Account and ensuring that be able to send even those be able to send in the most can open and access their bank account with just a few clicks. However, be able to send is the question of regulation and connectivity in order to meet such a challenge. A legal framework still not defined? If mobile banking has exploded in Africa, there is still a question of a legal being able to send that is not yet well defined. Indeed, even if the IUT specifies that there are two models of mobile banking according to whether the transactions are directly controlled by the commercial banks in this case one evokes the term “Bank-Based” (BB) which is the regulatory framework in Nigeria for example. In the event that transactions are not directly controlled by commercial banks, we speak of Non-Bank-Based (NBB).
This is the case, for example, in Saint Kitts and Nevis Email List like Kenya. The regulatory framework has yet to be harmonized because there are still some pain points as it was possible to see with the case of Orange Money in Senegal. In this specific case, the BCEAO highlighted the fact that the fund transfer service outside the With a view to promoting innovation, but also financial inclusion in Africa, organizations such as central banks must define a legal and regulatory framework that can facilitate the use of this new type of banking service in complete security. while enjoying all the advantages of traditional banking. In the end, it is clear that the digital approach must be encouraged in order to promote the financial inclusion of African populations. However, it is important to stress that the various stakeholders
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must find a balance regarding the regulatory framework so that it is the most secure and conducive for all types of organizations wishing to engage in this type of service. Note that the choice of mobile-banking models lies in the type of transactions that you want to favor. As Amin Youssouf, founder of Afrobytes says, “In Africa as in the West, the legislator is lagging behind on innovation. He is chasing technology. The framework is perhaps less structured in Africa than in Europe, but not more accommodating. ” Finally, it would be interesting to look at improving collaboration between telephone operators and banks which are the major players in mobile banking and which would benefit from harmonizing their efforts in order to provide more innovations to African markets.
In the digital age, competition between companies is increasingly fierce. In addition to selling a product or a service to a customer, companies play the loyalty card . The latter cannot be possible without the company offering a high-performance and personalized customer experience. Indeed, planning to maintain a client over the long term is a guarantee of profitability for an organization. And that any customer you lose becomes a potential customer for your competition. In this post, discover digital tactics that will allow you to be as close as possible to your consumers.Have a personalized approach
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Digitalization has led companies to enter an era where personalization has become a must. The customer must feel unique, which is why we hear more and more about customer-centric strategy in English. The customer-centric approach is not just about providing excellent customer service. That is, to offer a great experience from the awareness phase (awareness), and throughout the buying process and even after the purchase. It’s a strategy based on putting your customer first, thus positioning them at the heart of your business. A study shared by Deloitte & Touche found that customer-centric companies, than those that did not focus on the customer.
Being customer-centric can go through several stages. However, we note that customer-centric companies: focus on the needs of the customer and develop products and services around this; build relationships designed to maximize the product and service experience; analyze, plan and implement a customer strategy that focuses on acquiring and retaining a profitable and loyal customer Take advantage of inbound marketing It is undoubtedly one of the marketing tactics which gives the most opportunities to be close to the customer and to deliver a tailor-made service. If inbound marketing allows you to have more prospects and customers, the most interesting thing about this digital tactic is that they come from themselves