The role of the digital economy in the financialisation and optimal integration of the informal sector, in a context of economic development

Abstract : Digital technologies continue to to impact the optimal allocation of resources. This thesis analyzes its contributions, especially those contiguous to m-payment, in de-veloping economies. It is particularly interested in the properties of this device in terms of financial inclusion and regulation of the informal sector in the context of economic development. This thesis uses various methods: descriptive, theoretical and statistical. The first chapter analyzed new considerations in the regulation of the informal sector. The second chapter examined the contribution of mobile money to mitigating the shortcomings of traditional microfinance. The third chap-ter has built a model that analyzes different options for controlling the size of the informal sector. The fourth chapter studied in general the strategic development of an innovation and in particular the positive inputs to the implementation of the international interoperability of m-payment devices in an economic region. Our results indicate that regulation of the informal sector should shift the cre-ation of compatible and indirect incentives; mobile money mitigates some of the shortcomings of traditional microfinance; m-payment associated with new forms of microcredit increases both the size of the formal sector and welfare; m-payment sector in the region considered is mature enough to be fully interconnected. Given the importance of financialization and the integration of the informal sector into economic development, our analyzes have implications for international, public and private organizations.
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Mamourou Sidiki Konate. The role of the digital economy in the financialisation and optimal integration of the informal sector, in a context of economic development. Economies and finances. Université Côte d'Azur, 2018. English. ⟨NNT : 2018AZUR0005⟩. ⟨tel-01823473⟩

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