{"id":1095,"date":"2019-12-24T07:46:13","date_gmt":"2019-12-24T07:46:13","guid":{"rendered":"http:\/\/teknolojia-news.com\/?p=1095"},"modified":"2019-12-24T07:46:13","modified_gmt":"2019-12-24T07:46:13","slug":"paga-paylock-startups-africaines-export","status":"publish","type":"post","link":"https:\/\/test.teknolojia-news.com\/index.php\/2019\/12\/24\/paga-paylock-startups-africaines-export\/","title":{"rendered":"Paga, PayLock : quand les startups africaines font le pari de l\u2019export"},"content":{"rendered":"\n<p>[Article issu de la Newsletter] En Afrique, de plus en plus de startups ne se contentent plus de prosp\u00e9rer dans leur march\u00e9 national, ni m\u00eame d\u2019investir les pays voisins, mais voient plus loin, hors du continent. Le nig\u00e9rian Paga veut vendre ses services de mobile money au Mexique et aux Philippines, l\u2019\u00e9gyptien Swvl propose ses bus au Pakistan. Et, plus r\u00e9cemment, la startup ghan\u00e9enne PayLock, qui garantit aux investisseurs des fraudes et des d\u00e9fauts de paiement, <strong><a href=\"https:\/\/disrupt-africa.com\/2019\/12\/ghanaian-digital-escrow-platform-paylock-makes-waves-in-africa-south-america\/\">a choisi le Chili comme second march\u00e9<\/a><\/strong>, apr\u00e8s un succ\u00e8s dans son pays natal. Une strat\u00e9gie grandissante, largement due \u00e0 la petite taille des march\u00e9s nationaux sur le continent, estime Tayo Oviosu, fondateur de Paga.<\/p>\n\n\n\n<p>Mais cette strat\u00e9gie est risqu\u00e9e, comme le montre l\u2019exemple de M-Pesa, qui n\u2019a jamais r\u00e9ussi \u00e0 s\u2019imposer hors de l\u2019Afrique de l\u2019Est, malgr\u00e9 les tentatives de sa maison-m\u00e8re britannique, Vodafone, d\u2019entrer sur les march\u00e9 roumain, albanais et indien.<\/p>\n\n\n\n<p>\u00ab La plupart de ces envies d\u2019expansion semblent \u00eatre motiv\u00e9s par les investisseurs et non par le march\u00e9 et c&#8217;est dangereux, alerte Victor Asemota, du fonds d\u2019investissement Alta Global Ventures, situ\u00e9 aux Etats-Unis, \u00e0\u00a0<strong><a href=\"https:\/\/qz.com\/africa\/1732046\/swvl-lidya-paga-expand-from-africa-to-europe-asia-and-americas\/\">Quartz Africa<\/a><\/strong>. A moins que l&#8217;investisseur n&#8217;ait d&#8217;autres entreprises compl\u00e9mentaires sur ces march\u00e9s ou qu&#8217;il n&#8217;ait mis en place un syst\u00e8me de soutien dans ces r\u00e9gions, il est g\u00e9n\u00e9ralement difficile d&#8217;y p\u00e9n\u00e9trer. \u00bb<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[Article issu de la Newsletter] En Afrique, de plus en plus de startups ne se contentent plus de prosp\u00e9rer dans leur march\u00e9 national, ni m\u00eame d\u2019investir les pays voisins, mais voient plus loin, hors du continent. Le nig\u00e9rian Paga veut vendre ses services de mobile money au Mexique et aux Philippines, l\u2019\u00e9gyptien Swvl propose ses [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1097,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,13],"tags":[174,272,330],"_links":{"self":[{"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/posts\/1095"}],"collection":[{"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/comments?post=1095"}],"version-history":[{"count":0,"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/posts\/1095\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/media?parent=1095"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/categories?post=1095"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/test.teknolojia-news.com\/index.php\/wp-json\/wp\/v2\/tags?post=1095"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}