5 xx  In the financially integrated environment of the WAEMU, BCEAO has set a regulatory framework to promote the emergence of banking and non banking actors offering e-money services, such as mobile payment  Given the potential of mobile payment for the monetary Union population s financial inclusion : BCEAO is challenged to update its current regulation and is implied along with all stakeholders in the development of mobile payments in and outside the WAEMU  Accordingly, the Governor of the BCEAO put the development of financial services based on mobile phone on the top of the institution 2012 agenda INTRODUCTION
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