{"id":8765,"date":"2024-09-16T23:24:27","date_gmt":"2024-09-16T23:24:27","guid":{"rendered":"https:\/\/verypaych.wpenginepowered.com\/?p=8765"},"modified":"2024-09-17T00:01:02","modified_gmt":"2024-09-17T00:01:02","slug":"addressing-the-inefficiencies-and-risks-of-cash-based-social-cash-transfers","status":"publish","type":"post","link":"https:\/\/verypay.africa\/fr\/addressing-the-inefficiencies-and-risks-of-cash-based-social-cash-transfers\/","title":{"rendered":"S\u2019attaquer aux inefficacit\u00e9s et aux risques des transferts sociaux en esp\u00e8ces"},"content":{"rendered":"

\"african<\/p>\n

 <\/p>\n

Dans de nombreuses r\u00e9gions de l\u2019Afrique subsaharienne, <\/span>Transferts sociaux en esp\u00e8ces (TSE)<\/span><\/b><\/a> Les programmes d\u2019aide aux personnes vuln\u00e9rables sont essentiels pour soutenir les populations vuln\u00e9rables en leur fournissant une aide financi\u00e8re. Ces programmes distribuent une aide directement aux personnes et aux m\u00e9nages dans le besoin, les aidant \u00e0 couvrir les d\u00e9penses essentielles comme la nourriture, l\u2019\u00e9ducation et les soins de sant\u00e9. <\/span>\u00a0<\/span><\/p>\n

Les programmes SCT sont r\u00e9pandus sur tout le continent. <\/span>Des pays comme l\u2019Afrique du Sud, le Kenya, le Malawi et le Nig\u00e9ria d\u00e9ploient des programmes de transferts mon\u00e9taires \u00e0 grande \u00e9chelle. Au Nig\u00e9ria, le gouvernement s\u2019est engag\u00e9 \u00e0 fournir des transferts mon\u00e9taires \u00e0 environ <\/span>25 millions de citoyens vuln\u00e9rables<\/span><\/a>, visant \u00e0 am\u00e9liorer les r\u00e9sultats en mati\u00e8re de sant\u00e9 et d\u2019\u00e9ducation.<\/span><\/p>\n

\"\"<\/span><\/span><\/p>\n

Les programmes de transferts mon\u00e9taires sociaux en Afrique visent \u00e0 soutenir les m\u00e9nages pauvres dans des domaines tels que la sant\u00e9, la nutrition, l\u2019\u00e9ducation et la s\u00e9curit\u00e9 alimentaire.<\/em><\/span><\/p>\n

Cependant, de nombreux syst\u00e8mes SCT s\u2019appuient fortement sur <\/span><\/span>m\u00e9thodes bas\u00e9es sur les esp\u00e8ces<\/span><\/span>, qui pr\u00e9sentent des d\u00e9fis et des risques importants. Alors que les pays cherchent \u00e0 moderniser ces syst\u00e8mes, il est essentiel de rem\u00e9dier \u00e0 ces limitations pour am\u00e9liorer l\u2019efficacit\u00e9 et la s\u00e9curit\u00e9 des programmes de transplantation d\u2019organes, aujourd\u2019hui et \u00e0 l\u2019avenir.<\/span><\/span><\/p>\n

Les d\u00e9fis des syst\u00e8mes SCT bas\u00e9s sur les esp\u00e8ces et pourquoi l'optimisation est n\u00e9cessaire<\/span>\u00a0<\/span><\/h2>\n

Compte tenu des risques et des inefficacit\u00e9s inh\u00e9rents aux syst\u00e8mes de transferts mon\u00e9taires en esp\u00e8ces, il existe un consensus croissant sur le fait que ces m\u00e9thodes ne suffisent plus \u00e0 r\u00e9pondre aux besoins des populations les plus vuln\u00e9rables. De nombreux gouvernements et organisations \u00e9tudient actuellement la possibilit\u00e9 de recourir \u00e0 des transferts mon\u00e9taires en esp\u00e8ces. <\/span><\/span>syst\u00e8mes de paiement num\u00e9riques<\/span><\/span><\/strong> comme une alternative plus pratique.<\/span><\/span>\u00a0<\/span><\/p>\n

\"Africans<\/p>\n

Longues files d'attente et retards dangereux<\/span>\u00a0<\/span><\/h3>\n

Les programmes de transferts mon\u00e9taires en esp\u00e8ces obligent souvent les b\u00e9n\u00e9ficiaires \u00e0 faire la queue pendant de longues p\u00e9riodes aux points de collecte d\u00e9sign\u00e9s pour recevoir leurs paiements. Ces retards peuvent conduire \u00e0 des situations dangereuses, telles que <\/span>bousculades au S\u00e9n\u00e9gal<\/span><\/b><\/a>, o\u00f9 les points de collecte bond\u00e9s ont entra\u00een\u00e9 des bless\u00e9s et des d\u00e9c\u00e8s. <\/span><\/p>\n

Dans les r\u00e9gions o\u00f9 les infrastructures sont m\u00e9diocres, les b\u00e9n\u00e9ficiaires peuvent passer des jours \u00e0 se d\u00e9placer vers et depuis les points de collecte, ce qui retarde encore davantage leur acc\u00e8s \u00e0 l\u2019aide financi\u00e8re dont ils ont tant besoin. <\/span>\u00a0<\/span><\/p>\n

Un risque s\u00e9curitaire encore plus grand pour les populations vuln\u00e9rables<\/h3>\n

Le transport de sommes importantes en liquide pr\u00e9sente de graves risques pour la s\u00e9curit\u00e9, en particulier dans les zones o\u00f9 la criminalit\u00e9 est \u00e9lev\u00e9e. Apr\u00e8s avoir r\u00e9cup\u00e9r\u00e9 leurs fonds, les b\u00e9n\u00e9ficiaires doivent souvent parcourir de longues distances pour rentrer chez eux, ce qui les rend vuln\u00e9rables aux attaques. <\/span>vol et cambriolage<\/span><\/b>.\u00a0<\/span>\u00a0<\/span><\/p>\n

Ce danger est particuli\u00e8rement pr\u00e9occupant pour les femmes, les personnes \u00e2g\u00e9es et celles qui vivent dans des zones recul\u00e9es. Pour ces groupes, le simple fait de transporter de l\u2019argent liquide peut \u00eatre source d\u2019anxi\u00e9t\u00e9 et les exposer \u00e0 des risques.<\/span>\u00a0<\/span><\/p>\n

Co\u00fbts d'exploitation \u00e9lev\u00e9s<\/h3>\n

Les syst\u00e8mes bas\u00e9s sur l\u2019argent liquide n\u00e9cessitent beaucoup de ressources et n\u00e9cessitent des efforts consid\u00e9rables de la part des gouvernements et des organisations d\u2019aide pour g\u00e9rer la distribution physique. Selon un rapport sur les transferts sociaux en esp\u00e8ces en Afrique subsaharienne, <\/span>frais administratifs<\/span><\/b> associ\u00e9s aux transferts d'argent manuels peuvent consommer jusqu'\u00e0 <\/span>la moiti\u00e9 du budget du programme.<\/span><\/b><\/a>\u00a0 <\/span><\/b>Dans des cas comme celui du programme SCT au Lesotho, les co\u00fbts logistiques li\u00e9s \u00e0 la s\u00e9curit\u00e9 et au transport rendent la distribution d'argent on\u00e9reuse et inefficace. Ces inefficacit\u00e9s non seulement ralentissent le processus mais r\u00e9duisent \u00e9galement les fonds globaux disponibles pour aider les b\u00e9n\u00e9ficiaires.<\/span>\u00a0<\/span><\/p>\n

Fraude<\/span> est commun<\/span><\/h3>\n

Les transferts en esp\u00e8ces sont sujets \u00e0 la fraude, notamment <\/span>b\u00e9n\u00e9ficiaires fant\u00f4mes<\/span><\/b>\u2014des personnes qui n\u2019existent pas mais qui re\u00e7oivent quand m\u00eame des paiements en raison de failles dans les syst\u00e8mes manuels. La fraude r\u00e9duit l\u2019efficacit\u00e9 des programmes de SCT et sape la confiance du public dans ces syst\u00e8mes.<\/span>\u00a0<\/span><\/p>\n

Les audits biom\u00e9triques au Nig\u00e9ria ont contribu\u00e9 \u00e0 \u00e9liminer\u00a037 000 retrait\u00e9s fant\u00f4mes<\/a> des salaires du gouvernement, r\u00e9duisant ainsi la fraude et permettant d\u2019\u00e9conomiser des fonds substantiels, ce qui indique que cette fraude est toujours bien vivante.<\/p>\n

Il est temps de changer : pourquoi les paiements num\u00e9riques sont la voie \u00e0 suivre<\/span>\u00a0<\/span><\/span>\u00a0<\/span><\/h2>\n

\"\"<\/span><\/p>\n

Alors que les gouvernements cherchent \u00e0 <\/span>moderniser les programmes SCT<\/span><\/b>Les plateformes de paiement num\u00e9rique apparaissent comme une solution \u00e9vidente \u00e0 de nombreux probl\u00e8mes li\u00e9s aux syst\u00e8mes de paiement en esp\u00e8ces. Ces technologies offrent un moyen plus s\u00fbr, plus rapide et plus rentable de fournir l\u2019aide directement aux b\u00e9n\u00e9ficiaires.<\/span>\u00a0<\/span><\/p>\n

En 2021, un <\/span><\/b>Programme de la Banque mondiale<\/span><\/b><\/a> a pilot\u00e9 avec succ\u00e8s des transferts d'argent mobiles aupr\u00e8s de pr\u00e8s de 3 000 m\u00e9nages dans la r\u00e9gion de Mopti<\/span><\/b> comme alternative aux m\u00e9thodes standard de d\u00e9caissement d\u2019esp\u00e8ces.\u00a0<\/span>\u00a0<\/span><\/p>\n

Les participants ont constat\u00e9 que l\u2019utilisation des technologies mobiles pour acc\u00e9der \u00e0 leurs paiements \u00e9tait <\/span>plus facile, plus rapide, plus s\u00fbr et avec moins de co\u00fbts associ\u00e9s<\/span><\/b>Ce projet pilote fournit des preuves solides en faveur de l\u2019expansion des transferts d\u2019argent mobiles dans les programmes de s\u00e9curit\u00e9 sociale.<\/span>\u00a0<\/span><\/p>\n

Paiements sans contact pour plus de s\u00e9curit\u00e9 et d'efficacit\u00e9<\/span>\u00a0<\/span><\/h3>\n

En passant des d\u00e9caissements en esp\u00e8ces aux <\/span>paiements num\u00e9riques sans contact<\/span><\/b>Les programmes SCT peuvent r\u00e9pondre \u00e0 la fois aux pr\u00e9occupations de s\u00e9curit\u00e9 et d\u2019efficacit\u00e9. Les b\u00e9n\u00e9ficiaires peuvent recevoir des fonds directement sur des portefeuilles mobiles s\u00e9curis\u00e9s ou des comptes num\u00e9riques, \u00e9liminant ainsi le besoin de transporter de l\u2019argent liquide et r\u00e9duisant le risque de vol. De plus, les d\u00e9caissements num\u00e9riques r\u00e9duisent les temps d\u2019attente, ce qui permet de distribuer l\u2019aide plus rapidement.<\/span>\u00a0<\/span><\/p>\n

\u00c9largir l'acc\u00e8s gr\u00e2ce \u00e0 la technologie portable<\/span>\u00a0<\/span><\/h3>\n

\"hand<\/span><\/p>\n

Bien que de nombreux syst\u00e8mes de paiement num\u00e9rique s\u2019appuient sur des smartphones, tous les b\u00e9n\u00e9ficiaires n\u2019en poss\u00e8dent pas un.\u00a0<\/span>Par cons\u00e9quent, des solutions innovantes telles que\u00a0appareils portables<\/strong> offrir une alternative plus inclusive.<\/span>\u00a0<\/span><\/p>\n

Par exemple, les b\u00e9n\u00e9ficiaires peuvent utiliser des formulaires simples, <\/span>appuyez et partez<\/span><\/b> Les utilisateurs peuvent d\u00e9sormais acc\u00e9der \u00e0 leurs fonds sans avoir besoin d\u2019un smartphone ou d\u2019une technologie complexe. Les paiements num\u00e9riques sont ainsi accessibles m\u00eame aux populations les plus d\u00e9favoris\u00e9es.<\/span>\u00a0<\/span><\/p>\n

Des paiements s\u00e9curis\u00e9s, efficaces et simples avec la solution compl\u00e9mentaire de portefeuille \u00e9lectronique de VeryPay<\/span>\u00a0<\/span><\/h2>\n

\"Judith,<\/span><\/p>\n

Judith, responsable de la r\u00e9ussite client de VeryPay en Ouganda, pr\u00e9sente le fonctionnement de l'application VeryPay.<\/em><\/span><\/p>\n

La solution compl\u00e9mentaire de portefeuille \u00e9lectronique de VeryPay est con\u00e7ue pour s'int\u00e9grer parfaitement aux syst\u00e8mes SCT, offrant aux b\u00e9n\u00e9ficiaires un moyen s\u00e9curis\u00e9 et sans contact de recevoir leurs paiements. En utilisant une technologie qui fonctionne sans smartphone, la solution de VeryPay est particuli\u00e8rement adapt\u00e9e aux populations \u00e0 faibles revenus et rurales. Ces syst\u00e8mes r\u00e9duisent la charge physique et financi\u00e8re des b\u00e9n\u00e9ficiaires tout en r\u00e9duisant les co\u00fbts de fonctionnement des institutions gouvernementales.\u00a0<\/span><\/p>\n

\u00c0 mesure que les programmes de transferts mon\u00e9taires \u00e9voluent, la num\u00e9risation des transferts mon\u00e9taires offre une opportunit\u00e9 significative d'am\u00e9liorer la s\u00e9curit\u00e9, l'efficacit\u00e9 et l'inclusion financi\u00e8re. En collaborant avec les gouvernements et les fournisseurs de portefeuilles mobiles, VeryPay contribue \u00e0 garantir des d\u00e9caissements rapides et transparents qui profitent aux communaut\u00e9s mal desservies. Cette transition de l'argent liquide physique aux paiements num\u00e9riques favorise \u00e9galement une plus grande diffusion des transferts mon\u00e9taires. \u00e9ducation financi\u00e8re<\/strong> et permet aux b\u00e9n\u00e9ficiaires de construire dossiers financiers num\u00e9riques<\/strong>, favorisant stabilit\u00e9 \u00e9conomique.<\/strong><\/p>\n

Pour d\u00e9couvrir comment les paiements num\u00e9riques favorisent le d\u00e9veloppement durable en Afrique, consultez notre autre article de blog :<\/em> Construire des ponts financiers : les paiements num\u00e9riques et la voie vers le d\u00e9veloppement durable en Afrique.<\/strong><\/a><\/p>\n

Fa\u00e7onner l'avenir des programmes SCT avec des solutions num\u00e9riques qui incluent financi\u00e8rement tout le monde<\/h2>\n

Les limites des syst\u00e8mes de transferts mon\u00e9taires sociaux en esp\u00e8ces devenant de plus en plus \u00e9videntes, la n\u00e9cessit\u00e9 d\u2019une modernisation est \u00e9vidente. Les risques associ\u00e9s au transport d\u2019esp\u00e8ces, les d\u00e9fis du versement manuel et le risque de fraude soulignent tous l\u2019importance d\u2019explorer de nouvelles possibilit\u00e9s. <\/span>les plateformes de paiement num\u00e9riques comme solution viable.\u00a0<\/span>\u00a0<\/span><\/p>\n

En adoptant des syst\u00e8mes de paiement sans contact polyvalents mais s\u00e9curis\u00e9s tels que VeryPay, les programmes SCT peuvent r\u00e9duire les co\u00fbts, optimiser l\u2019ensemble du processus et, surtout, garantir la s\u00e9curit\u00e9 et la dignit\u00e9 des personnes qu\u2019ils sont cens\u00e9s aider.<\/span>\u00a0<\/span><\/p>\n

Vous souhaitez en savoir plus sur la mani\u00e8re dont VeryPay entend soutenir les transferts mon\u00e9taires sociaux en Afrique ? Ne manquez pas notre keynote \u00e0 l'AFSIC 2024, o\u00f9 le directeur non ex\u00e9cutif de VeryPay, Philippe Vogeleer, pr\u00e9sentera aux c\u00f4t\u00e9s du reste des \u00e9quipes de VeryPay et VerySell Technologies pr\u00e9sentes du 7 au 9 octobre \u00e0 Londres !<\/p>","protected":false},"excerpt":{"rendered":"

  Dans de nombreuses r\u00e9gions d\u2019Afrique subsaharienne, les transferts sociaux en esp\u00e8ces (TSE) sont essentiels pour soutenir\u2026<\/p>","protected":false},"author":14,"featured_media":8766,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[29,30,31],"tags":[],"class_list":{"0":"post-8765","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog-post","8":"category-industry-insights","9":"category-product-featured"},"acf":[],"yoast_head":"\nVeryPay Mobile Money Technology Solutions - Addressing the Inefficiencies and Risks of Cash-Based Social Cash Transfers<\/title>\n<meta name=\"description\" content=\"Digital payment platforms are emerging as a clear solution to many of the problems with Cash-based SCT programs. 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