours. Nous \u00e9changeons et transmettons les \u00e9l\u00e9ments compl\u00e9mentaires aux structures ayant effectu\u00e9 leur d\u00e9p\u00f4t tardivement, voire tr\u00e8s tardivement ; ce qui est regrettable \u00bb, a indiqu\u00e9 le directeur national de la Bceao. Il a rappel\u00e9 que cette r\u00e9glementation, entr\u00e9e en vigueur le 23 janvier 2024, vise principalement \u00e0 renforcer la s\u00e9curit\u00e9 des op\u00e9rations et \u00e0 lutter contre le blanchiment de capitaux et le financement du terrorisme. \u00c0 l\u2019en croire, cette initiative est cruciale pour la protection des d\u00e9posants, notamment ceux utilisant la monnaie \u00e9lectronique via leur t\u00e9l\u00e9phone portable, un outil d\u2019inclusion financi\u00e8re majeur au S\u00e9n\u00e9gal.<\/p>\n<p>\u00ab La protection des d\u00e9posants constitue l\u2019un des objectifs fondamentaux d\u2019une r\u00e9glementation encadrant les services financiers. Il s\u2019agit non seulement de sauvegarder les d\u00e9posants eux-m\u00eames, mais \u00e9galement leurs avoirs, en particulier ceux d\u00e9tenus sous forme de monnaie \u00e9lectronique par une certaine cat\u00e9gorie d\u2019\u00e9pargnants \u00bb, a renseign\u00e9 Fran\u00e7ois S\u00e8ne. Ce dernier a \u00e9galement tenu \u00e0 rassurer quant \u00e0 l\u2019impact de cette r\u00e9glementation sur le secteur. \u00ab Il n\u2019y aura pas, \u00e0 notre sens, de destruction de valeurs puisque ces fintechs ont des partenariats tr\u00e8s solides avec leurs partenaires bancaires. Nous pensons que ces fintechs ont la capacit\u00e9 \u00e9galement de se mettre tr\u00e8s rapidement en conformit\u00e9 \u00bb, a-t-il soutenu, pr\u00e9cisant que le co\u00fbt des op\u00e9rations varie entre 10 et 100 millions de FCfa. La collaboration avec les banques a aussi \u00e9t\u00e9 essentielle dans ce processus, car assurant une transition en douceur et \u00e9vitant toute perturbation des services. \u00ab Ce que nous souhaitions \u00e9viter, c\u2019est pr\u00e9cis\u00e9ment cette erreur qui survient, aujourd\u2019hui, dans le fonctionnement des services. Nous voulions que les banques\u2026puissent \u00e9galement s\u2019appuyer sur ce qui rel\u00e8ve de notre obligation \u00bb, a conclu le Directeur national \u00a0de la Bceao S\u00e9n\u00e9gal.<\/p>\n<p><strong>lesoleil.sn<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Bceao r\u00e9agit au blocage de certaines fintechs. En conf\u00e9rence de presse, hier, \u00e0 Dakar, le directeur national de l\u2019institution mon\u00e9taire, Fran\u00e7ois S\u00e8ne, a apport\u00e9&#8230;<\/p>\n","protected":false},"author":1,"featured_media":8085,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-8082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite-economique","wpcat-8-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Blocage de fintechs: Les \u00e9clairages de la Bceao - 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=8082\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blocage de fintechs: Les \u00e9clairages de la Bceao - challenges economiques\" \/>\n<meta property=\"og:description\" content=\"La Bceao r\u00e9agit au blocage de certaines fintechs. 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