Interopérabilité, fiscalité, protection : Les piliers d’un numérique financier responsable
The meeting held on October 29, 2025, in Dakar, by the Observatory for the Quality of Financial Services (OQSF) marked a decisive step in structuring the digital payments sector. By bringing together regulators, fintechs, banks, operators, and consumer associations, the event highlighted a shared commitment to building an ecosystem based on trust, transparency, and co-responsibility. This initiative, which concludes a series of regional consultations on user protection, confirms the growing role of the OQSF as a platform for dialogue between public and private stakeholders.
The Executive Secretary of the OQSF, Papa Amadou Diagne, emphasized that trust is the foundation of financial inclusion and that it cannot thrive without a clear and equitable regulatory framework. The CEO of Wave, El Hadj Malick Guèye, for his part, welcomed the creation of the Senegalese Association of Electronic Payment and Electronic Money Providers (Asepame), which he considers an essential forum for ensuring better coordination within the sector.
Discussions also focused on digital taxation, platform interoperability, and user data protection. Participants agreed on the need for a balance between innovation and accessibility, while ensuring a fair contribution to public finances. By strengthening trust and cooperation among all stakeholders, Senegal aims to consolidate a sustainable financial inclusion model rooted in collective responsibility and economic transparency.
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