{"id":7988,"date":"2024-06-27T19:40:06","date_gmt":"2024-06-27T17:40:06","guid":{"rendered":"https:\/\/cabex.insign-africa.com\/?post_type=tribune&#038;p=7988"},"modified":"2024-10-01T18:25:28","modified_gmt":"2024-10-01T16:25:28","slug":"creation-de-la-zone-de-libre-echange-continentale-africaine-zlecaf-2","status":"publish","type":"tribune","link":"https:\/\/cabex.sn\/en\/tribune\/creation-de-la-zone-de-libre-echange-continentale-africaine-zlecaf-2\/","title":{"rendered":"The future of FinTech in the UEMOA region"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Following the adoption of the new uniform law on banking regulation, financial technology companies commonly referred to as \u00ab FinTech \u00bb are defined as firms delivering financial services and products designed and\/or distributed through innovative information and communication technologies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new uniform law on banking regulations adopted by the WAEMU Council of Ministers on 16 June 2023 introduces numerous modifications and innovations into the said regulations. These include the recognition of FinTech as being amongst the \u201cbanking institutions\u201d which are namely: credit institutions, payment institutions, electronic money institutions, bank holding companies, financial services companies and microfinance institutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new law thus bestows on them on an exclusive basis the right to carry out one or more banking operations such as the receipt of funds from the public, credit operations and payment services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But the other side of the coin, so to speak, is that they are no longer entitled, without prior approval or authorization, to act as FinTech, or create the appearance of such status, in particular by using the term \u201cFinTech\u201d in their commercial name, advertising or, in any way whatsoever, in their activity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In other words, companies who wish to offer ICT-based financial services or products within the WAEMU space would need double approval, which is no mean feat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is why article 32 of the new law leaves it to the BCEAO to determine the specific regulations applicable to FinTech.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All in all, the future of FinTech is in the hands of the BCEAO. One thing\u2019s for sure; nothing will ever be the same again for FinTechs.<\/span><\/p>","protected":false},"featured_media":8844,"template":"","class_list":["post-7988","tribune","type-tribune","status-publish","has-post-thumbnail","hentry","kng-has-post-thumbnail"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L\u2019avenir des FinTech dans l\u2019espace UEMOA - Cabex et Global Audit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cabex.sn\/en\/tribune\/creation-de-la-zone-de-libre-echange-continentale-africaine-zlecaf-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019avenir des FinTech dans l\u2019espace UEMOA - Cabex et Global Audit\" \/>\n<meta property=\"og:description\" content=\"Suite \u00e0 l\u2019adoption de la nouvelle loi uniforme portant r\u00e9glementation bancaire, les entreprises de technologie financi\u00e8re commun\u00e9ment appel\u00e9es \u00ab FinTech \u00bb sont des entreprises qui offrent des services ou produits financiers con\u00e7us et\/ou distribu\u00e9s selon des proc\u00e9d\u00e9s fond\u00e9s sur les technologies innovantes de l\u2019information et de la communication. 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