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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
By :Mr. Boukary ZONGO
Director Of Opération and Electronic Banking Standards
GIM-UEMOA
PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
SHORT PROFILSHORT PROFILSHORT PROFILSHORT PROFIL
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Mr. Boukary ZONGO: boukary.zongo@gmail.com or boukary.zongo@gim-uemoa.org : +221 77 446 06 65 ou +221 77 377 80 43
Mr. Boukary ZONGO is currently the Director Of Operations and Electronic Banking Standards of GIM-UEMOA, the regional regulator body and guardianship of electronic banking for West Africa Economic and Monetary Union federating 8 countries, 104 banks and Central Bank. Previously, he has worked a long term as an electronic bank expert in private banks and with Central Bank to define regional rules and standards before the creation of GIM-UEMOA in 2003. He has also worked before in a biggest Research Center and Private society in Luxembourg, Europe. ZONGO trains students in master 1 and master 2 electronic banking. He animate many West Africa regional seminars federating 50 to 300 people coming from different countries. ZONGO has degrees from Ouagadougou University BURKINA FASO, Henri Poincaré University, Nancy 2 University FRANCE.
Mr. Boukary ZONGO is currently the Director Of Operations and Electronic Banking Standards of GIM-UEMOA, the regional regulator body and guardianship of electronic banking for West Africa Economic and Monetary Union federating 8 countries, 104 banks and Central Bank. Previously, he has worked a long term as an electronic bank expert in private banks and with Central Bank to define regional rules and standards before the creation of GIM-UEMOA in 2003. He has also worked before in a biggest Research Center and Private society in Luxembourg, Europe. ZONGO trains students in master 1 and master 2 electronic banking. He animate many West Africa regional seminars federating 50 to 300 people coming from different countries. ZONGO has degrees from Ouagadougou University BURKINA FASO, Henri Poincaré University, Nancy 2 University FRANCE.
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
UEMOA IN BRIEF
GIM-UEMOA IN BRIEF
BACKGROUND AND OBJECTIVES
GIM-MOBILE CHARACTERISTICS
DEPLOYMENT AND PROMOTION
CONCLUSION
CONTENTS
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
UEMOA IN BRIEFUEMOA IN BRIEFUEMOA IN BRIEFUEMOA IN BRIEFUEMOA, THE WEST AFRICAN ECONOMIC AND MONETARY UNION IS AN EXPERIENCE WHICH BASIC FEATURES ARE :
the pooling of the foreign exchange reserves of the member countries
the adoption by the 8 countries of a CFA franc, a common currency issued by a single central bank
the application of a uniform banking and financial legislation throughout the Union.
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
BANKS AND FINANCIAL INTITUTIONS
UEMOA IN BRIEFUEMOA IN BRIEFUEMOA IN BRIEFUEMOA IN BRIEF
Source : « Banking Committee Report 2010 »
ORDER NUMBER OF INHABITANTS
NUMBER OF INSTITUTIONSNOMBER OF
AGENCIESNUMBER OF ACCOUNTSBANKS FINANCIAL
INSTITUTIONS TOTAL
1 BENIN
9 100 000 13 0 13 158 576 294
2 BURKINA FASO
15 000 000 12 5 17 188 671 131
3 COTE D'IVOIRE
20 800 000 21 1 22 499
1 768 868
4 GUINEE BISSAU
1 400 000 4 0 4 17
41 583
5 MALI
12 400 000 13 3 16 291 822 924
6 NIGER
14 300 000 10 1 11 78 232 491
7 SENEGAL
11 700 000 19 2 21 305 853 859
8 TOGO
5 700 000 12 2 14 157 583 543
TOTAL 90 400 000
104 14 118 1 693 5 550 693
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
UEMOA HAVE THREE MAJOR SYSTEMS REFORMS AT THE REGIONAL LEVEL : A real time gross settlement system (RTGS) for large value payments called STAR-UEMOA.An interbank electronic clearing system called SICA-UEMOAAn interbank card/ mobile-based payment system managed by GIM-UEMOA
The real time gross settlement system (STAR-UEMOA) and the interbank electronic clearing system (SICA-UEMOA) are directly managed by the Central Bank BCEAO.
GIM-UEMOA is in charge of the interbank card/ mobile-based payment system.
UEMOA PAYMENT SYSTEMS UEMOA PAYMENT SYSTEMS REFORMREFORM
UEMOA PAYMENT SYSTEMS UEMOA PAYMENT SYSTEMS REFORMREFORM
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
INTERBANK SERVICESGIM ACQUIRER
GIM ISSUER
ATM
CARDHOLDER
POS
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
GIM IN BRIEFGIM IN BRIEFGIM IN BRIEFGIM IN BRIEF
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
TRANSACTIONS FROM 2007 TO 2011TRANSACTIONS FROM 2007 TO 2011
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
GIM-UEMOA : EMV and
MAGSTRIPE
GIM-UEMOA : EMV and
MAGSTRIPE
MASTERCARD : EMV and
MAGSTRIPE
MASTERCARD : EMV and
MAGSTRIPE
VISA : EMV and MAGSTRIPE
VISA : EMV and MAGSTRIPEEMV
PCI-DSS L2
SECURE ENVIRONMENTSECURE ENVIRONMENT
12PCI-DSS Level 1 certification will be completed in 2012.
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
PROSPECTSPROSPECTS
UEMOA countries and
others countries
Banks, Financial Institutions,Postal Facility, Microfinance Institution, Ectronic Money Institution , etc..
CFA and foreign currency
French, English, Portuguese and Local Langages
ATMPOS
InternetMobile
Cards (debit, prepaid, credit/ GIM, VISA, MCI) Mobiles (bank accounts, prepaid)Fingerprints (bank accounts, prepaid)
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
•Observation: About 90 million people Banking rate < 10% of the workforce GIM-UEMOA members : 104 institutions Institution interconnected : 82 Electronic banking Park: 2,000,000 cards, 2,000 ATMs and a 1,000 POS. Detention card rate < 3%.
•The cost of cards, ATM / ATM and POS as well as the quality of telecom infrastructure in parts of the Union cause the GIM and its members to seek additional means of payment.
BACKGROUNDBACKGROUND
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
• Mobile telephony: Penetration rate : 60% Sustained growth over several years.
• The mobile phone therefore becomes an indispensable complement to the development of electronic banking channel (cards, ATM, POS, Internet, etc..)
• This is the purpose of GIM-MOBILE, a project initiated in January 2011. The official launch was made on December 8, 2011.
BACKGROUNDBACKGROUND
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
• Expanding the network GIM-UEMOA to rural areas as well as town in UEMOA Region.
• Offer available products and services for a larger number of people, including those with low income and unbanked.
• Significantly increase the rate of electronic payment means in UEMOA region.
• Contribute actively to the increase of banking.• Significantly expand the share of electronic
transactions in financial flows.
OBJECTIVESOBJECTIVES
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
Two documents define the conditions for issuing electronic money by UEMOA institutions :
• REGULATION No. 15/2002/CM/UEMOA ON PAYMENT SYSTEMS IN THE MEMBER STATES OF UEMOA REGION.
• 01/2006/SP OF EDUCATION July 31, 2006 REGARDING THE ISSUANCE OF ELECTRONIC MONEY AND ELECTRONIC MONEY INSTITUTIONS.
REGULATORY FRAMEWORKREGULATORY FRAMEWORKREGULATORY FRAMEWORKREGULATORY FRAMEWORK
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
In UEMOA region, can issue electronic money : Banks The electronic money institutions (EME): any financial institution, postal facility, service provider company approved as EME by the Central Bank BCEAO.
A telecom operator as any institution can issue electronic money in coordination with a bank or EME. In this case, the bank or EME shall guarantee all transactions made by the telecom operator and the project must be validated.
We note as well the development of mobile payment solutions in the UEMOA.
REGULATORY FRAMEWORKREGULATORY FRAMEWORKREGULATORY FRAMEWORKREGULATORY FRAMEWORK
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
Find below mobile banking/ payment solutions deploy in UEMOA Region :
BENIN : MTN MONEY, LA POSTE, MOOV. BURKINA : INOVA PAY, MONEY ZAP, FERLO COTE D’IVOIRE : ORANGE MONEY, CELPAID, eTRANZACT, SCASH, PME CASH GUINEE BISSAU : ORANGE MONEY MALI : ORANGE MONEY, FERLO NIGER : AIRTEL MONEY, ORANGE MONEY SENEGAL : ORANGE MONEY, YOBANTEL, FERLO TOGO : TOGOCEL, MOOV.
A dozen of local developed mobile solutions are being implemented.
MOBILE SOLUTION SAMPLESMOBILE SOLUTION SAMPLESMOBILE SOLUTION SAMPLESMOBILE SOLUTION SAMPLES
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
We note an important number of mobile solutions in UEMOA region. In addition, key market players (banks, mobile network operators, providers of payment services, etc.) are unable to agree on a viable business model for interoperable payment solutions, "hence a risk of fragmentation by the adoption of proprietary solutions.
The stated objective by the GIM-UEMOA is to increase transparency and security of payments, to stimulate competition and innovation within the single market: the eight UEMOA countries. An update of the regulatory framework will be done this years.
REGULATORY FRAMEWORKREGULATORY FRAMEWORKREGULATORY FRAMEWORKREGULATORY FRAMEWORK
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
This new regulatory framework will be accompanied by a technical foundation for accelerating a rapid and coherent development of mobile banking in the UEMOA. Capitalization will be performed on the world of banking cards with: A interbank component to interconnect the various mobile banking solutions in the region according to predefined rules and standards. Which allows customers and merchants to perform operations in an "open loop". Delegated component to pool and make mobile solutions accessible to all institution regardless of its size and financial capacity.
GIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEF
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
GIM-MOBILEGIM-MOBILE
…
BANKs
…
TELECOM OPERATORS
BANK1 BANKn
ORANGE
TIGO
MTN
MONEY TRANSFER COMPANY
…
WESTERN UNION
MONEY EXPRESS
MONEY GRAM
BANK ACCOUNTBANK ACCOUNT PREPAID MOBILEPREPAID MOBILE
DEBIT/CREDIT CARDDEBIT/CREDIT CARD
SWITCHSWITCH
PREPAID CARDPREPAID CARD
MOOVWARI
RIA
ACCEPTEORS AND MERCHANTS
…
BILLERS
TAXES AND CUSTOMS
ORGANIZATION
GIM CLEARING
CENTRAL BANK SETTLEMENT
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
GIM-MOBILE integrates on a single platform:
Interbank Mobile
Mobile banking,
Mobile payment,
SMS Banking,
Branchless/ Rural banking.
It offer various banking products and services on the mobile
phone. He brings a real answer to the problem of the proximity of
banking products and services and increasing the banking rate.
GIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEF
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
GIM-MOBILE is addressed both : banked and unbanked
population. Customer can access to bank account, credit card, a
virtual account pre-loaded or a combination thereof.
GIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEF
PREPAID ACCOUNTPREPAID ACCOUNT
BANK ACCOUNTBANK ACCOUNT
DEBIT / CREDIT CARDDEBIT / CREDIT CARD
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
GIM-CARDGIM-CARD GIM-MOBILEGIM-MOBILE
…BANK1 BANK2 BANKn
SMS, Base I, Base II
MDS, CIS, IPM
…BANK1 BANK2 BANKn
Legend : OnlineOffline
Cardholder
POS CardHolder
POSATM
ATMMobilecustomer Mobile merchant
Bills payment
Money Transfer Taxes and customs
Etc.
Version : 1.2
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
With the lack of quality of telecom infrastructure, GIM-MOBILE use differents types of connections:
GPRS, WIFI, Encrypted SMS, Clear SMS USSD
GIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEFGIM-MOBILE IN BRIEF
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TELECOM OPERATORTELECOM
OPERATOR
GIM-MOBILE
INSTITUTION
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
2011: Project initiation and Official Launch 2012: Pilot with different types of actors (banks, telecom operators, acceptors, money transfer company, etc.) 2012-2014: Developing the network of service points:
Using the network of banks, financials institutions, postal facility branches in UEMA Region Using the network of ATMs / ATM and POS WAEMU Recruitment of mobile and business correspondent (job creation)
DEPLOYMENT PLANDEPLOYMENT PLAN
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
• strategy:– Promoting services that interest people– Proceed a mesh of UEMOA 8 countries through:
• With the approval of mobile agents;• Recruitment of small traders trained to promote the service• The use of the network GIM-UEMOA (104 members including 13
banks in Mali and their business customers);• The use of automatic teller machines (ATM) operating 24h/24 and
7/7.– Promote the network– Branding & Merchandising service points– Securing the Network
• Service points at hand:– Geo-location of residential areas, attendance billers
subscribers, etc.
NETWORK DEVELOPMENTNETWORK DEVELOPMENT
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
REGIONAL: CENTRAL BANK BCEAO AND GIM-UEMOA Creating a dedicated structure: ok with the GIM-
UEMOA Defining an electronic payment rules: ok. Reform of systems and methods of payment:
technologies and innovations are changing very quickly. Need to adjust regulations on a regular basis.
Establishment of a technical platform: ok with the GIM-UEMOA
A framework for consultation and decision: OK with the regional conferences and national electronic banking committees.
PROMOTIING OF CROSS BORDER TRANSACTIONSPROMOTIING OF CROSS BORDER TRANSACTIONS
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
REGIONAL: CENTRAL BANK BCEAO AND GIM-UEMOA
• Improvements: greater involvement of states and telecoms
operators. Transactions limits control define for reducing
systemic risk but sometimes value inappropriate to the needs of the population.
Promotion initiated but insufficient Statutory instruments little known even lawyers.
PROMOTING CROSS BORDER TRANSACTIONSPROMOTING CROSS BORDER TRANSACTIONS
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
• NATIONAL: – STATES: PROMOTION POLICY OF ELECTRONIC
PAYMENT MEANS. EACH STATE CAN :• mandate domiciliation of salary in an account (banking,
prepaid, etc.). • mandate the payment by electronic payment means of
any amount above a threshold .• sensitize and educate the public.
All these provisions must be accompanied by an information policy, education and awareness.
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PROMOTING CROSS BORDER TRANSACTIONSPROMOTING CROSS BORDER TRANSACTIONS
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
• NATIONAL :– PUBLIC AND PRIVATE COMPANIES
• Public organization: customs, taxes, ministries, etc..
• Private organization : water, electricity, phone companies, others private structures
• Regional and international organization : thus, for example ASECNA through a collaboration with the GIM-UEMOA has made it mandatory from 30 november 2011, payments by electronic means rights and airport taxes.
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PROMOTING CROSS BORDER TRANSACTIONSPROMOTING CROSS BORDER TRANSACTIONS
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
BOOSTING MOBILE BANKING IN UEMOA REGION CAN BE DONE :
THE DEPLOYMENT OF INTERBANK AND OUTSOURCING MOBILE BANKING PLATEFORM,
THE DEVELOPMENT OF MOBILE BANK POINTS OF SERVICE ACCESSIBILITY,
PROMOTION OF MOBILE BANKING PRODUCTS AND SERVICES.
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HOW TO BOOST MOBILE BANKING IN UEMOAHOW TO BOOST MOBILE BANKING IN UEMOA
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
DEPLOYMENT OF INTERBANK AND OUTSOURCING PLATEFORM
o Interbank will allow interoperability between different mobile solutions.o Outsourcing is dedicated for institution with low income but a potential development . o Define rules, quality charter mandatory for the different mobile banking solution in UEMOA Region. o Customize the solution taking care of what people really need.
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HOW TO BOOST MOBILE BANKING IN UEMOAHOW TO BOOST MOBILE BANKING IN UEMOA
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
POINT OF SERVICE ACCESSIBILITYoMesh network from banks, financial
institutions and postal, telecom operators,o Recruitment of master partners, wholesalers,
retailers.o Adequacy of service quality, cost
of service for low-income population.o Usability of the product by customers, whatever
their level of educationo The customer service (availability of an access
point and support 24/24, 7/7)38
HOW TO BOOST MOBILE BANKING IN UEMOAHOW TO BOOST MOBILE BANKING IN UEMOA
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
PROMOTION AND AWARENESSEducational: use relay (schools, universities, etc.). In association with different regional schools ,integrate training modules on mobile banking (marketing, legal, computer, electronic banking, financial, etc.).Informational: organizing meetings, forum,
seminars, etc. Participate in strategic meetings in the region.
Advertising: advertising media and non media (television, radio, newspapers, posters, etc.)
HOW TO BOOST MOBILE BANKING IN UEMOAHOW TO BOOST MOBILE BANKING IN UEMOA
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
PROGRAM FUNDINGEDUCATION PROGRAMS. This is introduced mobile banking(IT,marketing,legal,accounting,etc.) in the educational system of schools and universities training modulesTRAINING PROGRAM. This is to train actors in the chain of mobile banking transactions (technicians, distributors, coordinators, etc.). CAMPAIGNS AND PROMOTION. The use of fiat money is rooted in the habits of the population. Changing habits and reverse can be done through campaigns.
CONTRIBUTION OF DEVELOPMENT PARTNERSCONTRIBUTION OF DEVELOPMENT PARTNERS
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
ACCOMPANYING MODERNIZATION PROGRAM
Support acceptors wishing to modernize their chain of acceptance of payment by electronic means of payment above the informal sector.
Support the development of technical infrastructure (electricity, phone, telecoms, etc.), especially in rural areas.
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CONTRIBUTION OF DEVELOPMENT PARTNERSCONTRIBUTION OF DEVELOPMENT PARTNERS
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
The risk control is a very important issue.
Control measures against money laundering and terrorist financing will be systematically integrated into the framework of this project.
Thus, regional cooperation with structures specialized in the fight against money laundering and terrorist financing is necessary. The GIM-UEMOA working within this framework with GIABA, Intergovernmental Action Group against Money Silver.
RISK CONTROL RISK CONTROL
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
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M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
• GIM-UEMOA promote Mobile Banking and Mobile Money for banked and unbanked people in UEMOA Region.
• We include in our strategy people with low income and rural areas taking care about the cost and identifing all services that real interest these people.
• UEMOA Region, with the high population numbers, lack of access to financial institutions and significant mobile penetration rates, is an ideal region for mobile banking and payments deployment. Providing an interoperable solution to the unbanked population will help the region continue to grow and evolve both economically and socially. 44
M. Boukary ZONGO. PROMOTING MOBILE BANKING AND MOBILE MONEY DEVELOPMENT IN UEMOA REGION
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