Les effets DU systeme « mobile money » sur LA croissance economique: LE cas des pays DE LA cemac

Abstract This paper studies the effect of the « Mobile Money » on the CEMAC economic growth. One of the poorest regions in Africa with the real growth rate of 1,6% registered those five years, and which is generally negative. the theoretical view, we have used two models which are: The quantitative theory of money and the endogenous growth theory to show that the use of the « Mobile Money » has a positive impact on the economic growth. The econometric analysis carried out using a panel model made it possible to show that the use of the « Mobile Money » is positively and significantly correlated with the economic growth rate of the CEMAC countries. Thus, an increase of 10% of the use ratio of the « Mobile Money » could lead to an increase in the economic growth rate of 1,87 point of percentage. From this result rise some economic policy recommendations, including the need for States to facilitate access to mobile phones by poor rural populations by investing more in the field and by granting tax incentives to operators in the sector.