{"id":3868,"date":"2020-01-08T10:18:50","date_gmt":"2020-01-08T09:18:50","guid":{"rendered":"https:\/\/www.microsave.net\/fr\/?p=3868"},"modified":"2025-09-19T17:30:19","modified_gmt":"2025-09-19T12:00:19","slug":"transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue","status":"publish","type":"post","link":"https:\/\/www.microsave.net\/fr\/blog\/2020\/01\/08\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\/","title":{"rendered":"Transactions OTC : tremplin pour le digital ou voie sans issue ?"},"content":{"rendered":"<h3>Transactions OTC : tremplin pour le digital ou voie sans issue ?<\/h3>\n<p>&nbsp;<\/p>\n<p><em><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3869\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/01\/OTC-transaction_MSC.jpg\" alt=\"\" width=\"800\" height=\"366\" \/><\/em><\/p>\n<p><em>Anup Singh, Graham Wright and Mike McCaffrey, juillet 2016<\/em><\/p>\n<p>\u00c0 la fois jeune et dynamique, le secteur de la finance digitale innove constamment pour r\u00e9soudre les probl\u00e8mes auxquels il est confront\u00e9 au fur et \u00e0 mesure de son d\u00e9veloppement. L&#8217;un des sujets de discussion actuels porte sur les transactions r\u00e9alis\u00e9es par des agents au guichet (OTC, pour <em>over the counter<\/em> en anglais). La prestation de services de transactions mobiles par agent soul\u00e8ve un certain nombre de questions car elle pourrait limiter l&#8217;\u00e9volution des produits, r\u00e9duire la rentabilit\u00e9 des fournisseurs et favoriser les transactions non enregistr\u00e9es, qui pr\u00e9sentent un risque en termes de blanchiment d&#8217;argent et de financement du terrorisme.<\/p>\n<p>Dans ce rapport, nous avons cherch\u00e9 \u00e0 examiner ces questions de plus pr\u00e8s et, \u00e0 l&#8217;aide des donn\u00e9es de l\u2019Institut <em>Helix<\/em>, d&#8217;InterMedia et de la GSMA, \u00e0 fournir une perspective analytique sur les avantages et les inconv\u00e9nients du mod\u00e8le OTC. Cette analyse nous permet de proposer des recommandations sur la gestion de l\u2019approche OTC \u00e0 l&#8217;avenir. Pour commencer, nous pr\u00e9sentons une typologie simple des diff\u00e9rents types de transactions OTC pour \u00e9tablir une terminologie commune pour la discussion. Nous nous penchons ensuite sur les diff\u00e9rentes questions soulev\u00e9es par le mod\u00e8le OTC. Dans la troisi\u00e8me section, nous expliquons pourquoi, selon nous, certains types de transactions OTC devraient \u00eatre consid\u00e9r\u00e9s comme un tremplin vers l&#8217;adoption et l&#8217;utilisation des comptes de transactions mobiles. Enfin, nous pr\u00e9sentons nos conclusions et recommandations pour faire avancer le secteur, en nous appuyant sur les donn\u00e9es pr\u00e9sent\u00e9es et certains des nouveaux d\u00e9veloppements dans ce domaine.<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"3868\" 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>\u00c0 la fois jeune et dynamique, le secteur de la finance digitale innove constamment pour r\u00e9soudre les probl\u00e8mes auxquels il est confront\u00e9 au fur et \u00e0 mesure de son d\u00e9veloppement. L&#8217;un des sujets de discussion actuels porte sur les transactions r\u00e9alis\u00e9es par des agents au guichet (OTC, pour over the counter en anglais). La prestation de services de transactions mobiles par agent soul\u00e8ve un certain nombre de questions car elle pourrait limiter l&#8217;\u00e9volution des produits, r\u00e9duire la rentabilit\u00e9 des fournisseurs et favoriser les transactions non enregistr\u00e9es, qui pr\u00e9sentent un risque en termes de blanchiment d&#8217;argent et de financement du terrorisme. Dans ce rapport, nous avons cherch\u00e9 \u00e0 examiner ces questions de plus pr\u00e8s et, \u00e0 l&#8217;aide des donn\u00e9es de l\u2019Institut Helix, d&#8217;InterMedia et de la GSMA, \u00e0 fournir une perspective analytique sur les avantages et les inconv\u00e9nients du mod\u00e8le OTC.<\/p>\n","protected":false},"author":1031,"featured_media":39857,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5452],"tags":[],"region":[5530,5519],"class_list":["post-3868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rapports","post_theme-banque-services-financiers-et-assurance-bfsi","post_theme-transformation-digitale","post_theme-inclusion-financiere","resource_type-rapport","region-afrique-de-lest","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>Transactions OTC : tremplin pour le digital ou voie sans issue ? - 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\/2020\/01\/08\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transactions OTC : tremplin pour le digital ou voie sans issue ? - MicroSave Consulting (MSC)\" \/>\n<meta property=\"og:description\" content=\"\u00c0 la fois jeune et dynamique, le secteur de la finance digitale innove constamment pour r\u00e9soudre les probl\u00e8mes auxquels il est confront\u00e9 au fur et \u00e0 mesure de son d\u00e9veloppement. L&#039;un des sujets de discussion actuels porte sur les transactions r\u00e9alis\u00e9es par des agents au guichet (OTC, pour over the counter en anglais). La prestation de services de transactions mobiles par agent soul\u00e8ve un certain nombre de questions car elle pourrait limiter l&#039;\u00e9volution des produits, r\u00e9duire la rentabilit\u00e9 des fournisseurs et favoriser les transactions non enregistr\u00e9es, qui pr\u00e9sentent un risque en termes de blanchiment d&#039;argent et de financement du terrorisme. Dans ce rapport, nous avons cherch\u00e9 \u00e0 examiner ces questions de plus pr\u00e8s et, \u00e0 l&#039;aide des donn\u00e9es de l\u2019Institut Helix, d&#039;InterMedia et de la GSMA, \u00e0 fournir une perspective analytique sur les avantages et les inconv\u00e9nients du mod\u00e8le OTC.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.microsave.net\/fr\/blog\/2020\/01\/08\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\/\" \/>\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=\"2020-01-08T09:18:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-19T12:00:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/01\/OTC-transaction_MSC.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=\"2 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\\\/2020\\\/01\\\/08\\\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2020\\\/01\\\/08\\\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\\\/\"},\"author\":{\"name\":\"Rebecca Szantyr\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#\\\/schema\\\/person\\\/0434c54ec0112b2df6b94a87a3f4f0ba\"},\"headline\":\"Transactions OTC : tremplin pour le digital ou voie sans issue ?\",\"datePublished\":\"2020-01-08T09:18:50+00:00\",\"dateModified\":\"2025-09-19T12:00:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2020\\\/01\\\/08\\\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\\\/\"},\"wordCount\":305,\"publisher\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2020\\\/01\\\/08\\\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/OTC-transaction_MSC.jpg\",\"articleSection\":[\"Rapports\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2020\\\/01\\\/08\\\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\\\/\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2020\\\/01\\\/08\\\/transactions-otc-tremplin-pour-le-digital-ou-voie-sans-issue\\\/\",\"name\":\"Transactions OTC : tremplin pour le digital ou voie sans issue ? 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