2024-05-17 09:45:15
Within the Democratic Republic of Congo, digital cash is gaining floor and transactions are more and more dematerialized. In its report for the final quarter of 2023 printed in March, the Cellular Telephony Market Observatory signifies that 21 million individuals use this implies of fee within the nation. The worth of transactions reached $20 billion final yr.
On Boulevard Laurent Kabila, round ten individuals dressed within the colours of a telecommunications firm are every seated behind a small desk. Just a few tickets in hand, they provide transport companies digital foreign money. « They ship me cash, I come and make the withdrawal from an agent, then I could make my purchases. It is simpler “, explains Céline, a shopkeeper.
Younger individuals are particularly those that use the dematerialized system. Mike Kawel, an worker in an organization, hardly makes use of money anymore. “ The appearance of digital cash is a revolutionhe assures. I take advantage of it to obtain my wage, secondly to make on-line purchases, additionally ship cash to my family members. I do not spend cash like I used to. »
Flexibility of withdrawals
In RDC, banking infrastructure is inadequate and the place banks are operational, some clients concern the cumbersome procedures. “ With digital cashqWhether or not it is the weekend, whether or not it is Sunday, we’ll ship you a cash switch, you possibly can go and accumulate it on a avenue nooksays Rita Mukobo. With the financial institution, it is much less versatile, it is open from this time to that point. We even have connection issues. »
In Lubumbashi, dozens of small institutions and a whole lot of people supply these companies. The principle institutions created by telecommunications firms pay them a fee of as much as 2.8% on transactions, explains Sylvestre Ilunga, distributor agent: “ The achieve relies on the capital that one can have. The extra site visitors you may have, the extra you earn. However we be aware that the fee is larger on a switch of small quantities than when it’s a massive sum. »
Fashionable with younger individuals
This digital revolution impacts all segments of the inhabitants of Lubumbashi as a result of it provides a lot higher ease in transactions. “ Most younger individuals, in a short time, they’re at college they usually have charges to pay and wishes to satisfy, it’s simpler for them to do it by cellular cashestimates Michel Mbengya, graduate in economics. We’re in a area the place in a number of households, males are pressured to go to work just a little additional away and to ship cash, we use this implies of fee. And this foreign money has confirmed itself in commerce by way of mobility and suppleness. »
At present, some banks are additionally adapting their companies by providing, for instance, digital wallets.
1715981852
#Lubumbashi #digital #cash #more and more #widespread