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 Cell Telephony Market Observatory signifies that 21 million individuals use this implies of cost within the nation. The worth of transactions reached $20 billion final 12 months.
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 forex. « 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 persons are particularly those that use the dematerialized system. Mike Kawel, an worker in an organization, hardly makes use of money anymore. “ The arrival 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 worry 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 may go and gather it on a road 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 lots of 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 frequented you might be, the extra you earn. However we observe that the fee is greater on a switch of small quantities than when it’s a massive sum. »
Well-liked with younger individuals
This digital revolution impacts all segments of the inhabitants of Lubumbashi as a result of it gives rather more ease in transactions. “ Most younger individuals, in a short time, they’re at college and so they have charges to pay and wishes to fulfill, 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 a bit of additional away and to ship cash, we use this implies of cost. And this forex has confirmed itself in commerce when it comes to mobility and suppleness. »
At present, some banks are additionally adapting their companies by providing, for instance, digital wallets.
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