{"id":2931,"date":"2019-07-18T15:12:51","date_gmt":"2019-07-18T13:12:51","guid":{"rendered":"https:\/\/www.microsave.net\/fr\/?p=2931"},"modified":"2024-05-22T14:39:43","modified_gmt":"2024-05-22T09:09:43","slug":"finance-digitale-responsable","status":"publish","type":"post","link":"https:\/\/www.microsave.net\/fr\/blog\/2019\/07\/18\/finance-digitale-responsable\/","title":{"rendered":"Finance digitale responsable"},"content":{"rendered":"<h3><strong>Finance digitale responsable<\/strong><\/h3>\n<p><em>Veena Yamini A., d\u00e9cembre 2013<\/em><\/p>\n<p><em><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-41015\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/07\/198-Finance-digitale-responsable-Copy.jpg\" alt=\"\" width=\"300\" height=\"138\" \/><\/em><\/p>\n<p>Les services financiers digitaux offrent la possibilit\u00e9 d&#8217;int\u00e9grer des milliards de clients financi\u00e8rement exclus dans le domaine des services financiers formels. Ils ont le pouvoir de transcender les barri\u00e8res de l&#8217;exclusion financi\u00e8re, dans la mesure o\u00f9 ils r\u00e9duisent les co\u00fbts associ\u00e9s aux transactions de faible valeur. Ils s&#8217;adressent \u00e0 un plus grand nombre de personnes gr\u00e2ce \u00e0 une technologie innovante et \u00e0 faible co\u00fbt (t\u00e9l\u00e9phones portables, syst\u00e8mes de cartes, machines de point de vente, etc.) et des canaux de livraison (vendeurs de temps d&#8217;antenne, propri\u00e9taires d&#8217;\u00e9piceries, etc.). Par ailleurs, ils r\u00e9solvent le probl\u00e8me du manque d&#8217;infrastructure physique requis pour la distribution des produits financiers.<\/p>\n<p>S\u2019il existe d&#8217;\u00e9normes possibilit\u00e9s de tirer profit de la technologie digitale, il y a \u00e9galement des d\u00e9fis qui peuvent potentiellement freiner ce potentiel. Il s\u2019agit, entre autres :<\/p>\n<ul>\n<li>De la multiplication des fraudes, qu&#8217;elles soient attribuables aux consommateurs, aux agents ou au syst\u00e8me ;<\/li>\n<li>De la faible sensibilisation des consommateurs (\u00e0 la fois sur la technologie et sur les services financiers) ;<\/li>\n<li>De la faible sensibilisation des agents et des investissements inad\u00e9quats dans la formation des agents ; et<\/li>\n<li>De l\u2019\u00e9mergence de types de risques nouveaux et vari\u00e9s, li\u00e9s aux processus, \u00e0 la technologie, au marketing\/communication, \u00e0 la gestion des liquidit\u00e9s, etc.<\/li>\n<\/ul>\n<p>Ces d\u00e9fis ont des incidences sur :<\/p>\n<ul>\n<li>Le programme de l&#8217;inclusion financi\u00e8re, dans la mesure o\u00f9 les fraudes et la protection insuffisante des clients nuit \u00e0 leur confiance dans la solution et le syst\u00e8me et, par cons\u00e9quent, dans l&#8217;adoption du produit.<\/li>\n<li>L&#8217;adoption des produits et des services, \u00e9tant donn\u00e9 le manque de confiance dans le service, ce qui peut entraver l&#8217;adoption du service.<\/li>\n<li>L&#8217;argument commercial \u00e0 utiliser par les agents et par l&#8217;ensemble du secteur, puisque la faible participation des clients, ainsi que des agents, affaiblit l&#8217;analyse de rentabilisation.<\/li>\n<li>Les co\u00fbts, tant financiers que non financiers. Les entreprises, les clients et les agents doivent faire face \u00e0 des co\u00fbts \u00e9lev\u00e9s, en raison de l&#8217;augmentation des co\u00fbts de transaction occasionn\u00e9e par des fraudes, des risques, la hausse des frais pour les clients, etc.<\/li>\n<\/ul>\n<p>Les acteurs de l&#8217;espace \u00ab\u00a0finance digitale\u00a0\u00bb devraient tirer des le\u00e7ons du secteur financier en mati\u00e8re de \u00ab\u00a0services responsables\u00a0\u00bb, afin de pr\u00e9venir les cons\u00e9quences n\u00e9fastes des fraudes et des risques. La Finance Responsable signifie par d\u00e9finition <em>offrir des services financiers de mani\u00e8re responsable, transparente et \u00e9thique.<\/em><\/p>\n<p>Dans la finance traditionnelle, il s&#8217;agissait d&#8217;un principe directeur permettant aux prestataires de services financiers d&#8217;int\u00e9grer dans leurs propres pratiques, <em>la transparence<\/em>, <em>la divulgation compl\u00e8te, la confidentialit\u00e9 des donn\u00e9es, des normes \u00e9lev\u00e9es de qualit\u00e9 des produits et des services, l&#8217;\u00e9quit\u00e9 des prix, un traitement digne des clients, et la mise en place d&#8217;un m\u00e9canisme de recours en cas de plainte<\/em>. Cela s&#8217;est g\u00e9n\u00e9ralement traduit par, entres autres, des activit\u00e9s portant sur la protection des clients, des formations cibl\u00e9es en \u00e9ducation financi\u00e8re, le renforcement des capacit\u00e9s du personnel et la gouvernance.<\/p>\n<p>Dans l&#8217;espace \u00ab\u00a0finance digitale\u00a0\u00bb \u00e9galement, les \u00e9l\u00e9ments qui concourent \u00e0 rendre les services \u00ab\u00a0responsables\u00a0\u00bb restent les m\u00eames, mais tout en int\u00e9grant les complexit\u00e9s introduites par la technologie, l&#8217;\u00e9cosyst\u00e8me et l&#8217;\u00e9chelle.<\/p>\n<ul>\n<li>Plusieurs types de technologie &#8211; mobile, points de vente, carte \u00e0 puce, Internet, etc. &#8211; chacune d&#8217;entre elles comportant ses propres risques et d\u00e9fis.<\/li>\n<li>Des processus complexes, qui se chevauchent \u00e0 presque chaque niveau d&#8217;acteur.<\/li>\n<li>Pour une industrie qui a du mal \u00e0 faire ses preuves et devenir viable, les \u00e9l\u00e9ments \u00ab\u00a0responsables\u00a0\u00bb du plaidoyer devraient servir de \u00ab\u00a0catalyse\u00a0\u00bb et non pas de \u00ab\u00a0blocage\u00a0\u00bb.<\/li>\n<li>Zone grise de r\u00e9glementation ou m\u00eame des normes d&#8217;autor\u00e9glementation.<\/li>\n<li>Double p\u00e9ril, en termes de la prise de conscience non seulement du consommateur mais aussi de l&#8217;agent.<\/li>\n<li>Distances entre les principaux acteurs de l&#8217;\u00e9cosyst\u00e8me. Par exemple, le fait qu&#8217;un agent peut se trouver \u00e0 des centaines de kilom\u00e8tres du gestionnaire de r\u00e9seau d&#8217;agents (GRA) nuit au suivi et au renforcement des capacit\u00e9s.<\/li>\n<li>La multiplicit\u00e9 des acteurs et le r\u00e9seau complexe de r\u00f4les, d&#8217;o\u00f9 la grande difficult\u00e9 de d\u00e9finir les responsabilit\u00e9s et de s&#8217;assurer que chaque acteur rend compte de ses actes.<\/li>\n<\/ul>\n<p><em><strong>Ecosyst\u00e8me des services financiers digitaux<\/strong><\/em><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2933 size-full\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/07\/resp.png\" alt=\"\" width=\"592\" height=\"326\" \/><br \/>\nBien que les r\u00e9gulateurs, les organisations de soutien et les donateurs\/bailleurs de fonds se situent au bord du p\u00e9rim\u00e8tre de l&#8217;\u00e9cosyst\u00e8me, ils jouent un r\u00f4le indispensable dans la gestion des risques et la pr\u00e9vention de la fraude.<\/p>\n<ul>\n<li>R\u00e9gulateurs\u00a0: en fixant des lignes directrices permettant \u00e0 tous les acteurs de mieux g\u00e9rer les risques et de pr\u00e9venir la fraude ;<\/li>\n<li>Organismes de soutien (soci\u00e9t\u00e9s de conseil, instituts de formation, groupes de plaidoyer)\u00a0: en renfor\u00e7ant les capacit\u00e9s des diff\u00e9rentes parties prenantes et en partageant les meilleures pratiques dans toutes les r\u00e9gions g\u00e9ographiques ; et<\/li>\n<li>Donateurs\/bailleurs de fonds\u00a0: en cr\u00e9ant des incitations appropri\u00e9es pour encourager les acteurs \u00e0 adopter de bonnes pratiques qui tiennent compte de la protection des clients et de la viabilit\u00e9 \u00e0 long terme.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"2931\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"box-shadow:none;-webkit-box-shadow:none;-moz-box-shadow:none;background-color:#ffffff;border-color:#5a5a5a;color:#ffffff;\"><i class='fa fa-bookmark-o unfavorite'><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>La Finance Responsable signifie par d\u00e9finition offrir des services financiers de mani\u00e8re responsable, transparente et \u00e9thique. Les acteurs de l&#8217;espace \u00ab finance digitale \u00bb devraient tirer des le\u00e7ons du secteur financier en mati\u00e8re de \u00ab services responsables \u00bb, afin de pr\u00e9venir les cons\u00e9quences n\u00e9fastes des fraudes et des risques.<\/p>\n","protected":false},"author":1031,"featured_media":41015,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5451],"tags":[],"region":[5519],"class_list":["post-2931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","post_theme-banque-services-financiers-et-assurance-bfsi","post_theme-transformation-digitale","post_theme-inclusion-financiere","resource_type-articles","region-asie-du-sud"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Finance digitale responsable - MicroSave Consulting (MSC)<\/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:\/\/www.microsave.net\/fr\/blog\/2019\/07\/18\/finance-digitale-responsable\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finance digitale responsable - MicroSave Consulting (MSC)\" \/>\n<meta property=\"og:description\" content=\"La Finance Responsable signifie par d\u00e9finition offrir des services financiers de mani\u00e8re responsable, transparente et \u00e9thique. Les acteurs de l&#039;espace \u00ab finance digitale \u00bb devraient tirer des le\u00e7ons du secteur financier en mati\u00e8re de \u00ab services responsables \u00bb, afin de pr\u00e9venir les cons\u00e9quences n\u00e9fastes des fraudes et des risques.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.microsave.net\/fr\/blog\/2019\/07\/18\/finance-digitale-responsable\/\" \/>\n<meta property=\"og:site_name\" content=\"MicroSave Consulting (MSC)\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MicroSaveConsultingFR\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-18T13:12:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-22T09:09:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/07\/198-Finance-digitale-responsable-Copy.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"589\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rebecca Szantyr\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MicroSaveFR\" \/>\n<meta name=\"twitter:site\" content=\"@MicroSaveFR\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rebecca Szantyr\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/07\\\/18\\\/finance-digitale-responsable\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/07\\\/18\\\/finance-digitale-responsable\\\/\"},\"author\":{\"name\":\"Rebecca Szantyr\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#\\\/schema\\\/person\\\/0434c54ec0112b2df6b94a87a3f4f0ba\"},\"headline\":\"Finance digitale responsable\",\"datePublished\":\"2019-07-18T13:12:51+00:00\",\"dateModified\":\"2024-05-22T09:09:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/07\\\/18\\\/finance-digitale-responsable\\\/\"},\"wordCount\":902,\"publisher\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/07\\\/18\\\/finance-digitale-responsable\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/198-Finance-digitale-responsable-Copy.jpg\",\"articleSection\":[\"Articles\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/07\\\/18\\\/finance-digitale-responsable\\\/\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/07\\\/18\\\/finance-digitale-responsable\\\/\",\"name\":\"Finance digitale responsable - 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