{"id":1240,"date":"2025-12-17T05:49:17","date_gmt":"2025-12-17T04:49:17","guid":{"rendered":"https:\/\/redaction.oxygene-benin.bj\/?p=1240"},"modified":"2026-01-09T17:40:01","modified_gmt":"2026-01-09T16:40:01","slug":"services-de-la-pi-spi-05-banques-deja-operationnelles-une-forte-adhesion-de-la-clientele","status":"publish","type":"post","link":"https:\/\/redaction.oxygene-benin.bj\/?p=1240","title":{"rendered":"Services de la PI-SPI: 05 banques d\u00e9j\u00e0 op\u00e9rationnelles, une forte adh\u00e9sion de la client\u00e8le"},"content":{"rendered":"

La derni\u00e8re rencontre trimestrielle de concertation entre le Directeur national de la Banque Centrale des \u00c9tats de l\u2019Afrique de l\u2019Ouest (BCEAO) et les Directeurs g\u00e9n\u00e9raux des \u00e9tablissements de cr\u00e9dit, au titre de l\u2019ann\u00e9e 2025, s\u2019est tenue le 12 d\u00e9cembre 2025 dans les locaux de l\u2019Agence principale de la BCEAO \u00e0 Cotonou. Au menu, plusieurs points ont \u00e9t\u00e9 scrut\u00e9s dont la Plateforme Interop\u00e9rable du Syst\u00e8me de Paiement Instantan\u00e9 (PI-SPI).<\/strong><\/em><\/p>\n

La r\u00e9union a permis aux participants de faire le point sur plusieurs dossiers majeurs, notamment l\u2019\u00e9volution r\u00e9cente de l\u2019environnement \u00e9conomique et financier, la conformit\u00e9 r\u00e9glementaire des comptes en devises, le rapatriement des recettes d\u2019exportation, ainsi que la participation du syst\u00e8me bancaire \u00e0 la Plateforme Interop\u00e9rable du Syst\u00e8me de Paiement Instantan\u00e9 (PI-SPI).<\/p>\n

En effet, selon le point fait par le Directeur National de la BCEAO, Emmanuel ASSILAMEHOO, et le pr\u00e9sident de l’APBEF-B\u00e9nin, Jean-Jacques GOLOU, la Plateforme Interop\u00e9rable du Syst\u00e8me de Paiement Instantan\u00e9 (PI-SPI) s\u2019impose progressivement comme un levier majeur de modernisation des paiements. Cette r\u00e9forme a d\u00e9j\u00e0 suscit\u00e9 un engouement au niveau des banques BOA, Coris Bank, Ecobank, Orabank et UBA qui ont d\u00e9j\u00e0 mis la plateforme en production. A fin novembre 2025, 6000 transactions ont \u00e9t\u00e9 faites via la plateforme depuis sa mise en service. A en croire M. Emmanuel ASSILAMEHOO, les Directeurs g\u00e9n\u00e9raux ont unanimement soulign\u00e9 le vif int\u00e9r\u00eat manifest\u00e9 par les clients pour les services offerts par la PI-SPI, qui facilite les paiements instantan\u00e9s, s\u00e9curis\u00e9s et interop\u00e9rables entre les diff\u00e9rentes institutions financi\u00e8res.<\/p>\n

Un cadre macro\u00e9conomique globalement favorable<\/strong>
\nAu plan macro\u00e9conomique, les \u00e9changes ont mis en \u00e9vidence la bonne tenue des principaux indicateurs au sein de l\u2019UEMOA et au B\u00e9nin. \u00c0 l\u2019\u00e9chelle communautaire, le taux de croissance du produit int\u00e9rieur brut est projet\u00e9 \u00e0 6,7 % en 2025, contre 6,2 % en 2024, tandis que l\u2019inflation devrait nettement reculer pour s\u2019\u00e9tablir \u00e0 0,2 %, apr\u00e8s 3,5 % un an plus t\u00f4t. Au B\u00e9nin, l\u2019activit\u00e9 \u00e9conomique poursuit sa dynamique avec une croissance attendue de 7,5 % en 2025, identique \u00e0 celle de 2024. Le taux d\u2019inflation resterait contenu \u00e0 1,3 %, contre 1,2 % l\u2019ann\u00e9e pr\u00e9c\u00e9dente. Toutefois, les participants ont soulign\u00e9 que les perspectives inflationnistes demeurent expos\u00e9es \u00e0 des risques haussiers li\u00e9s aux tensions g\u00e9opolitiques, aux fluctuations des prix mondiaux des produits alimentaires et \u00e9nerg\u00e9tiques, ainsi qu\u2019au contexte s\u00e9curitaire sous-r\u00e9gional. Aussi, a-t-on not\u00e9 la r\u00e9silience du secteur bancaire. L\u2019activit\u00e9 bancaire nationale continue d\u2019afficher une r\u00e9silience appr\u00e9ciable. Elle est caract\u00e9ris\u00e9e par une progression constante des emplois et des ressources, une capitalisation satisfaisante et un ratio de solvabilit\u00e9 conforme aux normes. Les autorit\u00e9s mon\u00e9taires ont n\u00e9anmoins invit\u00e9 les banques \u00e0 renforcer davantage la gestion de leur tr\u00e9sorerie propre.<\/p>\n

\"\"
Le Pdt Jean-Jacques GOLOU et le DN Emmanuel ASSILAMEHOO lors du point de presse.<\/strong><\/em><\/figcaption><\/figure>\n

La BCEAO \u00e0 l\u2019\u00e9coute des acteurs bancaires<\/strong>
\nLa r\u00e9union a servi de cadre d\u2019\u00e9changes directs entre la Banque centrale et les responsables des \u00e9tablissements de cr\u00e9dit, permettant de recueillir les pr\u00e9occupations sp\u00e9cifiques de la profession bancaire et d\u2019identifier les contraintes auxquelles font face les acteurs financiers au B\u00e9nin.<\/p>\n","protected":false},"excerpt":{"rendered":"

La derni\u00e8re rencontre trimestrielle de concertation entre le Directeur national de la Banque Centrale des<\/p>\n","protected":false},"author":2,"featured_media":1238,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[741,742,743,744,745],"class_list":["post-1240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-emmanuel-assilamehoo","tag-jean-jacques-golou","tag-pi-spi","tag-pi-spi-banques","tag-pi-spi-bceao"],"yoast_head":"\nServices de la PI-SPI: 05 banques d\u00e9j\u00e0 op\u00e9rationnelles, une forte adh\u00e9sion de la client\u00e8le - Oxyg\u00e8ne<\/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:\/\/redaction.oxygene-benin.bj\/?p=1240\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Services de la PI-SPI: 05 banques d\u00e9j\u00e0 op\u00e9rationnelles, une forte adh\u00e9sion de la client\u00e8le - 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