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New technologies have significantly altered people's lifestyles. Today, people who were previously unbanked are increasingly accessing the financial market through digital channels. The ubiquity of connectivity, the power of technology and the existence of new means of communication are just some of the factors that have created a new financial atmosphere.Financial players are multiplying exponentially, using digital technology as a lever for their work. As a result, we are witnessing a new activity that combines the traditional finance sector (banks, microfinance institutions) with the evolution of new technologies (digital), all for digital finance. This new activity (digital financial services) has multiple advantages: it reduces transaction costs, makes certain previously impossible banking operations accessible, increases transparency and reduces the digital divide between populations.