Identité numérique : pourquoi l’absence d’un eKYC régional coûte cher
eKYC, or electronic Know Your Customer, has become a central instrument for the digital economy in Senegal. By enabling secure and automated verification of customer identities, it conditions access to financial services, facilitates account opening, accelerates transactions, and reduces fraud. This function goes beyond simple regulatory control and is gradually transforming into a strategic economic asset, capable of streamlining transactions and strengthening trust in digital services.
The lack of a shared eKYC system in West Africa generates additional costs for businesses and financial institutions. Each institution must develop its own verification processes, often redundant and expensive, which hinders the expansion of fintechs and reduces operational efficiency. This situation creates regional fragmentation that limits the portability of digital identities and impedes cross-border financial integration.
For fintechs and banks, eKYC is also a lever for regional expansion. Having a recognized digital identity allows them to open new markets without multiplying registration, compliance, and verification processes. This represents a strategic advantage for attracting international investors and partners, while securing transactions in a rapidly changing economic environment.
Data sovereignty is a central issue. The collection, management, and sharing of digital identity require clear and robust regulatory frameworks to protect citizens while enabling businesses to leverage this information. Digital identity thus becomes both an economic and political tool, linking financial inclusion, security, and regional competitiveness.
In this context, the development of shared infrastructure and common standards for eKYC appears to be an imperative to support digital growth, reduce costs and strengthen the efficiency of financial services in Senegal and throughout West Africa.
Commentaires (2)
Participer à la Discussion
Règles de la communauté :
💡 Astuce : Utilisez des emojis depuis votre téléphone ou le module emoji ci-dessous. Cliquez sur GIF pour ajouter un GIF animé. Collez un lien X/Twitter, TikTok ou Instagram pour l'afficher automatiquement.