{"id":3787,"date":"2019-12-15T21:04:00","date_gmt":"2019-12-15T20:04:00","guid":{"rendered":"https:\/\/www.microsave.net\/fr\/?p=3787"},"modified":"2024-05-22T18:24:18","modified_gmt":"2024-05-22T12:54:18","slug":"des-fintechs-pour-la-clientele-a-revenus-faibles-ou-intermediaires-rfi-demystifier-les-mythes-et-explorer-les-realites","status":"publish","type":"post","link":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/15\/des-fintechs-pour-la-clientele-a-revenus-faibles-ou-intermediaires-rfi-demystifier-les-mythes-et-explorer-les-realites\/","title":{"rendered":"Des fintechs pour la client\u00e8le \u00e0 revenus faibles ou interm\u00e9diaires (RFI) : d\u00e9mystifier les mythes et explorer les r\u00e9alit\u00e9s"},"content":{"rendered":"<h3><strong>Des fintechs pour la client\u00e8le \u00e0 revenus faibles ou interm\u00e9diaires (RFI) : d\u00e9mystifier les mythes et explorer les r\u00e9alit\u00e9s<\/strong><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3768\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/02\/LMI-2.jpg\" alt=\"\" width=\"800\" height=\"366\" \/><\/p>\n<p><em><a href=\"https:\/\/www.microsave.net\/author\/mohit-saini\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mohit Saini<\/a><\/em><em> et <a href=\"https:\/\/www.microsave.net\/author\/meenal-malik\/\" target=\"_blank\" rel=\"noopener noreferrer\">Meenal Malik<\/a><\/em><em><u>, <\/u><\/em><em>18 aout <\/em><em>2018<\/em><\/p>\n<p>Dans notre pr\u00e9c\u00e9dent <a href=\"https:\/\/www.microsave.net\/fr\/2019\/12\/15\/des-fintechs-pour-la-clientele-a-revenus-faibles-ou-intermediaires-rfi-un-puzzle-complexe\/\" target=\"_blank\" rel=\"noopener noreferrer\">blog<\/a> de cette s\u00e9rie, nous avions pr\u00e9sent\u00e9 les tendances r\u00e9centes de l\u2019espace fintech en Inde. Dans le m\u00eame blog, nous avons \u00e9galement d\u00e9fini les segments \u00e0 revenus faibles ou interm\u00e9diaires (RFI) et examin\u00e9 les d\u00e9fis auxquels sont confront\u00e9s les fintechs et les investisseurs dans le cadre de la prestation de services \u00e0 ces segments.<\/p>\n<p>Le pr\u00e9sent blog est le deuxi\u00e8me de la s\u00e9rie et d\u00e9taille :<\/p>\n<ul>\n<li>Les opportunit\u00e9s qui existent sur le march\u00e9 des RFI<\/li>\n<li>La volont\u00e9 des segments RFI \u00e0 adopter des solutions fintechs ; et<\/li>\n<li>La transition de l&#8217;\u00e9cosyst\u00e8me fintech actuel vers un point d&#8217;inflexion.<\/li>\n<\/ul>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td width=\"100%\">Pour lire notre rapport sur le paysage de la fintech en Inde, <a href=\"https:\/\/www.microsave.net\/fr\/2019\/10\/31\/etude-des-fintechs-pour-concevoir-un-laboratoire-de-linclusion-financiere\/\" target=\"_blank\" rel=\"noopener noreferrer\">cliquez ici<\/a><\/p>\n<p>Pour en savoir plus sur le Laboratoire de l\u2019inclusion financi\u00e8re et postuler, <a href=\"http:\/\/bharatinclusion.in\/financial-inclusion-lab.html\" target=\"_blank\" rel=\"noopener noreferrer\">cliquez ici<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong><u>Les opportunit\u00e9s qui existent sur le march\u00e9 RFI<\/u><\/strong><\/p>\n<p>Les diff\u00e9rentes parties prenantes avec lesquelles nous avons collabor\u00e9 au cours de cette \u00e9tude ont sugg\u00e9r\u00e9 que, quels que soient les d\u00e9fis li\u00e9s au march\u00e9 RFI, ce dernier offre un potentiel \u00e9norme. Ces parties prenantes incluent des investisseurs, fintechs et op\u00e9rateurs traditionnels. La plupart d&#8217;entre eux, cependant, ont adopt\u00e9 une approche prudente et attendent de voir un mod\u00e8le \u00e9conomique \u00e9prouv\u00e9 avant de s&#8217;aventurer dans cet espace. Un rapport publi\u00e9 en 2017 par Deloitte sugg\u00e8re qu&#8217;\u00e0 moyen terme, les acteurs fintechs seront en mesure de consolider leur position dans les zones urbaines et m\u00e9tropolitaines et se d\u00e9ployer dans les zones rurales et semi-urbaines au cours des 3 \u00e0 5 prochaines ann\u00e9es.<\/p>\n<p>Les trois raisons principales suivantes, selon notre analyse, indiquent qu&#8217;il existe des opportunit\u00e9s importantes sur le march\u00e9 RFI :<\/p>\n<p><strong><u><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3781\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/12\/LMI-tableaux.png\" alt=\"\" width=\"483\" height=\"279\" \/><\/u><\/strong><\/p>\n<p><strong><u>L\u2019accessibilit\u00e9 financi\u00e8re et la volont\u00e9 d&#8217;adopter des solutions fintechs<\/u><\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3776\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/12\/LMI-quote.png\" alt=\"\" width=\"518\" height=\"176\" \/><\/p>\n<p>Il est int\u00e9ressant de noter quelques diff\u00e9rences entre un client non-RFI et un client RFI. Pour la plupart des utilisateurs urbains qui ne font pas partie des RFI, le confort offert par l\u2019utilisation des solutions fintechs est \u00e9vident. Ils d\u00e9cident essentiellement en fonction de la capacit\u00e9 financi\u00e8re et des motivations \u00e9conomiques accord\u00e9es pour l\u2019utilisation de ces solutions. C&#8217;est la raison pour laquelle nous constatons un flux continu de remises en argent (cash-backs) de la part des fintechs conduisant \u00e0 un taux \u00e9lev\u00e9 de consommation de fonds pour desservir le march\u00e9 urbain non-RFI. Toutefois, les clients RFI pr\u00e9f\u00e8rent la convenance \u00e0 l&#8217;accessibilit\u00e9 financi\u00e8re dont le but est de minimiser leurs co\u00fbts d&#8217;opportunit\u00e9 en acc\u00e9dant aux m\u00eames services financiers.<\/p>\n<p><strong><u><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3769\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/12\/LMI-balance.png\" alt=\"\" width=\"384\" height=\"293\" \/><\/u><\/strong><\/p>\n<p><strong><u>La transition vers un point d&#8217;inflexion<\/u><\/strong><\/p>\n<p>Notre analyse indique que, dans le pays, le march\u00e9 RFI sera pr\u00eat pour les solutions fintech d&#8217;ici 2020. Le graphique ci-dessous sugg\u00e8re que le march\u00e9 des services financiers digitaux s\u2019achemine vers un point d\u2019inflexion.<\/p>\n<p>\u00c0 ce stade, le niveau d\u2019efforts requis pour la promotion des services financiers digitaux serait inf\u00e9rieur au co\u00fbt de la prestation des services, en raison des diverses innovations technologiques, telles que IndiaStack et autres API ouvertes, de la r\u00e9duction des co\u00fbts de donn\u00e9es et de l\u2019adoption rapide des smartphones.<\/p>\n<p>G\u00e9n\u00e9ralement un \u00e9cosyst\u00e8me favorable stimule une telle transition.<\/p>\n<p>Le graphe ci-dessous montre quatre d\u00e9veloppements qui ont jou\u00e9 un r\u00f4le essentiel dans la mise en place d&#8217;un tel \u00e9cosyst\u00e8me :<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3772 size-full\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/12\/LMI-graph.png\" alt=\"\" width=\"392\" height=\"200\" \/><\/p>\n<p>Ces informations sugg\u00e8rent que les segments RFI offrent effectivement des opportunit\u00e9s pour les fintechs et les prestataires de services financiers tels que les institutions de microfinance (IMF) et les banques du secteur public. D\u00e8s que l&#8217;\u00e9cosyst\u00e8me devient plus propice aux fintechs dans les ann\u00e9es \u00e0 venir, ce sera le moment id\u00e9al pour qu\u2019elles se concentrent davantage sur le march\u00e9 RFI. Dans notre <a href=\"https:\/\/www.microsave.net\/fr\/2019\/12\/15\/des-fintechs-pour-la-clientele-a-revenus-faibles-ou-intermediaires-rfi-exploiter-les-potentiels-inexploites\/\" target=\"_blank\" rel=\"noopener noreferrer\">prochain blog<\/a> de la s\u00e9rie, nous pr\u00e9sentons quelques-unes des voies potentielles par lesquels les acteurs de l&#8217;\u00e9cosyst\u00e8me peuvent servir le march\u00e9 RFI et lib\u00e9rer le potentiel inexploit\u00e9 de ce segment.<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"3787\" 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>Ce second blog de la s\u00e9rie souligne les opportunit\u00e9s potentielles de la client\u00e8le \u00e0 revenus faibles ou interm\u00e9diaires (RFI) et explique comment l&#8217;\u00e9cosyst\u00e8me actuel des fintechs s\u2019achemine vers un point d&#8217;inflexion.<\/p>\n","protected":false},"author":1031,"featured_media":38927,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5451],"tags":[],"region":[5519],"class_list":["post-3787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","post_theme-digital-et-fintech","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>Des fintechs pour la client\u00e8le \u00e0 revenus faibles ou interm\u00e9diaires (RFI) : d\u00e9mystifier les mythes et explorer les r\u00e9alit\u00e9s - MicroSave Consulting (MSC)<\/title>\n<meta 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