Digital financial services are facing a number of constraints, while they are currently booming in Senegal.

Access to connectivity, lack of security and the unavailability of cash are among others obstacles to the development of digital financial services. Indeed, electronic currency issuers are more and more numerous in recent years in Senegal. The executive secretary of the Financial Services Quality Observatory (Oqsr) Habib Ndao, in his statement at an exchange and sharing workshop on “the user experience of mobile payments” on Thursday 27 April 2023, estimated “the first difficulty is access to connectivity

The second difficulty is the security problem. This varies from one operator to another. It is not the security of the installations, but the increase in scams and fraudsters who, despite technological changes, are also doing everything they can to adapt to these changes. La troisième risque que nous avons identifié à partir de l' enquête que nous avons menée pour le compte de la World Bank