{"id":11615,"date":"2025-08-16T10:41:34","date_gmt":"2025-08-16T09:41:34","guid":{"rendered":"https:\/\/lamarinabj.com\/?p=11615"},"modified":"2025-08-16T10:43:50","modified_gmt":"2025-08-16T09:43:50","slug":"loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif","status":"publish","type":"post","link":"https:\/\/lamarinabj.com\/index.php\/2025\/08\/16\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\/","title":{"rendered":"Lo\u00efc Aplogan (Visa Afrique) : Digitaliser nos \u00e9conomies \u00ab n\u2019est plus un luxe, c\u2019est un imp\u00e9ratif \u00bb"},"content":{"rendered":"\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Paiement, La Marina BJ <\/mark><\/strong>\u2013 <strong><em>Dans les rues anim\u00e9es de Douala, les commer\u00e7ants jonglent encore avec des liasses de billets froiss\u00e9s. \u00c0 Niamey, un fonctionnaire attend des heures pour percevoir une allocation sociale, faute d\u2019un syst\u00e8me fluide. \u00c0 Cotonou, de jeunes entrepreneurs peinent \u00e0 convaincre leurs clients d\u2019adopter les paiements \u00e9lectroniques. Des sc\u00e8nes famili\u00e8res qui r\u00e9v\u00e8lent une r\u00e9alit\u00e9 persistante : dans l\u2019Afrique francophone, le cash domine encore. Mais pour Lo\u00efc Aplogan, Directeur D\u00e9veloppement Afrique de l\u2019Ouest et Centrale chez Visa, cette situation ne peut plus durer. \u00ab Digitaliser les interactions entre gouvernements, entreprises et citoyens n\u2019est plus un luxe, c\u2019est un imp\u00e9ratif \u00bb, tranche-t-il.<\/em><\/strong><\/p>\n\n\n\n<p>Avec \u00e0 peine un adulte sur trois ayant acc\u00e8s \u00e0 un compte bancaire formel, l\u2019Afrique francophone se trouve face \u00e0 une opportunit\u00e9 historique. Le succ\u00e8s du mobile money a d\u00e9j\u00e0 prouv\u00e9 l\u2019app\u00e9tence des populations pour des solutions pratiques et accessibles. Mais Lo\u00efc Aplogan estime que l\u2019enjeu va bien au-del\u00e0 des transactions du quotidien. \u00c9voquant les march\u00e9s francophones d\u2019Afrique, il souligne que les paiements digitaux permettent d\u2019ouvrir l\u2019acc\u00e8s aux services financiers et publics pour des millions de personnes, \u00ab y compris les populations non bancaris\u00e9es. \u00bb<\/p>\n\n\n\n<p>L\u2019inclusion financi\u00e8re devient ainsi un levier de stabilit\u00e9 sociale. Dans un contexte o\u00f9 les in\u00e9galit\u00e9s demeurent criantes, digitaliser les flux signifie r\u00e9duire la fracture entre les populations connect\u00e9es et celles encore d\u00e9pendantes du cash.<\/p>\n\n\n\n<h2 id=\"des-benefices-pour-les-etats-et-les-pme\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Des b\u00e9n\u00e9fices pour les \u00c9tats et les PME<\/mark><\/h2>\n\n\n\n<p>L\u2019impact de cette transition d\u00e9passe le simple citoyen. Les \u00c9tats eux-m\u00eames ont beaucoup \u00e0 y gagner. La digitalisation des achats publics (G2B) r\u00e9duirait les co\u00fbts, renforcerait la transparence et ouvrirait les march\u00e9s aux PME locales, longtemps exclues des appels d\u2019offres faute de formalisation. \u00ab Plus d\u2019efficacit\u00e9, moins de co\u00fbts et plus d\u2019acc\u00e8s pour les PME locales \u00bb, r\u00e9sume l\u2019ex\u00e9cutif de Visa Afrique de l&rsquo;Ouest et Centrale.<\/p>\n\n\n\n<p>Les versements sociaux (G2P), eux, pourraient changer la donne pour les zones rurales. L\u2019exemple de plusieurs pays africains, o\u00f9 des aides sociales d\u00e9mat\u00e9rialis\u00e9es ont atteint directement les b\u00e9n\u00e9ficiaires pendant la pand\u00e9mie, illustre la puissance de ces outils.<\/p>\n\n\n\n<p>Quant aux PME, leur comp\u00e9titivit\u00e9 d\u00e9pend de plus en plus de l\u2019adoption des paiements \u00e9lectroniques. De Lagos \u00e0 Dakar, nombre d\u2019entreprises en croissance perdent encore des clients faute de solutions modernes. Une preuve vivante qu\u2019accepter le digital, c\u2019est acc\u00e9der \u00e0 de nouveaux march\u00e9s, notamment dans le commerce transfrontalier, comme le rappelle Lo\u00efc Aplogan.<\/p>\n\n\n\n<h2 id=\"les-donnees-nouvel-or-noir-des-politiques-publiques\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Les donn\u00e9es, nouvel or noir des politiques publiques<\/mark><\/h2>\n\n\n\n<p>Dans un continent souvent accus\u00e9 de manquer de statistiques fiables, l\u2019essor des paiements digitaux ouvrirait un gisement d\u2019informations in\u00e9dit. Les flux de transactions offrent une photographie en temps r\u00e9el des comportements de consommation et des dynamiques \u00e9conomiques locales. Exploiter ces donn\u00e9es, c\u2019est mieux \u00ab orienter les politiques publiques et le d\u00e9veloppement \u00e9conomique \u00bb, explique Lo\u00efc Aplogan. De quoi permettre aux gouvernements d\u2019affiner leurs strat\u00e9gies agricoles, de calibrer les subventions ou encore d\u2019am\u00e9liorer la gestion du tourisme.<\/p>\n\n\n\n<p>Mais pour que ce potentiel devienne r\u00e9alit\u00e9, une condition s\u2019impose : la coop\u00e9ration. L\u2019Afrique francophone a tous les atouts pour devenir un hub de paiements digitaux inclusifs, mais selon Lo\u00efc Aplogan, c&rsquo;est \u00ab \u00e0 condition d\u2019unir r\u00e9gulateurs, gouvernements, banques, fintechs et acteurs priv\u00e9s dans une strat\u00e9gie commune. \u00bb<\/p>\n\n\n\n<p>Selon lui, <a href=\"https:\/\/www.linkedin.com\/posts\/laplogan_transformational-power-of-digital-payments-activity-7362265717980766209-i6ZF?utm_source=share&amp;utm_medium=member_android&amp;rcm=ACoAAB5kdiYBisHWtqIJWsiNQW_K-f8efubyaLE\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-green-color\"><strong>quatre priorit\u00e9s<\/strong><\/mark><\/a> doivent structurer cette transformation : moderniser les achats publics, renforcer l\u2019inclusion financi\u00e8re, soutenir les PME et digitaliser les services publics. Au fond, l\u2019enjeu n\u2019est pas seulement technique, mais profond\u00e9ment politique. Les paiements digitaux, c\u2019est aussi une mani\u00e8re de r\u00e9duire les in\u00e9galit\u00e9s, de renforcer la confiance et de b\u00e2tir des soci\u00e9t\u00e9s plus r\u00e9silientes.<\/p>\n\n\n\n<p>Dans une r\u00e9gion o\u00f9 l\u2019\u00e9conomie informelle repr\u00e9sente parfois plus de 50 % du PIB, le passage du cash \u00e0 la confiance num\u00e9rique pourrait red\u00e9finir le contrat social. Entre urgence \u00e9conomique et n\u00e9cessit\u00e9 politique, l\u2019Afrique francophone se trouve \u00e0 un tournant : celui o\u00f9 la digitalisation des paiements ne rel\u00e8ve plus d\u2019un luxe, mais d\u2019une obligation strat\u00e9gique.<\/p>\n","protected":false},"excerpt":{"rendered":"Paiement, La Marina BJ \u2013 Dans les rues anim\u00e9es de Douala, les commer\u00e7ants jonglent encore avec des liasses&hellip;\n","protected":false},"author":8,"featured_media":11616,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"standard","csco_appearance_masonry":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[110,191,1001],"tags":[55,1655,1654],"class_list":{"0":"post-11615","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business","8":"category-en-savoir-plus-2","9":"category-opinions","10":"tag-afrique","11":"tag-loic-aplogan","12":"tag-paiements-digitaux","13":"cs-entry","14":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lo\u00efc Aplogan (Visa Afrique) : Digitaliser nos \u00e9conomies \u00ab n\u2019est plus un luxe, c\u2019est un imp\u00e9ratif \u00bb - LA MARINA BJ<\/title>\n<meta name=\"description\" content=\"Des sc\u00e8nes famili\u00e8res qui r\u00e9v\u00e8lent une r\u00e9alit\u00e9 persistante : dans l\u2019Afrique francophone, le cash domine encore. Mais pour Lo\u00efc Aplogan, Directeur D\u00e9veloppement Afrique de l\u2019Ouest et Centrale chez Visa, cette situation ne peut plus durer. \u00ab Digitaliser les interactions entre gouvernements, entreprises et citoyens n\u2019est plus un luxe, c\u2019est un imp\u00e9ratif \u00bb, tranche-t-il.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lamarinabj.com\/index.php\/2025\/08\/16\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lo\u00efc Aplogan (Visa Afrique) : Digitaliser nos \u00e9conomies \u00ab n\u2019est plus un luxe, c\u2019est un imp\u00e9ratif \u00bb - LA MARINA BJ\" \/>\n<meta property=\"og:description\" content=\"Des sc\u00e8nes famili\u00e8res qui r\u00e9v\u00e8lent une r\u00e9alit\u00e9 persistante : dans l\u2019Afrique francophone, le cash domine encore. Mais pour Lo\u00efc Aplogan, Directeur D\u00e9veloppement Afrique de l\u2019Ouest et Centrale chez Visa, cette situation ne peut plus durer. \u00ab Digitaliser les interactions entre gouvernements, entreprises et citoyens n\u2019est plus un luxe, c\u2019est un imp\u00e9ratif \u00bb, tranche-t-il.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lamarinabj.com\/index.php\/2025\/08\/16\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\/\" \/>\n<meta property=\"og:site_name\" content=\"LA MARINA BJ\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-16T09:41:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-16T09:43:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lamarinabj.com\/wp-content\/uploads\/2025\/08\/Screenshot_20250816-103516.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"993\" \/>\n\t<meta property=\"og:image:height\" content=\"573\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"La Marina BJ - Team Business &amp; \u00c9conomie &amp; Finances\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"La Marina BJ - Team Business &amp; \u00c9conomie &amp; Finances\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/\"},\"author\":{\"name\":\"La Marina BJ - Team Business &amp; \u00c9conomie &amp; Finances\",\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/#\\\/schema\\\/person\\\/daecc7fb1eea21418f92763d06a3f4b4\"},\"headline\":\"Lo\u00efc Aplogan (Visa Afrique) : Digitaliser nos \u00e9conomies \u00ab n\u2019est plus un luxe, c\u2019est un imp\u00e9ratif \u00bb\",\"datePublished\":\"2025-08-16T09:41:34+00:00\",\"dateModified\":\"2025-08-16T09:43:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/\"},\"wordCount\":743,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lamarinabj.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Screenshot_20250816-103516.jpg\",\"keywords\":[\"Afrique\",\"Lo\u00efc Aplogan\",\"paiements digitaux\"],\"articleSection\":[\"BUSINESS\",\"EN SAVOIR PLUS\",\"OPINIONS\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/#respond\"]}]},{\"@type\":[\"WebPage\",\"SearchResultsPage\"],\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/\",\"url\":\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/\",\"name\":\"Lo\u00efc Aplogan (Visa Afrique) : Digitaliser nos \u00e9conomies \u00ab n\u2019est plus un luxe, c\u2019est un imp\u00e9ratif \u00bb - LA MARINA BJ\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/index.php\\\/2025\\\/08\\\/16\\\/loic-aplogan-visa-afrique-digitaliser-nos-economies-nest-plus-un-luxe-cest-un-imperatif\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lamarinabj.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Screenshot_20250816-103516.jpg\",\"datePublished\":\"2025-08-16T09:41:34+00:00\",\"dateModified\":\"2025-08-16T09:43:50+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/lamarinabj.com\\\/#\\\/schema\\\/person\\\/daecc7fb1eea21418f92763d06a3f4b4\"},\"description\":\"Des sc\u00e8nes famili\u00e8res qui r\u00e9v\u00e8lent une r\u00e9alit\u00e9 persistante : dans l\u2019Afrique francophone, le cash domine encore. 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