L’entrée des pratiques anticoncurrentielles sur le marché émergent des services de Mobile Money (notice n° 962942)
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| fixed length control field | 04139cam a2200469 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250125070722.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Onchi Ngongang, Vanelle Dimitri |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | L’entrée des pratiques anticoncurrentielles sur le marché émergent des services de Mobile Money |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2022.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 79 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | Par ses spécificités, la monnaie mobile est en passe de permettre une forte inclusion financière dans les pays faiblement bancarisés ou longtemps laissés à la marge des services financiers. Un marché de services s’est construit tout autour et, désormais, les banques, les microfinances sont en concurrence avec les Opérateurs de Télécommunication Mobile (OTM), détenteurs de l’Unstructured Supplementary Service Data (USSD) nécessaire non seulement à la réalisation des opérations financières de monnaie mobile, mais également à la liaison avec des clients potentiels. Ce rôle relativement récent des OTM peut susciter des préoccupations concurrentielles, notamment lorsqu’un OTM, en position dominante sur le marché des télécommunications, est également présent ou est un acteur actif sur le marché des services de monnaie mobile. La tentation est en effet grande qu’il utilise sa position dominante pour évincer tout concurrent sur le marché aval des services de Mobile Money. Cette étude prospective se propose d’attirer l’attention des autorités de concurrence sur le sujet, et de suggérer, sur la base des outils du droit de la concurrence, des pistes susceptibles de neutraliser ces préoccupations concurrentielles avant toute constitution d’oligopole. |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | The particular characteristics of mobile money mean that it is on the way to changing the landscape of financial inclusion for unbanked countries and underserved people. Financial markets are born from mobile money and now, banks and other financial institutions must challenge and compete with mobile network operators (MNO), owners of the Unstructured Supplementary Service Data (USSD) which is required for providing mobile financial services by enabling service operators to access potential clients and send responses to clients confirming transactions. This relatively new role for MNOs can generate competition issues, particularly in the case where one MNO takes up a dominant position on the telecommunications market (voice and SMS services) and also plays an active role in providing mobile money services or mobile financial services. There is a reasonable fear that this operator will use its dominant position on the first market to foreclose competitors on the emerging market of mobile money services by denying non-MNO competitors access to USSD or by limiting effective access to USSD. This article aims to draw regulators’ attention to these competition questions and proposes, on the basis of competitive law theories, some solutions to appropriately tackle or overcome these issues before any possible formation of an oligopoly. |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | établissement bancaire |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | pratiques anticoncurrentielles |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | monnaie électronique |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | inclusion bancaire |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | services financiers mobiles |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | concurrence |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | opérateurs de télécommunication mobile |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | personnes non bancarisées |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | USSD |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | argent mobile |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | oligopole |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | abus de position dominante |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | electronic money |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | bank |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | competition |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | unbanked people |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | mobile financial services |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | competitors |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | USSD |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | oligopoly |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | mobile money services |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | mobile money |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | abuse of dominant position |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | mobile network operators |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | financial inclusion |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Revue internationale de droit économique | t. XXXV | 1 | 2022-02-01 | p. 5-22 | 1010-8831 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/revue-internationale-de-droit-economique-2021-1-page-5?lang=fr&redirect-ssocas=7080">https://shs.cairn.info/revue-internationale-de-droit-economique-2021-1-page-5?lang=fr&redirect-ssocas=7080</a> |
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