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INNOVATION FINANCIERE ET DEVELOPPEMENT DURABLE AU CAMEROUN : Pourquoi le Développement du «Mobile Banking» est-il Important ?

Author

Listed:
  • TCHOUTO

    (Association of African Young Economists)

  • Christian Lambert NGUENA

    (Association of African Young Economists)

Abstract

Dans le contexte du Cameroun où l’exclusion financière est assez importante, l’intérêt de lié au développement du «mobile banking» pour le développement reste important. En dépit d’un nombre limité d’adhésions aux services du «mobile banking», l’on a décelé une grande prédisposition de la population jeune, instruite et ayant des connaissances préalables à adopter les produits les services financiers mobiles ; leurs principaux motifs sont le gain de temps et la commodité des services. Les opposants au «mobile banking» s’attachent à leurs habitudes de paiement et au contact personnel avec les partenaires commerciaux. Si des progrès restent à faire en matière de réglementation, l’avenir du «mobile banking» au Cameroun semble prometteur. Dans un cadre de mobilisation et de libération le potentiel du « mobile banking », un partenariat entre les opérateurs de télécommunications et les banques commerciales devrait par exemple être encouragé par l’Etat camerounais. Les institutions financières devraient dans leurs démarches de communication, chercher à atteindre les jeunes ayant des habitudes de paiement en ligne ; de plus, les autorités publiques sont appelées à sensibiliser les agents sur les avantages des services financiers à distance en renforçant le cadre juridique sur la sécurité et l’anonymat des opérations.

Suggested Citation

  • TCHOUTO & Christian Lambert NGUENA, 2015. "INNOVATION FINANCIERE ET DEVELOPPEMENT DURABLE AU CAMEROUN : Pourquoi le Développement du «Mobile Banking» est-il Important ?," AAYE Policy Research Working Paper Series 15_029, Association of African Young Economists, revised Mar 2015.
    • Handle: RePEc:aay:wpaper:15_029
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    References listed on IDEAS

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    1. Mudit Kapoor & Jonathan Morduch & Shamika Ravi, 2007. "From Microfinance to m-Finance Innovations Case Discussion: M-PESA," Innovations: Technology, Governance, Globalization, MIT Press, vol. 2(1-2), pages 82-90, April.
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