{"id":3799,"date":"2019-12-16T14:35:42","date_gmt":"2019-12-16T13:35:42","guid":{"rendered":"https:\/\/www.microsave.net\/fr\/?p=3799"},"modified":"2025-09-15T17:36:51","modified_gmt":"2025-09-15T12:06:51","slug":"obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2","status":"publish","type":"post","link":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/","title":{"rendered":"Obstacles \u00e0 l&#8217;activit\u00e9 d&#8217;agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l&#8217;Ouganda (1\u00e8re partie)"},"content":{"rendered":"<h3><strong>Obstacles \u00e0 l&#8217;activit\u00e9 d&#8217;agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l&#8217;Ouganda <\/strong><strong>(1\u00e8re partie)<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><em><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3805\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/02\/agency.jpg\" alt=\"\" width=\"800\" height=\"366\" \/><\/em><\/p>\n<p><em>Graham Wright, juin 2014 <\/em><\/p>\n<p>Dans le cadre du programme Acc\u00e9l\u00e9rateur de r\u00e9seaux d\u2019agents (Agent Network Accelerator \u2013 ANA) de l\u2019Institut Helix, nous avons interrog\u00e9 2 052 agents en Tanzanie et 2 028 agents en Ouganda. Nous avons examin\u00e9 un large \u00e9ventail de questions, dont notamment :<\/p>\n<ul>\n<li>Donn\u00e9es d\u00e9mographiques relatives aux agents et agences<\/li>\n<li>Gestion de la liquidit\u00e9<\/li>\n<li>Soutien des fournisseurs aux agents<\/li>\n<li>Viabilit\u00e9 du mod\u00e8le d&#8217;affaires des agents<\/li>\n<li>Principales questions op\u00e9rationnelles<\/li>\n<\/ul>\n<p>Dans cette derni\u00e8re section, nous avons pos\u00e9 la question de savoir quels sont les plus grands d\u00e9fis op\u00e9rationnels auxquels les agents sont confront\u00e9s. Les r\u00e9ponses sont r\u00e9v\u00e9latrices.<\/p>\n<p><strong>Fraude et vol \u00e0 main arm\u00e9e<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3802\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/12\/agency-fraude.png\" alt=\"\" width=\"665\" height=\"481\" \/><\/p>\n<p>En Ouganda et en Tanzanie, la fraude figure en t\u00eate de liste, suivie de pr\u00e8s par les vols \u00e0 main arm\u00e9e. Il y a un an, nous avons discut\u00e9 de ces probl\u00e8mes dans le blog <em><a href=\"https:\/\/www.microsave.net\/fr\/2019\/03\/21\/pourquoi-voler-les-agents-parce-que-cest-la-ou-se-trouve-largent\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pourquoi voler les Agents ? Parce que c&#8217;est l\u00e0 o\u00f9 se trouve l&#8217;argent. <\/a><\/em>\u00a0Il est clair que les probl\u00e8mes persistent.<\/p>\n<p>L&#8217;un des principaux moyens de relever le d\u00e9fi de la fraude consiste \u00e0 offrir un soutien et une formation continue aux agents afin qu&#8217;ils soient au courant des derni\u00e8res arnaques perp\u00e9tr\u00e9es sur le march\u00e9 et qu&#8217;ils puissent y r\u00e9agir. Pourtant, les sondages de l&#8217;ANA montrent \u00e0 maintes reprises que les agents re\u00e7oivent une formation tr\u00e8s limit\u00e9e.<\/p>\n<p>En Tanzanie et en Ouganda, 55 % et 33 % des agents respectivement n&#8217;ont jamais suivi de cours de recyclage. En Ouganda, seulement 33 % des agents ont re\u00e7u la visite du prestataire, alors que 46 % des agents d\u00e9clarent n&#8217;avoir re\u00e7u aucune visite. Parmi ceux qui ont re\u00e7u une visite, 35 % d\u00e9clarent que la fr\u00e9quence des visites n&#8217;est pas fixe. En revanche, 76 % des agents tanzaniens d\u00e9clarent avoir re\u00e7u une visite, s&#8217;agissant de visites effectu\u00e9es directement par le prestataire \u00e0 raison d&#8217;au moins une par mois. De toute \u00e9vidence, cependant, les agents n&#8217;obtiennent pas le soutien dont ils ont besoin. Etant donn\u00e9 le nombre important d&#8217;agents qui d\u00e9clarent du \u00ab\u00a0temps consacr\u00e9 \u00e0 la formation par un prestataire de services\u00a0\u00bb, une grande partie (sinon la totalit\u00e9) de cette formation et de ce soutien doit \u00eatre dispens\u00e9e sur place dans le cadre des syst\u00e8mes de suivi des agents par les prestataires.<\/p>\n<p><strong>Service \u00e0 la client\u00e8le<\/strong><\/p>\n<p>En Tanzanie comme en Ouganda, la gestion des probl\u00e8mes li\u00e9s au service \u00e0 la client\u00e8le est le deuxi\u00e8me d\u00e9fi auquel les agents doivent faire face.\u00a0 Bien que le service \u00e0 la client\u00e8le ne semble pas toujours \u00eatre un domaine d&#8217;int\u00e9r\u00eat cl\u00e9 pour les fournisseurs, il repr\u00e9sente un souci tr\u00e8s r\u00e9el pour les agents. Ce probl\u00e8me risque de miner la confiance dans les services financiers digitaux s&#8217;il n&#8217;est pas abord\u00e9 de mani\u00e8re ad\u00e9quate. Bon nombre des probl\u00e8mes de service \u00e0 la client\u00e8le proviennent d&#8217;erreurs de transaction et des demandes d&#8217;annulation qui en d\u00e9coulent. Il en r\u00e9sulte des d\u00e9fis li\u00e9s \u00e0 la politique de r\u00e9pudiation si bien d\u00e9crits par Joseck Mudiri dans <em><a href=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/10\/Fraud_in_Mobile_Financial_Services_JMudiri_FR.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">La fraude dans les services financiers mobiles<\/a><\/em><em>.<\/em><\/p>\n<p>Les fournisseurs peuvent essentiellement choisir entre trois politiques en mati\u00e8re de r\u00e9pudiation :<\/p>\n<ol>\n<li><em>La<\/em> <em>non r\u00e9pudiation<\/em> : le fournisseur choisit de ne pas interf\u00e9rer dans les transactions ; les appelants sont invit\u00e9s \u00e0 r\u00e9soudre le probl\u00e8me directement avec le destinataire ou \u00e0 demander une r\u00e9paration juridique.<\/li>\n<li><em>Le centre d&#8217;appels r\u00e9pudie instantan\u00e9ment<\/em> : le centre d&#8217;appels du fournisseur peut r\u00e9pudier des transactions seulement sur la base de la demande de l&#8217;exp\u00e9diteur sans consulter le destinataire.<\/li>\n<li><em>Les fonds sont suspendus avant la r\u00e9pudiation<\/em> : dans ce sc\u00e9nario, le client appelle le centre d&#8217;appels du fournisseur et demande la r\u00e9pudiation. Le centre d&#8217;appels suspend imm\u00e9diatement les fonds pour s&#8217;assurer qu&#8217;ils ne peuvent pas \u00eatre retir\u00e9s. Le destinataire est alors appel\u00e9. Si le destinataire insiste sur le fait que les fonds lui appartiennent r\u00e9ellement, les employ\u00e9s du centre d&#8217;appels remettent les fonds au destinataire. Si toutefois le destinataire accepte que les fonds appartiennent \u00e0 l&#8217;\u00e9metteur, les fonds sont contre-pass\u00e9s \u00e0 ce denier.<\/li>\n<\/ol>\n<p>Chacune de ces politiques comporte des avantages et des inconv\u00e9nients, mais toutes exigent une formation attentive des agents et la sensibilisation des clients pour g\u00e9rer les attentes et le comportement.<\/p>\n<p>La gestion efficace de la fraude, la s\u00e9curit\u00e9 et le service \u00e0 la client\u00e8le exigent des investissements de la part des agents et\/ou des fournisseurs. Cela a des cons\u00e9quences sur la rentabilit\u00e9 et la capacit\u00e9 des agents \u00e0 sensibiliser les clients, \u00e0 faire le marketing aupr\u00e8s d&#8217;eux et \u00e0 leur proposer une gamme de produits. Ces aspects seront abord\u00e9s dans le<a href=\"https:\/\/www.microsave.net\/fr\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-2-2\/\" target=\"_blank\" rel=\"noopener noreferrer\"> prochain blog<\/a> de la s\u00e9rie.<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"3799\" 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>Dans le cadre du programme Acc\u00e9l\u00e9rateur de r\u00e9seaux d\u2019agents (Agent Network Accelerator \u2013 ANA) de l\u2019Institut Helix, nous avons interrog\u00e9 2 052 agents en Tanzanie et 2 028 agents en Ouganda. Nous avons examin\u00e9 un large \u00e9ventail de questions, dont notamment la question de savoir quels sont les plus grands d\u00e9fis op\u00e9rationnels auxquels les agents sont confront\u00e9s. La fraude et les probl\u00e8mes li\u00e9s au service \u00e0 la client\u00e8le figurent en t\u00eate de liste. <\/p>\n","protected":false},"author":1031,"featured_media":40759,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5451],"tags":[],"region":[5530],"class_list":["post-3799","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","post_theme-banque-services-financiers-et-assurance-bfsi","post_theme-protection-des-donnees","post_theme-protection-consommateur","post_theme-inclusion-financiere","resource_type-articles","region-afrique-de-lest"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Obstacles \u00e0 l&#039;activit\u00e9 d&#039;agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l&#039;Ouganda (1\u00e8re partie) - 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\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Obstacles \u00e0 l&#039;activit\u00e9 d&#039;agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l&#039;Ouganda (1\u00e8re partie) - MicroSave Consulting (MSC)\" \/>\n<meta property=\"og:description\" content=\"Dans le cadre du programme Acc\u00e9l\u00e9rateur de r\u00e9seaux d\u2019agents (Agent Network Accelerator \u2013 ANA) de l\u2019Institut Helix, nous avons interrog\u00e9 2 052 agents en Tanzanie et 2 028 agents en Ouganda. Nous avons examin\u00e9 un large \u00e9ventail de questions, dont notamment la question de savoir quels sont les plus grands d\u00e9fis op\u00e9rationnels auxquels les agents sont confront\u00e9s. La fraude et les probl\u00e8mes li\u00e9s au service \u00e0 la client\u00e8le figurent en t\u00eate de liste.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/\" \/>\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=\"2019-12-16T13:35:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-15T12:06:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/02\/agency.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"366\" \/>\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=\"4 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\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/\"},\"author\":{\"name\":\"Rebecca Szantyr\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#\\\/schema\\\/person\\\/0434c54ec0112b2df6b94a87a3f4f0ba\"},\"headline\":\"Obstacles \u00e0 l&#8217;activit\u00e9 d&#8217;agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l&#8217;Ouganda (1\u00e8re partie)\",\"datePublished\":\"2019-12-16T13:35:42+00:00\",\"dateModified\":\"2025-09-15T12:06:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/\"},\"wordCount\":856,\"publisher\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/agency.jpg\",\"articleSection\":[\"Articles\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/\",\"name\":\"Obstacles \u00e0 l'activit\u00e9 d'agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l'Ouganda (1\u00e8re partie) - MicroSave Consulting (MSC)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/agency.jpg\",\"datePublished\":\"2019-12-16T13:35:42+00:00\",\"dateModified\":\"2025-09-15T12:06:51+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/agency.jpg\",\"contentUrl\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/agency.jpg\",\"width\":800,\"height\":366},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/12\\\/16\\\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Obstacles \u00e0 l&#8217;activit\u00e9 d&#8217;agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l&#8217;Ouganda (1\u00e8re partie)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/\",\"name\":\"Microsave Consulting Fr\",\"description\":\"Consulting pour Services Financiers\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#organization\",\"name\":\"MSC CONSULTING\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/MSC.jpg\",\"contentUrl\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/MSC.jpg\",\"width\":360,\"height\":340,\"caption\":\"MSC CONSULTING\"},\"image\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/MicroSaveConsultingFR\",\"https:\\\/\\\/x.com\\\/MicroSaveFR\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8NseooqQHxCWDoZ63T42ig\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#\\\/schema\\\/person\\\/0434c54ec0112b2df6b94a87a3f4f0ba\",\"name\":\"Rebecca Szantyr\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/607a29c3263e8210eeabd43b5b34afc265d522a5fe25c350322c35b05485ca68?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/607a29c3263e8210eeabd43b5b34afc265d522a5fe25c350322c35b05485ca68?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/607a29c3263e8210eeabd43b5b34afc265d522a5fe25c350322c35b05485ca68?s=96&d=mm&r=g\",\"caption\":\"Rebecca Szantyr\"},\"description\":\"Rebecca Szantyr is a senior manager at MicroSave Consulting Francophone Africa.\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/auteur\\\/rebecca-szantyr\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Obstacles \u00e0 l'activit\u00e9 d'agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l'Ouganda (1\u00e8re partie) - MicroSave Consulting (MSC)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/","og_locale":"en_US","og_type":"article","og_title":"Obstacles \u00e0 l'activit\u00e9 d'agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l'Ouganda (1\u00e8re partie) - MicroSave Consulting (MSC)","og_description":"Dans le cadre du programme Acc\u00e9l\u00e9rateur de r\u00e9seaux d\u2019agents (Agent Network Accelerator \u2013 ANA) de l\u2019Institut Helix, nous avons interrog\u00e9 2 052 agents en Tanzanie et 2 028 agents en Ouganda. Nous avons examin\u00e9 un large \u00e9ventail de questions, dont notamment la question de savoir quels sont les plus grands d\u00e9fis op\u00e9rationnels auxquels les agents sont confront\u00e9s. La fraude et les probl\u00e8mes li\u00e9s au service \u00e0 la client\u00e8le figurent en t\u00eate de liste.","og_url":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/","og_site_name":"MicroSave Consulting (MSC)","article_publisher":"https:\/\/www.facebook.com\/MicroSaveConsultingFR","article_published_time":"2019-12-16T13:35:42+00:00","article_modified_time":"2025-09-15T12:06:51+00:00","og_image":[{"width":800,"height":366,"url":"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/02\/agency.jpg","type":"image\/jpeg"}],"author":"Rebecca Szantyr","twitter_card":"summary_large_image","twitter_creator":"@MicroSaveFR","twitter_site":"@MicroSaveFR","twitter_misc":{"Written by":"Rebecca Szantyr","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/#article","isPartOf":{"@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/"},"author":{"name":"Rebecca Szantyr","@id":"https:\/\/www.microsave.net\/fr\/#\/schema\/person\/0434c54ec0112b2df6b94a87a3f4f0ba"},"headline":"Obstacles \u00e0 l&#8217;activit\u00e9 d&#8217;agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l&#8217;Ouganda (1\u00e8re partie)","datePublished":"2019-12-16T13:35:42+00:00","dateModified":"2025-09-15T12:06:51+00:00","mainEntityOfPage":{"@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/"},"wordCount":856,"publisher":{"@id":"https:\/\/www.microsave.net\/fr\/#organization"},"image":{"@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/#primaryimage"},"thumbnailUrl":"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/02\/agency.jpg","articleSection":["Articles"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/","url":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/","name":"Obstacles \u00e0 l'activit\u00e9 d'agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l'Ouganda (1\u00e8re partie) - MicroSave Consulting (MSC)","isPartOf":{"@id":"https:\/\/www.microsave.net\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/#primaryimage"},"image":{"@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/#primaryimage"},"thumbnailUrl":"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/02\/agency.jpg","datePublished":"2019-12-16T13:35:42+00:00","dateModified":"2025-09-15T12:06:51+00:00","breadcrumb":{"@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/#primaryimage","url":"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/02\/agency.jpg","contentUrl":"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/02\/agency.jpg","width":800,"height":366},{"@type":"BreadcrumbList","@id":"https:\/\/www.microsave.net\/fr\/blog\/2019\/12\/16\/obstacles-a-lactivite-dagent-donnees-provenant-de-la-tanzanie-et-de-louganda-1-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.microsave.net\/fr\/"},{"@type":"ListItem","position":2,"name":"Obstacles \u00e0 l&#8217;activit\u00e9 d&#8217;agent \u2013 Donn\u00e9es provenant de la Tanzanie et de l&#8217;Ouganda (1\u00e8re partie)"}]},{"@type":"WebSite","@id":"https:\/\/www.microsave.net\/fr\/#website","url":"https:\/\/www.microsave.net\/fr\/","name":"Microsave Consulting Fr","description":"Consulting pour Services Financiers","publisher":{"@id":"https:\/\/www.microsave.net\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.microsave.net\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.microsave.net\/fr\/#organization","name":"MSC CONSULTING","url":"https:\/\/www.microsave.net\/fr\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.microsave.net\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2022\/11\/MSC.jpg","contentUrl":"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2022\/11\/MSC.jpg","width":360,"height":340,"caption":"MSC CONSULTING"},"image":{"@id":"https:\/\/www.microsave.net\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MicroSaveConsultingFR","https:\/\/x.com\/MicroSaveFR","https:\/\/www.youtube.com\/channel\/UC8NseooqQHxCWDoZ63T42ig"]},{"@type":"Person","@id":"https:\/\/www.microsave.net\/fr\/#\/schema\/person\/0434c54ec0112b2df6b94a87a3f4f0ba","name":"Rebecca Szantyr","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/607a29c3263e8210eeabd43b5b34afc265d522a5fe25c350322c35b05485ca68?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/607a29c3263e8210eeabd43b5b34afc265d522a5fe25c350322c35b05485ca68?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/607a29c3263e8210eeabd43b5b34afc265d522a5fe25c350322c35b05485ca68?s=96&d=mm&r=g","caption":"Rebecca Szantyr"},"description":"Rebecca Szantyr is a senior manager at MicroSave Consulting Francophone Africa.","url":"https:\/\/www.microsave.net\/fr\/auteur\/rebecca-szantyr\/"}]}},"_links":{"self":[{"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/posts\/3799","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/users\/1031"}],"replies":[{"embeddable":true,"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/comments?post=3799"}],"version-history":[{"count":5,"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/posts\/3799\/revisions"}],"predecessor-version":[{"id":42864,"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/posts\/3799\/revisions\/42864"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/media\/40759"}],"wp:attachment":[{"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/media?parent=3799"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/categories?post=3799"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/tags?post=3799"},{"taxonomy":"region","embeddable":true,"href":"https:\/\/www.microsave.net\/fr\/wp-json\/wp\/v2\/region?post=3799"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}