{"id":47043,"date":"2015-10-13T17:58:33","date_gmt":"2015-10-13T21:58:33","guid":{"rendered":"https:\/\/staging21.finca.org\/our-work\/microfinance\/innovations-technologiques-dans-le-secteur-bancaire"},"modified":"2024-11-04T01:58:51","modified_gmt":"2024-11-04T06:58:51","slug":"innovations-technologiques-dans-le-secteur-bancaire","status":"publish","type":"page","link":"https:\/\/finca.org\/fr-ca\/our-work\/microfinance\/innovations-technologiques-dans-le-secteur-bancaire","title":{"rendered":"Innovations technologiques dans le secteur bancaire"},"content":{"rendered":"<p>En tant que fondateur et actionnaire majoritaire de FINCA Impact Finance, un <a href=\"https:\/\/finca.org\/where-we-work\/global\">r\u00e9seau mondial<\/a> d&rsquo;institutions de microfinance et de banques communautaires r\u00e9parties sur les cinq continents, FINCA International permet aux clients \u00e0 faibles revenus d&rsquo;acc\u00e9der \u00e0 des services financiers responsables. Afin d&rsquo;atteindre davantage de personnes, de favoriser une plus grande efficacit\u00e9 et de r\u00e9duire les co\u00fbts, le r\u00e9seau FINCA Impact Finance utilise des innovations dans les domaines de la banque et de la technologie financi\u00e8re (\u00ab\u00a0fintech\u00a0\u00bb) pour transformer la finance dans les march\u00e9s mal desservis du monde entier afin d&rsquo;\u00e9tendre l&rsquo;<a href=\"https:\/\/finca.org\/our-impact\/improved-lives\/financial-inclusion\" target=\"_blank\" rel=\"noopener\">inclusion financi\u00e8re<\/a> aux populations qui en sont traditionnellement exclues.<\/p>\n<h2>Innovations et solutions Fintech dans l&rsquo;ensemble du r\u00e9seau<\/h2>\n<h3>Banque mobile<\/h3>\n<p>Alors que la disponibilit\u00e9 des services financiers reste faible dans les pays en d\u00e9veloppement, la p\u00e9n\u00e9tration des t\u00e9l\u00e9phones mobiles est en hausse. Les solutions mobiles de cr\u00e9dit, d&rsquo;\u00e9pargne, de paiement et de porte-monnaie \u00e9lectronique aident les pauvres \u00e0 acc\u00e9der aux services financiers. Ils gagnent ainsi du temps et peuvent effectuer des transactions s\u00e9curis\u00e9es \u00e0 tout moment et en tout lieu. Qu&rsquo;il s&rsquo;agisse d&rsquo;un <a href=\"https:\/\/finca.org\/blogs\/finca-tanzania-mobile-savings-product\">produit d&rsquo;\u00e9pargne en Tanzanie<\/a> ou d&rsquo;un <a href=\"https:\/\/finca.org\/blogs\/empowering-women-digital-finance-pakistan\">produit de paiement num\u00e9rique gratuit au Pakistan<\/a>, les innovations en mati\u00e8re de banque mobile ouvrent de nouvelles voies \u00e0 l&rsquo;inclusion financi\u00e8re.<\/p>\n<blockquote><p>En 2018, les services bancaires mobiles ont repr\u00e9sent\u00e9 13 % de toutes les transactions effectu\u00e9es dans le r\u00e9seau FINCA Impact Finance.<\/p><\/blockquote>\n<figure id=\"attachment_44293\" aria-describedby=\"caption-attachment-44293\" style=\"width: 1050px\" class=\"wp-caption alignnone\"><img decoding=\"async\" data-src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Tanzania-HaloYako-Mobile-Savings-Product.jpg\" class=\"wp-image-20485 size-full lazyload img-fluid\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"Un client en Tanzanie utilise un compte d'\u00e9pargne mobile, qui n'est qu'une des innovations bancaires propos\u00e9es par FINCA.\" width=\"1050\" height=\"600\"><figcaption id=\"caption-attachment-44293\" class=\"wp-caption-text\"><noscript><img decoding=\"async\" class=\"wp-image-20485 size-full img-fluid\" src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Tanzania-HaloYako-Mobile-Savings-Product.jpg\" alt=\"Un client en Tanzanie utilise un compte d&#039;\u00e9pargne mobile, qui n&#039;est qu&#039;une des innovations bancaires propos\u00e9es par FINCA.\" width=\"1050\" height=\"600\" srcset=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Tanzania-HaloYako-Mobile-Savings-Product.jpg 1050w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Tanzania-HaloYako-Mobile-Savings-Product-300x171.jpg 300w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Tanzania-HaloYako-Mobile-Savings-Product-1024x585.jpg 1024w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Tanzania-HaloYako-Mobile-Savings-Product-768x439.jpg 768w\" sizes=\"(max-width: 1050px) 100vw, 1050px\" \/><\/noscript>  Une cliente en Tanzanie ouvre un compte d&rsquo;\u00e9pargne mobile HaloYako.<\/figcaption><\/figure>\n<h3>Agence bancaire<\/h3>\n<p>Dans les r\u00e9gions o\u00f9 il n&rsquo;y a pas d&rsquo;agence physique, les agents bancaires contribuent \u00e0 \u00e9tendre la port\u00e9e des services financiers responsables. Un agent bancaire est un <a href=\"https:\/\/finca.org\/fr-ca\/uncategorized-fr-ca\/rencontre-avec-spy-le-premier-agent-bancaire-de-finca-malawi\">commer\u00e7ant local<\/a> charg\u00e9 de traiter les transactions financi\u00e8res de ses clients. Un agent peut \u00eatre le propri\u00e9taire de la quincaillerie locale, de l&rsquo;\u00e9picerie ou du magasin du coin. Chaque agent utilise un terminal de point de vente (TPV) qui se connecte au r\u00e9seau bancaire de la filiale et aux comptes des clients. Lorsqu&rsquo;un client se rend chez un agent bancaire, il peut payer des factures, effectuer des d\u00e9p\u00f4ts, retirer ou transf\u00e9rer des fonds, consulter le solde de son compte ou effectuer d&rsquo;autres op\u00e9rations.  <a href=\"https:\/\/finca.org\/insights\/case-study-branchless-banking\">Les services bancaires par agence de FINCA ont d\u00e9but\u00e9 en RD Congo en 2012.<\/a> Fin 2018, <a href=\"https:\/\/finca.org\/where-we-work\/africa\/democratic-republic-of-congo\">FINCA DR Congo<\/a> disposait d&rsquo;un r\u00e9seau de plus de 1 000 agents qui traitent plus de 80 % des transactions financi\u00e8res de ses clients. Toujours en <a href=\"https:\/\/finca.org\/where-we-work\/africa\">Afrique<\/a>, un <a href=\"https:\/\/finca.org\/blogs\/partnership-transform-agency-banking-finca-zambia\">partenariat entre FINCA Zambie, Comic Relief et Jersey Overseas Aid<\/a> devrait permettre de transformer les agences bancaires pour atteindre les populations rurales pauvres.<\/p>\n<blockquote><p>Les agents bancaires ont trait\u00e9 pr\u00e8s de 30 % des transactions des clients de FINCA en 2018.<\/p><\/blockquote>\n<p><iframe class=\"lazyload\" data-src=\"https:\/\/www.youtube.com\/embed\/P-yh4tTiwMI?feature=oembed\" title=\"Achieving Financial Inclusion through Agent Banking\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h3>Biom\u00e9trie<\/h3>\n<p>Les agents bancaires utilisent des terminaux de point de vente \u00e9quip\u00e9s d&rsquo;un syst\u00e8me de reconnaissance biom\u00e9trique ou d&rsquo;un lecteur d&#8217;empreintes digitales. Cette technologie permet aux clients d&rsquo;acc\u00e9der \u00e0 leurs comptes FINCA en toute s\u00e9curit\u00e9. Il leur donne \u00e9galement la s\u00e9curit\u00e9 et le contr\u00f4le de leurs finances sans avoir \u00e0 se soucier de l&rsquo;usurpation d&rsquo;identit\u00e9.<\/p>\n<figure id=\"attachment_22770\" aria-describedby=\"caption-attachment-22770\" style=\"width: 1050px\" class=\"wp-caption alignnone\"><img decoding=\"async\" data-src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Agency-Banking-POS-Biometric-Fingerprint-Scan.jpg\" class=\"wp-image-22770 size-full lazyload img-fluid\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"La num\u00e9risation biom\u00e9trique n'est que l'une des innovations fintech mises en \u0153uvre par FINCA pour d\u00e9velopper l'inclusion financi\u00e8re.\" width=\"1050\" height=\"600\"><figcaption id=\"caption-attachment-22770\" class=\"wp-caption-text\"><noscript><img decoding=\"async\" class=\"wp-image-22770 size-full img-fluid\" src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Agency-Banking-POS-Biometric-Fingerprint-Scan.jpg\" alt=\"La num\u00e9risation biom\u00e9trique n&#039;est que l&#039;une des innovations fintech mises en \u0153uvre par FINCA pour d\u00e9velopper l&#039;inclusion financi\u00e8re.\" width=\"1050\" height=\"600\"><\/noscript>  Terminal POS avec lecture biom\u00e9trique utilis\u00e9 par les agents bancaires de FINCA Zambie.<\/figcaption><\/figure>\n<h3>Evaluation du cr\u00e9dit<\/h3>\n<p>Pour les <a href=\"https:\/\/finca.org\/fr-ca\/why-finca\/le-defi\">1,7 milliard d&rsquo;adultes non bancaris\u00e9s dans le monde<\/a>, l&rsquo;absence d&rsquo;historique d&#8217;emprunt formel entrave leur capacit\u00e9 \u00e0 acc\u00e9der aux capitaux n\u00e9cessaires au d\u00e9veloppement des petites entreprises. D&rsquo;autres m\u00e9thodes d&rsquo;\u00e9valuation du cr\u00e9dit sont actuellement test\u00e9es dans des pays comme le <a href=\"https:\/\/finca.org\/blogs\/financial-inclusion-credit-scoring\">Guatemala<\/a>. Elles peuvent s&rsquo;appuyer sur des donn\u00e9es psychom\u00e9triques ou mobiles pour \u00e9valuer avec pr\u00e9cision la solvabilit\u00e9 des individus, dans le but d&rsquo;\u00e9largir l&rsquo;inclusion financi\u00e8re.<\/p>\n<figure id=\"attachment_22775\" aria-describedby=\"caption-attachment-22775\" style=\"width: 1050px\" class=\"wp-caption alignnone\"><img decoding=\"async\" data-src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Tanzania-Credit-Scoring-Fintech.jpg\" class=\"wp-image-22775 size-full lazyload img-fluid\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"Les innovations dans le domaine des services financiers ont conduit certaines filiales de FINCA \u00e0 d\u00e9velopper des m\u00e9thodes alternatives d'\u00e9valuation du cr\u00e9dit qui prennent en compte un plus grand nombre de personnes.\" width=\"1050\" height=\"600\"><figcaption id=\"caption-attachment-22775\" class=\"wp-caption-text\"><noscript><img decoding=\"async\" class=\"wp-image-22775 size-full img-fluid\" src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Tanzania-Credit-Scoring-Fintech.jpg\" alt=\"Les innovations dans le domaine des services financiers ont conduit certaines filiales de FINCA \u00e0 d\u00e9velopper des m\u00e9thodes alternatives d&#039;\u00e9valuation du cr\u00e9dit qui prennent en compte un plus grand nombre de personnes.\" width=\"1050\" height=\"600\"><\/noscript>  FINCA Tanzanie est l&rsquo;une des nombreuses filiales \u00e0 piloter des approches alternatives en mati\u00e8re d&rsquo;\u00e9valuation du cr\u00e9dit.<\/figcaption><\/figure>\n<h3>Automatisation num\u00e9rique des champs (DFA)<\/h3>\n<p>Les agents de cr\u00e9dit \u00e9quip\u00e9s de tablettes peuvent recevoir et transmettre num\u00e9riquement les demandes de pr\u00eat des clients. Cela permet une collecte de donn\u00e9es plus rapide, plus propre et plus fiable. La <a href=\"https:\/\/finca.org\/blogs\/tablet-lending\">technologie en nuage<\/a> permet d&rsquo;automatiser les processus d&rsquo;\u00e9valuation de la solvabilit\u00e9 et de demande de pr\u00eat.<\/p>\n<figure id=\"attachment_44430\" aria-describedby=\"caption-attachment-44430\" style=\"width: 1050px\" class=\"wp-caption alignnone\"><img decoding=\"async\" data-src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-DFA-Tablet-Lending-Fintech.jpg\" class=\"wp-image-22771 size-full lazyload img-fluid\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"FINCA-Guatemala-DFA-Tablet-Lending-Fintech\" width=\"1050\" height=\"600\"><figcaption id=\"caption-attachment-44430\" class=\"wp-caption-text\"><noscript><img decoding=\"async\" class=\"wp-image-22771 size-full img-fluid\" src=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-DFA-Tablet-Lending-Fintech.jpg\" alt=\"FINCA-Guatemala-DFA-Tablet-Lending-Fintech\" width=\"1050\" height=\"600\" srcset=\"https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-DFA-Tablet-Lending-Fintech.jpg 1050w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-DFA-Tablet-Lending-Fintech-300x171.jpg 300w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-DFA-Tablet-Lending-Fintech-1024x585.jpg 1024w, https:\/\/finca.org\/wp-content\/uploads\/FINCA-Guatemala-DFA-Tablet-Lending-Fintech-768x439.jpg 768w\" sizes=\"(max-width: 1050px) 100vw, 1050px\" \/><\/noscript>  Un agent de cr\u00e9dit discute avec un client \u00e0 l&rsquo;aide d&rsquo;une tablette \u00e0 FINCA Guatemala.<\/figcaption><\/figure>\n<h2>Des innovations bancaires fond\u00e9es sur le partenariat<\/h2>\n<p>La <a href=\"https:\/\/finca.org\/blogs\/mastercard-foundation-five-changes\">Mastercard Foundation<\/a> a \u00e9t\u00e9 un partenaire important dans l&rsquo;adoption de la fintech, comme l&rsquo;agence bancaire. Pour en savoir plus, regardez cette vid\u00e9o :<\/p>\n<p><iframe class=\"lazyload\" data-src=\"https:\/\/www.youtube.com\/embed\/qVz39a-6yKU?feature=oembed\" title=\"FINCA &amp; The MasterCard Foundation on Alternative Delivery Channels\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En tant que fondateur et actionnaire majoritaire de FINCA Impact Finance, un r\u00e9seau mondial d&rsquo;institutions de microfinance et de banques [&hellip;]<\/p>\n","protected":false},"author":338,"featured_media":44293,"parent":47022,"menu_order":2,"comment_status":"closed","ping_status":"open","template":"page-legacy.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-47043","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Technologie et innovations dans le secteur bancaire : Microfinance et Fintech<\/title>\n<meta name=\"description\" content=\"Les innovations bancaires transforment la microfinance. D\u00e9couvrez comment FINCA utilise ces innovations fintech pour d\u00e9velopper l&#039;inclusion financi\u00e8re.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finca.org\/fr-ca\/wp-json\/wp\/v2\/pages\/47043\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Technologie et innovations dans le secteur bancaire : Microfinance et Fintech\" \/>\n<meta property=\"og:description\" content=\"Les innovations bancaires transforment la microfinance. 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