Comment le Kenya est-il devenu un leader mondial du transfert d’argent par mobile ?

Lu par 10018 Boytown

Et si tous les possesseurs d’un mobile, riches ou pauvres, avaient accès à des services financiers avec la possibilité d’épargner ou d’envoyer de l’argent de manière fiable sans tenir compte de l’endroit où ils sont ? Ce n’est pas de la Science-Fiction ! En fait le Kenya le vit déjà, et est ainsi devenu le leader du marché mondial du transfert d’argent par mobile.

Aujourd’hui le Kenya compte plus d’abonnés aux mobiles qu’il n’y a de citoyens adultes et bien plus de 80% de ceux qui possèdent un mobile utilisent aussi “mobile money” (ou “M-PESA” qui est un service différent du “mobile banking” comme le laissait entendre Michael Joseph, le PDG et l’homme derrière cette révolution – avec passion).

L’accès à internet s’accroit rapidement, même si plusieurs se plaignent du manque de services de certains opérateurs.

Durant les 2 prochaines années, le Kenya pourrait devenir l’un des pays les plus connectés, une économie moderne dans un monde en développement, et un cas unique parmi les pays les plus pauvres au monde où le revenu moyen annuel est en dessous de 1000 $ (500 000FCFA)par habitant.

La révolution des télécoms n’est pas un cas propre au Kenya mais le transfert d’argent par mobile l’est. Il y a approximativement pour ce mode de transfert, 60 millions d’utilisateurs à travers le monde ce qui signifie qu’un utilisateur sur trois est kenyan. La moitié des transactions du type transfert d’argent par mobile du monde a lieu au Kenya et le montant annuel de ces transactions avoisine les 10 milliards de dollars.

L’impact économique et l’émergence sociale ont été remarquables. Les affaires peuvent s’opérer de manière plus efficace :

  •  les propriétaires de commerces n’ont plus besoin de liquidité ou de faire la queue longtemps dans les banques pour transférer de l’argent à leurs fournisseurs ;
  •  Les habitants des zones urbaines n’ont plus besoin de faire de longs déplacements vers leurs villages pour payer les frais de scolarités de leurs enfants (ou donner de l’argent à leurs proches)
  •  Les femmes ont plus de liberté d’action parce que leurs époux ont plus de difficultés à prendre leur argent…

Même la politique du secteur macro-économique est devenue plus facile parce que la banque centrale a une meilleur gestion de l’argent en circulation, tant le transfert d’argent par mobile a contribué à déplacer les matelas de trésorerie provenant du marché.

Le succès du transfert d’argent par mobile au Kenya devrait être une source de fierté nationale, il donne du pays un profil global, qui n’est égalé que par les succès de ses athlètes de marathon.

Mais le leadership global du Kenya dans ce secteur est aussi déroutant. Même Hillary Clinton s’est demandé pourquoi cette “innovation brillante” n’est pas disponible aux USA. Comment se fait-il que le transfert d’argent par mobile ne soit pas déjà une réalité dans d’autres pays, et plus particulièrement dans ceux où les transferts d’argent en provenance de zones urbaines à destination de zones rurales étaient plus immenses encore que les standards kenyans ? S’il est si bénéfique aux clients et aux opérateurs, pourquoi n’ont-ils pas imités le succès kenyan, étant donné que cette imitation est beaucoup plus aisée que l’innovation ?

Il y a trois raisons principales qui expliquent l’explosion du mobile money au Kenya, alors qu’il faut batailler dans d’autres pays (même si l’Inde, les Philippines, le Nigeria, la Tanzanie et l’Ouganda ont commencé à rattraper le retard qu’ils accusaient).

Premièrement, les régulateurs kenyans ont permis cette explosion. La banque centrale en particulier a joué un rôle très progressif et donné son accord au projet pour que l’innovation continue, tout en assurant le marché de sa surveillance. Le régulateur a convenu que les agents du transfert d’argent par mobile n’avaient besoin que d’exigences limitées pour rentrer dans le marché puisqu’ils ne fournissaient pas de services bancaires tandis que l’opérateur s’est comporté comme s’il était réglementé et périodiquement fournissait des informations financières et d’utilisation comme le font les banques.

Ensuite, la stratégie de l’opérateur omniprésent – Safaricom – a aussi été importante. En 2007, la compagnie possédait déjà plus de 50% des parts de marché. Sa position importante et la présence nationale ont aidé à faire basculer la balance. Lorsque l’on imagine ce concept se dupliquer dans d’autres pays, une telle domination par un opérateur unique n’est pas une condition préalable favorable : des modèles alternatifs nombreux peuvent aussi aboutir à un tel succès, tels que “les tierses plateformes” à travers lesquelles les opérateurs se connectent.

Fait plus important encore, MPesa n’a pas été pensé pour faire des bénéfices dans l’immédiat. En effet, il a fallu environ 3 ans pour que M-Pesa génère un bénéfice net.

Toutefois, il a créé des avantages indirects, dès le début parce que dans le marché de plus en plus concurrentiel du Kenya, le transfert d’argent par mobile a stimulé la loyauté et attiré de nouveaux clients au cœur de ses affaires liés à la voix et aux SMS.

Enfin, la gestion de Safaricom avait compris que le succès de M-Pesa était basé sur la gestion des personnes pas celle de la technologie. Plusieurs innovations ont échoué parce que la gestion se focalisait surtout sur la conception et le lancement du produit, en se disant que la technologie grandirait seule par la suite. Il faut des gens pour que les machines fonctionnent et les interactions que vous obtenez après le lancement peuvent générer des produits encore meilleurs. Le véritable secret du succès de M-Pesa est la gestion du réseau d’agents, qui est ainsi passé de 300 initialement à près de 30 000 aujourd’hui.

Aucun doute ne persiste sur le fait que l’argent mobile va bientôt devenir mondial, surtout si les pays tirent les leçons du cas kenyan. Dans le monde entier, il y a plus de 2 milliards de possesseurs de téléphones mobiles mais ils ne possèdent pas tous des comptes en banque : pour ceux-là, l’argent mobile peut s’avérer être une proposition très attrayante.

Lu par 10018 Boytown

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