{"id":4446,"date":"2020-06-22T19:38:15","date_gmt":"2020-06-22T17:38:15","guid":{"rendered":"https:\/\/www.microsave.net\/fr\/?p=4446"},"modified":"2025-09-16T11:29:41","modified_gmt":"2025-09-16T05:59:41","slug":"le-paysage-fintech-togolais","status":"publish","type":"post","link":"https:\/\/www.microsave.net\/fr\/blog\/2020\/06\/22\/le-paysage-fintech-togolais\/","title":{"rendered":"Le paysage FinTech Togolais"},"content":{"rendered":"<h1 style=\"font-size: 36px\"><strong>Le paysage FinTech Togolais<\/strong><\/h1>\n<p>&nbsp;<\/p>\n<p>Le Togo a des projets ambitieux pour faire de la num\u00e9risation un levier de modernisation de l&#8217;\u00e9conomie et de la soci\u00e9t\u00e9, et a cr\u00e9\u00e9 des centres d&#8217;innovation pour soutenir le secteur des start-ups et mettre en place un environnement propice \u00e0 l&#8217;innovation et \u00e0 la R&amp;D. Dans le rapport Doing Business 2020 de la Banque mondiale, le Togo a \u00e9t\u00e9 class\u00e9 meilleur r\u00e9formateur de l&#8217;Afrique en 2019.<\/p>\n<p>Facteurs cl\u00e9s pour que les FinTechs parviennent \u00e0 stimuler l&#8217;inclusion financi\u00e8re : les efforts du gouvernement pour am\u00e9liorer la culture financi\u00e8re et int\u00e9grer les FinTechs \u00e0 ses strat\u00e9gies de d\u00e9veloppement du digital ; l\u2019offre de services de deuxi\u00e8me g\u00e9n\u00e9ration.<\/p>\n<p>L&#8217;inclusion financi\u00e8re peut augmenter gr\u00e2ce aux FinTechs dans le cadre de partenariats avec les op\u00e9rateurs historiques, d&#8217;une rationalisation des processus bancaires pour r\u00e9duire les co\u00fbts, de l&#8217;utilisation de donn\u00e9es alternatives et de la mise en place d&#8217;une r\u00e9glementation efficace.<\/p>\n<p>L&#8217;\u00e9cosyst\u00e8me : 17 FinTechs, 10 + facilitateurs et partenaires de financement. Les solutions bas\u00e9es sur des applications sont la technologie dominante.<\/p>\n<p>Tendances : les r\u00e9formes concernant les entreprises ont am\u00e9lior\u00e9 les syst\u00e8mes fiscaux et simplifi\u00e9 de ce fait le fonctionnement des PME, la digitalisation a introduit la rapidit\u00e9 (il faut par exemple quatre heures pour cr\u00e9er une entreprise en ligne) et des co\u00fbts plus r\u00e9duits pour mettre en place une entreprise.<\/p>\n<p>D\u00e9fis : faible niveau de culture financi\u00e8re et d&#8217;\u00e9ducation, faiblesse des revenus de la population, propension des start-ups \u00e0 fonctionner de mani\u00e8re informelle, capacit\u00e9 limit\u00e9e des start-ups \u00e0 s&#8217;offrir des services de support.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4447 size-full\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2024\/01\/Infographie-Fintech_Togo_FR-min.jpg\" alt=\"\" width=\"730\" height=\"1354\" \/><\/p>\n<button class=\"simplefavorite-button\" data-postid=\"4446\" 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>MSC a recueilli les r\u00e9ponses \u00e0 une enqu\u00eate qualitative r\u00e9alis\u00e9e aupr\u00e8s de participantes \u00e0 des groupes d&#8217;entraide repr\u00e9sentant diff\u00e9rentes tranches d&#8217;\u00e2ge, comprenant des jeunes (18 \u00e0 29 ans), des femmes d&#8217;\u00e2ge moyen (29+ \u00e0 45 ans) et des femmes plus \u00e2g\u00e9es (45+ ans). Des diff\u00e9rences ont \u00e9t\u00e9 identifi\u00e9es en fonction des tranches d\u2019\u00e2ge. Les jeunes membres des groupes d\u2019entraide se distinguent par leur optimisme et leur volont\u00e9 de rechercher de nouvelles opportunit\u00e9s. Elles sont plus enthousiastes \u00e0 l&#8217;id\u00e9e d&#8217;explorer de nouvelles opportunit\u00e9s et ont acc\u00e8s aux technologies digitales qui les exposent \u00e0 de multiples sources d&#8217;information.  <\/p>\n","protected":false},"author":1031,"featured_media":40680,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5451,5474],"tags":[],"region":[5520],"class_list":["post-4446","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-infographies","post_theme-banque-services-financiers-et-assurance-bfsi","post_theme-digital-et-fintech","post_theme-transformation-digitale","post_theme-inclusion-financiere","resource_type-infographies","region-afrique-de-louest-et-centrale"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le paysage FinTech Togolais - 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\/06\/22\/le-paysage-fintech-togolais\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le paysage FinTech Togolais - MicroSave Consulting (MSC)\" \/>\n<meta property=\"og:description\" content=\"MSC a recueilli les r\u00e9ponses \u00e0 une enqu\u00eate qualitative r\u00e9alis\u00e9e aupr\u00e8s de participantes \u00e0 des groupes d&#039;entraide repr\u00e9sentant diff\u00e9rentes tranches d&#039;\u00e2ge, comprenant des jeunes (18 \u00e0 29 ans), des femmes d&#039;\u00e2ge moyen (29+ \u00e0 45 ans) et des femmes plus \u00e2g\u00e9es (45+ ans). 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