THE AI IMPLICATION ON THE FINANCIAL SECTOR REGULATION AND REGULATORS

Artificial intelligence (AI) is revolutionizing numerous industries, and the financial sector is no exception. Central banks, institutions of fundamental importance for the economic stability of a country, are increasingly looking to AI as a powerful tool to improve their activities and respond to the challenges of an ever-changing world. While artificial intelligence therefore represents a great opportunity for central banks, it is certainly essential to address its risks and develop an appropriate regulatory framework. This research therefore aims to explore how artificial intelligence is revolutionizing the way central banks operate. Through an in-depth analysis of current and future applications of AI, the benefits in terms of operational efficiency, improved economic forecasting and strengthening financial stability will be assessed. In addition, challenges related to AI implementation, such as data management, cybersecurity, and the impact on employment, will be discussed. &nbsp

INCIDENCE DES TRANFERTS FINANCIERS DE LA DIASPORA SUR L’INVESTISSEMENT GLOBAL AU MALI

The study that links migrants' capital transfers to investments remains a hot topic in Mali. These funds are necessary for the financial health of households by allowing them to cover their daily expenses. Citizens generally suggest that they exert a positive influence on the country's economic development. The theory of gains maintains that these resources partially mitigate the volatility of the recipient country's total income, ensure the stability of consumption, reduce pressure on national savings and increase investment. Our study is a framework for explaining global investment in accordance with the investment code. Thus, it is devoted to the diaspora, the State and individuals in order to analyze investments. Our analysis is of the econometric type inspired by the model of Patillo et al. (2002) on time series ranging from 1990-2019, or 30 years of observations. In this model, investment is explained by the financial flows of the diaspora, the exchange rate and the HDI. The results assign a positive and significant coefficient to the explanatory variables and confirm their contributions in the country's supply of foreign currency, thus appreciating the quality of life of citizens and the real effective exchange rate. The financial system must lower the costs of transfers so that these flows become a source of financing and serve as a guide to channel them towards productive investments in Mali. The model approved a directly and positive transfused influence of expatriate remittances on Mali's investment

GOUVERNANCE ET ESPERANCE DE VIE PRECOCE DES PME AU CŒUR DES PREOCCUPATIONS: CAS DU MALI

The globalization of the business world has been intensified by new information technologies. By providing all stakeholders with necessary and useful answers to the problems that arise, this technology has significantly changed behaviors and facilitated the rapid assessment of economic and commercial risks. Through its application, it has shaped global entrepreneurship in general and that of Mali in particular. SMEs must adapt to this new order in order not to disappear. The motivation that led us to choose this theme is not only in an exploratory and descriptive perspective, but also explanatory and decision-making assistance. It also aims to identify the causes of the problem of the short life expectancy of SMEs and to propose solutions to this issue. Our study led us to 200 SMEs in order to collect statistical data as well as information relating to their mode of operation and management. The results obtained have pinpointed a number of causes, the main ones being: insufficient funding, high corruption, cultural nepotism, and unfair competition, difficult and poorly adapted institutional environment

FACTEURS SOCIOCULTURELS, POLITIQUES ET ECONOMIQUES DEFAVORABLES A L’ENTREE DE LA FEMME DANS LA SPHERE POLITIQUE DANS LA COMMUNE D'ABOMEY-CALAVI

Le taux de participation des femmes aux sphères politiques locales de prise de décisions demeure faible dans la communauté africaine. La présente étude vise à recenser et analyser les déterminants de la participation politique de la femme dans la commune d'Abomey-Calavi au Bénin. L’approche méthodologique adoptée à consister à collecter des données sur la base de questionnaires et d’entretiens. Les données collectées et traitées ont été analysées à l’aide du modèle SWOT. Les résultats obtenus montrent : (i) le nombre des femmes élues, 8,1%, déjà très faible au départ en 2003, a chuté à 2,7% en 2015 ; le taux actuel de12,24% constitue malgré tout une régression ; (ii) en tant qu’actrice de développement la femme est en réalité une actrice hybride qui est dans une période transitoire. Sa participation à la vie politique est sous l'influence de divers facteurs favorables (autodétermination, autonomie financière, appuis techniques des ONG, etc.) et défavorables (persistance des pesanteurs socioculturelles, pauvreté, manigances des partis politiques, pratiques obscurantistes, etc.). L’analyse de ces facteurs permet de relever une évolution certaine mais lente des changements socioculturels en faveur de l’émergence politique de la femme. Sa capacité à concilier vie socioéconomique et vie politique contribue également à des avancées significatives quant à sa participation aux sphères politiques locales de prise de décisions

Export Performance Perception by Managers of Family-Owned Agri-Food SMEs in Morocco: An Exploratory Case Study

The perception of export performance has been the subject of several studies in the context of developed economies, it is in this sense that we will try to understand this problem in developing countries, in this case, Morocco. This communication will deal with the concept of export performance and particularly its perception by the managers of family agri-food SMEs in Morocco, in other words this work seeks to provide elements of answers to the following questions: How do the owner-managers of family agri-food SMEs perceive the export performance of their companies? Do the managers of these companies use the same determinants and the same variables for measuring export performance ? To answer this problem, we will undertake an exploratory study with a sample of managers of family agri-food exporting SMEs in Morocco

An analysis of competitiveness in the light of the Ricardian model applied to Malian cotton

This article examines the international competitiveness of the cotton sector of Mali in the light of the ricardian model, while using, the following indicators:  the Revealed Comparative Advantage (RCA), the Comparative Advantage Revealed with importation (RMA), the Revealed Commercial Advantage (RTA), the Index of Clear Exports (NEI).  Our study covers a span of 47 years (1970-2016).  It comes out from our results that Mali has a competitive advantage in this sector compared to its main competitors.  From these results, we can say that Mali can largely benefit in marketing from cotton.&nbsp

L’EFFET SEUIL DE L’ENDETTEMENT EXTERIEUR SUR LE TAUX DE CHANGE REEL DANS LES PAYS DE LA COMMUNAUTE ECONOMIQUE DES ETATS DE L’AFRIQUE DE L’OUEST (CEDEAO)

This study analyzes the effect of external debt on the real exchange rate and determine the point of regime change when the debt settles at a given rate in ECOWAS countries. The quadratic approach estimated using least squares is used. The results reveal that the external debt has a negative and significant effect on the real exchange rate but when it is squared gives positive and significant effect on the real exchange rate. The relationship takes the form of a “U” curve. The minimum threshold found is 20.5%

Analyse des déterminants de la performance économique des producteurs de coton dans le nord du Bénin : accès aux ressources, pratiques agricoles et soutien institutionnel

This study examined the socio-economic characteristics and agro-economic performance of cotton producers in the municipalities of Banikoara, Gogounou, and Kandi in Northern Benin. Using statistical analyses, including the Kruskal-Wallis and Wilcoxon tests, the study explored the relationships between the producers' characteristics (gender, education level, access to credit) and their agricultural practices. The producers were predominantly male (96.3%) and married (92.8%), with strong participation in agricultural groups (100%). 62.3% benefited from agricultural credit, and 91% used plant protection equipment, although agroforestry was poorly adopted (5.3%). The annual income of the majority of households (54.6%) ranged from 100,000 to 1,000,000 FCFA. The results showed a significant relationship between gender and equipment rental expenses, with men spending less than women. Additionally, education level significantly affected spending on organic fertilizers, with more educated producers spending less. Finally, access to agricultural credit was associated with lower crop losses and better cotton marketing. These results highlighted the importance of socio-economic factors in the performance of cotton producers and offered insights to improve productivity and sustainability in this region

Customer Experience in the Digital Transformation Era: Insights on Personalization, Digital Marketing, and Customer Relationship Management

In the dynamic realm of digital transformation, businesses must adapt to emerging technologies and evolving consumer behaviors. This article explores the multifaceted domain of customer experience in this context, focusing on personalization, digital marketing, and CRM. It begins with an overview of the profound impact of digital transformation on businesses and the growing significance of customer experience. Theoretical foundations delve into defining customer experience, its digital evolution, and the role of personalization in marketing strategies. The discourse extends to CRM theories, providing a comprehensive understanding. Exploration of personalization and customer experience emphasizes their strategic importance in engaging customers. Detailed analyses of strategies, technologies, and best practices enrich the discourse, illuminating innovative approaches. Discussions on digital marketing highlight its transformative impact, emphasizing digital communication channels and successful case studies. The strategic imperative of CRM underscores effective management in the digital era, offering actionable insights. The article also addresses challenges like data security and information overload, alongside exploring future opportunities and trends. In conclusion, it emphasizes the pivotal role of customer experience in driving digital transformation and outlines perspectives for future research

PROBLEMES DE LA FORMALISATION DES ACTIVITE DES ENTREPRISES DANS LE DISTRICT DE TOAMASINA I, REGION ATSINANA, MADAGASCAR

Figuré dans la liste des pays les plus pauvres du monde, Madagascar se heurte, depuis des années, au problème de la formalisation des activités informelles. Des régimes politique ont essayé à plusieurs reprise d’adopter des stratégies pur améliorer la recette fiscale dont la formalisation des entreprises. Cette vision n’a jamais été efficace. Le présent article a comme objectif de déterminer les contraintes à cette formalisation. Afin d’y parvenir, une enquête ont été menée auprès de 200 entreprises dans la Région Atsinanana. Les résultats confirment que la grande partie des entreprise se trouvent dans l’informalité et ne conscient pas de l’intérêt du secteur formel. Les entrepreneurs sont majoritairement non-scolarisés et n’a jamais entendue d’au moins une action de sensibilisation à la formalisation de leurs activités. Les contraintes de la formalisation des entreprises s’expliquent par des problèmes législatifs, sociaux et économiques du pays. Vue l’importance de la formalisation sur l’amélioration de la fiscalité du pays, l’amélioration des stratégies face au contexte actuel du secteur informel est une question capital à la lutte contre la pauvreté. La question qu’il faut poser est donc : comment peut-on améliorer l’efficacité de la politique de formalisation des petites entreprises à Madagascar