Jacques KIAMBU DI TUEMA Université du Moyen-Lualaba de Kalima, République Démocratique du Congo Faculté d’Économie, Province du Maniema jakiam1@yahoo.fr ORCID : https://orcid.org/0000-0001-5855-1225
Florent Jean Désiré KABIKISSA Université Marien NGOUABI de Brazzaville, Congo Faculté des Sciences Économiques, Laboratoire d’Économie Financière et des Institutions kabisdesire2015@gmail.com ORCID : https://orcid.org/0000-0001-6079-7267
Ferdinand MOUSSAVOU Université Marien NGOUABI de Brazzaville, Congo Faculté des Sciences Économiques, Laboratoire d’Économie Financière et des Institutions fajmoussavou@gmail.com ORCID : https://orcid.org/0000-0001-5178-582X
Claude LOMAMA LOMBOTO Université Sorbonne Paris Nord, France Institut Universitaire de Technologie de Villetaneuse, Campus Villetaneuse llomama@yahoo.fr ORCID : https://orcid.org/0000-0002-2414-328X
Étienne KIYUNGA TCHANDEMA Institut Supérieur Pédagogique de Kalima, République Démocratique du Congo Province du Maniema etiennechandema@gmail.com ORCID : https://orcid.org/0000-0003-2230-0306
Abstract: This article analyzes the competition between commercial banks and operators of mobile telephony (OMT) in financial inclusion in the Democratic Republic of Congo (DRC) in a market where services are differentiated horizontally. We use the Hotelling model (1929), to study the consequences of competition on the development of financial services. The conclusion is that competition between banks and operators of mobile telephony is not conductive to lower prices or massive financial inclusion. Rather, it accentuates a po- larized diffusion of financial services across the national territory, given the low income levels of the population and the importance of the informal sector that characterizes the Congolese economy.
Keywords: banks, operators of mobile telephony, financial inclusion, competition, innova- tions, Democratic Republic of Congo.