{"id":10465507,"date":"2023-11-09T14:07:45","date_gmt":"2023-11-09T13:07:45","guid":{"rendered":"https:\/\/kapitalis.com\/tunisie\/?p=10465507"},"modified":"2023-11-09T14:07:46","modified_gmt":"2023-11-09T13:07:46","slug":"les-fintechs-en-tunisie-entre-promesses-et-difficultes-au-quotidien","status":"publish","type":"post","link":"https:\/\/kapitalis.com\/tunisie\/2023\/11\/09\/les-fintechs-en-tunisie-entre-promesses-et-difficultes-au-quotidien\/","title":{"rendered":"Les fintechs en Tunisie entre promesses et difficult\u00e9s au quotidien"},"content":{"rendered":"\n

La 1\u00e8re \u00e9dition du barom\u00e8tre des fintech tunisiennes fait un \u00e9tat des lieux sur plusieurs composantes de l\u2019\u00e9cosyst\u00e8me fintech en Tunisie : l\u2019acc\u00e8s aux march\u00e9s et aux talents, les infrastructures num\u00e9riques et financi\u00e8res, la r\u00e9glementation et l\u2019administration.<\/strong><\/p>\n\n\n\n\n\n\n\n

Le barom\u00e8tre est r\u00e9alis\u00e9 par Tunisian Startups en partenariat avec Matine Consulting et le soutien de la GIZ.<\/p>\n\n\n\n

La Tunisie semble disposer d\u2019atouts non n\u00e9gligeables pour le d\u00e9veloppement de fintech : positionnement g\u00e9ostrat\u00e9gique, richesse des comp\u00e9tences, multiplicit\u00e9 des acteurs de l\u2019incubation et de l\u2019investissement, cadre r\u00e9glementaire \u00ab\u00e9volutif\u00bb<\/em> (Start-up Act en 2018 avec une 2e mouture en cours de pr\u00e9paration, Sandbox r\u00e9glementaire en 2020)… Cependant, sur le terrain, le quotidien de la majorit\u00e9 des fintechs tunisiennes demeure jonch\u00e9 de difficult\u00e9s.<\/p>\n\n\n\n

Multiples d\u00e9fis pour un \u00e9cosyst\u00e8me en gestation<\/h2>\n\n\n\n

Depuis l\u2019entr\u00e9e en vigueur du Startup Act en 2018, le rythme de cr\u00e9ation des fintechs s\u2019\u00e9l\u00e8ve doucement : \u00e0 fin 2022, on recense moins de 100 fintechs sur le territoire. Ces derni\u00e8res op\u00e8rent principalement en mod\u00e8le B2B, majoritairement dans des secteurs de pointe tels que les paiements, le financement \/ investissement et les services aux entreprises. Cette tendance s\u2019est poursuivie dans d\u2019autres secteurs notamment dans l\u2019Insurtech, la Regtech ou encore l\u2019IA & Data Science.<\/p>\n\n\n\n

Peu de fintechs semblent pouvoir lever des fonds principalement \u00e0 cause d\u2019un frein \u00e0 l\u2019acc\u00e8s au march\u00e9 et du manque d\u2019\u00e9volution de la r\u00e9glementation.<\/p>\n\n\n\n

La majorit\u00e9 des fintechs op\u00e8re sur le march\u00e9 local uniquement. Seules 16 d\u2019entre elles ont r\u00e9ussi \u00e0 faire des perc\u00e9es au niveau international \u00e0 fin 2022.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n\n

Le barom\u00e8tre fintech remet ainsi en perspectives les diff\u00e9rents axes strat\u00e9giques qui permettent de proposer un terreau plus fertile aux startups :<\/p>\n\n\n\n

\u2022 Acc<\/strong>\u00e8s aux march\u00e9s<\/strong> : 74% des startups affirment que l\u2019attrait de leurs solutions aupr\u00e8s des consommateurs finaux est en am\u00e9lioration; 42% pensent que les institutions financi\u00e8res se montrent de plus en plus coop\u00e9ratives; alors que 53% d\u2019entre elles ne per\u00e7oivent pas d\u2019\u00e9volution.<\/p>\n\n\n\n

\u2022 Acc<\/strong>\u00e8s au financement<\/strong> : les fintechs trouvent une meilleure r\u00e9ceptivit\u00e9 aupr\u00e8s des fonds d\u2019investissement et des business angels qui comprennent mieux leurs profils de risques. Cependant les taux de rentabilit\u00e9 interne exig\u00e9s par les fonds sont trop \u00e9lev\u00e9s pour les fintechs.<\/p>\n\n\n\n

\u2022 R<\/strong>\u00e9glementation <\/strong>: 37% per\u00e7oivent le cadre r\u00e9glementaire comme encourageant alors que 53% d\u2019entre elles le trouvent d\u00e9courageant. Les 2 r\u00e9glementations qui posent le plus d\u2019obstacles sont la loi de change et la loi des \u00e9tablissements de paiement.<\/p>\n\n\n\n

L\u2019administration et les r\u00e9gulateurs semblent insuffisamment inform\u00e9s des d\u00e9fis et besoins sp\u00e9cifiques des fintechs.<\/p>\n\n\n\n

L\u2019absence de la Sandbox depuis 2 ans a engendr\u00e9 plus de foss\u00e9 entre r\u00e9gulateur et startups.<\/p>\n\n\n\n

\u2022 Structure d\u2019accompagnement<\/strong> : l\u2019apport des incubateurs et acc\u00e9l\u00e9rateurs est jug\u00e9 peu efficace par les fintechs au regard de leurs besoins sp\u00e9cifiques.<\/p>\n\n\n\n

\u2022 Capital humain<\/strong> : 63% estiment avoir la capacit\u00e9 \u00e0 attirer les talents dont elles ont besoin mais 37% pensent que ces talents sont peu disponibles en Tunisie.<\/p>\n\n\n\n

Les m\u00e9tiers les plus recherch\u00e9s concernent la cybers\u00e9curit\u00e9, l\u2019intelligence artificielle et le Big Data.<\/p>\n\n\n\n

Quel avenir pour les fintechs en Tunisie ?<\/h2>\n\n\n\n

Les fintechs appellent \u00e0 l\u2019adaptation du cadre r\u00e9glementaire qui inciterait \u00e0 plus de collaboration entre les startups, les institutions financi\u00e8res et le r\u00e9gulateur, et \u00e0 la mise en place de normes d\u2019interop\u00e9rabilit\u00e9 et d\u2019Open Banking – API standardis\u00e9s et s\u00e9curis\u00e9s.<\/p>\n\n\n\n

L\u2019\u00e9volution de ce cadre r\u00e9glementaire pourrait grandement contribuer \u00e0 faciliter ces collaborations et \u00e0 promouvoir un \u00e9cosyst\u00e8me financier plus dynamique et inclus.<\/p>\n\n\n\n

Depuis 2 ans, la r\u00e9ouverture de la \u00absandbox\u00bb<\/em> se fait toujours attendre, privant les fintechs d\u2019un environnement r\u00e9glement\u00e9 pour tester leurs produits et services, et simplifier les proc\u00e9dures d\u2019autorisation et de conformit\u00e9.<\/p>\n\n\n\n

Face aux difficult\u00e9s d\u2019acc\u00e8s aux march\u00e9s publics, les startups appellent \u00e0 un changement de paradigme dans les proc\u00e9dures, notamment via leurs simplifications et l\u2019activation de m\u00e9canismes concrets \u00abd\u2019achats publics innovants\u00bb<\/em>.<\/p>\n\n\n\n

Les fintechs r\u00e9pondant aux besoins du e-commerce semblent pouvoir tirer plus facilement leur \u00e9pingle du jeu, \u00e9tant donn\u00e9 l\u2019\u00e9volution croissante de l\u2019utilisation du e-commerce en Tunisie et en Afrique. Ce secteur doit toutefois \u00eatre soutenu et consolid\u00e9.<\/p>\n\n\n\n

La mobilisation continue de tout l\u2019\u00e9cosyst\u00e8me, entrepreneurs, pouvoirs publics, monde acad\u00e9mique, r\u00e9gulateur, financement, est donc indispensable.<\/p>\n\n\n\n

Communiqu\u00e9.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

La 1\u00e8re \u00e9dition du barom\u00e8tre des fintech tunisiennes fait un \u00e9tat des lieux sur plusieurs composantes de l\u2019\u00e9cosyst\u00e8me fintech en Tunisie. <\/p>\n","protected":false},"author":8,"featured_media":10465559,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[995,2433],"tags":[112092,112088,76404,112091,112090,93892,112089],"class_list":["post-10465507","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-tunisie","tag-data-science","tag-fintech-tunisiennes","tag-ia","tag-insurtech","tag-matine-consulting","tag-regtech","tag-tunisian-startups"],"yoast_head":"\nLes fintechs en Tunisie entre promesses et difficult\u00e9s au quotidien - Kapitalis<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kapitalis.com\/tunisie\/2023\/11\/09\/les-fintechs-en-tunisie-entre-promesses-et-difficultes-au-quotidien\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les fintechs en Tunisie entre promesses et difficult\u00e9s au quotidien - 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