The acceleration of digital flows rests on the continuous expansion of subscriptions. The issuing institute records a total base of 284.7 million electronic money accounts, of which 92.7 million are qualified as active. Over the past fiscal year, dedicated platforms processed 16.36 billion operations, posting a 37.3% increase in volume. Driven by this momentum, the electronic money usage rate now stands at 60.3%, a rise of 3.1 percentage points in twelve months, lifting the overall financial services usage rate to 76.1% at the community level. While mobile money constitutes the main vector of integration, the conventional banking apparatus maintains a measured expansion dynamic. The strict banking rate reaches 26.9%, while the broadened rate crosses the 50.6% threshold. The 136 credit institutions operating within the Union saw their customer deposit outstandings grow by 16.5%, settling at 56,200 billion CFA francs, with credit outstandings to the economy valued at 38,732 billion CFA francs. The average cost of credit remains, for its part, oriented towards stability, standing at 6.69%.

In parallel, the interbank electronic payment infrastructure records sustained activity, driven by the circulation of 8.76 million bank cards for a total transaction amount of 16,389 billion CFA francs. The prepaid card segment confirms the shift in consumption habits with a 44.8% increase, totaling nearly 2.58 million active cards, prized for their flexible access without a prerequisite bank account. The statistical mapping published by the BCEAO nevertheless highlights the persistence of structural divides between member states. Côte d'Ivoire and Senegal remain the two financial engines of the community space, concentrating the bulk of exchanged value between them, with respective flows of 71,307 billion CFA francs and 58,617 billion CFA francs.


Asaba

Tags: uemoa mobile money monnaie electronique bceao inclusion financiere fintech afrique banque centrale cote d'ivoire senegal paiement mobile