SenegalFin

Fintech de Senegal: Orange Money (65% del mercado, 6M+) y Wave ($200M levantados, transferencias sin coste) entraron simultáneamente, con el licenciamiento de la BCEAO favoreciendo a los socios bilaterales franceses

Declive de años antes del cierre final · Error fatal: Senegal fintech: Orange Money Senegal (65% market share through SONATEL) had 6M+ users. Wave (US-founded, Senegalese-marketed, $200M raised) had 3M+ users and disrupted with zero-fee transfers. BCEAO (West African monetary union) required EMI license. Wave's free transfer model eliminated the revenue model for traditional mobile money competitors. BCEAO regulatory framework favored French bilateral partners.