La Beac interdit les transactions de l’opérateur télécoms MTN Cameroun hors de la zone Cemac

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Dans une correspondance datée du 19 juin 2017, le gouverneur de la Banque des Etats de l’Afrique centrale (Beac), institut d’émission des six Etats de la Cemac que sont le Cameroun, le Gabon, le Tchad, la RCA, le Congo et la Guinée équatoriale, invite les dirigeants des banques en activité dans cet espace communautaire, à «cesser toute opération de transfert de fonds à l’international dans le cadre des activités de monnaie électronique, par le canal de (leurs) partenaires techniques».

A en croire Abbas Mahamat Tolli, cette décision découle de ce que «les opérateurs de téléphonie mobile seraient, en réalité, les véritables émetteurs de monnaie électronique, en assureraient la gestion et procéderaient à des transferts à l’international. De telles actions constitueraient alors une violation grave de l’esprit et de la lettre de la réglementation régissant non seulement l’activité d’émission de la monnaie électronique, mais aussi la réglementation des changes».

Au Cameroun, cette mesure concerne particulièrement la filiale locale de l’opérateur télécoms sud-africain MTN International, dont le partenaire bancaire sur le produit Mobile Money est la banque camerounaise Afriland First Bank. En effet, mu certainement pas la concurrence farouche observée sur le marché du Mobile Money dans le pays, MTN Cameroun a lancé, en janvier 2017, une offre permettant à ses abonnés à ce service, d’effectuer des transferts d’argent vers 25 pays africains.

«Fini les files d’attente interminables et les longues heures dans les transports. Avec MTN Mobile Money, vous pouvez désormais envoyer de l’argent vers 25 pays en Afrique à partir de votre compte MTN Mobile Money », pouvait-on lire sur les messages de l’opérateur. Jusqu’à la dernière sortie du gouverneur de la Beac, cette offre était valable pour des pays de la Cemac tels que le Gabon et le Congo, mais aussi pour des pays d’Afrique de l’Ouest tels que le Bénin, le Burkina Faso, la Côte d’Ivoire, la Guinée-Bissau, le Mali, le Niger, le Nigeria, le Sénégal, ou encore le Togo.

Pour rappel, depuis environ 2 ans, le service Mobile Money est en pleine expansion au Cameroun. A fin 2016, le pays comptait officiellement environ 5,4 millions d’abonnés à ce service, dont 2,6 millions pour MTN Cameroun, qui a aguiché 300 000 nouveaux clients sur ce segment de marché, au cours de la période allant de juin à septembre 2016, ainsi que le révèlent les rapports financiers de cet opérateur télécoms.

Brice R. Mbodiam

Lire aussi:

27-03-2017 – La Beac dénonce les transferts via le Mobile Money en dehors de la zone Cemac

30-01-2017 – Au Cameroun, MTN et Orange se livrent une guerre commerciale farouche sur le marché du mobile money

MTN lance le service d’envoi d’argent par mobile du Cameroun en direction de 25 pays d’Afrique

Agence Ecofin

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