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Attijariwafa bank pèse l’impact de la digitalisation sur l’économie

La Fondation Attijariwafa bank a co-organisé avec le Centre des Jeunes Dirigeants d’Entreprise du Maroc (CJD Maroc) la 28ème édition de son cycle de conférences « Échanger pour mieux comprendre », sous le thème : « Les défis de l’économie digitale : révolution ou subterfuge ? ».


Devant un parterre de plus de 200 personnes des mondes des affaires et universitaire, cette rencontre a réuni Denis Jacquet, fondateur de l’Observatoire de l’Ubérisation (France) et Jamal Belahrach, président de la Fondation Jobs For Africa, sous la modération de Meya Zeghari, responsable de l’Initiative Digitalisation & Process au sein de la Direction de la Transformation du groupe Attijariwafa bank. La conférence-débat a permis de cerner le concept de l’ubérisation lié à la généralisation des nouvelles technologies, d’analyser l’impact de la transformation digitale sur l’évolution de l’économie et d’identifier les stratégies d’adaptation à cette mutation structurelle.

En ouverture, Driss Maghraoui, directeur exécutif en charge des Marchés Particuliers et Professionnels du groupe Attijariwafa bank, a rappelé que les chaînes de valeur construites sur une longue durée et les positions solidement établies sont aujourd’hui court-circuitées. De nouveaux acteurs dits « disrupteurs » s’appuient sur les nouvelles technologies pour bouleverser de manière rapide et violente notre rapport au travail, désorganiser et restructurer notre relation avec nos employeurs, nos collaborateurs, nos clients et nos fournisseurs. « Nous sommes à la croisée des chemins, face à trois tendances de fond : une révolution digitale plus ou moins avancée ; une révolution de notre mode de consommation avec une reprise en main du pouvoir par le consommateur ; et une montée en puissance des activités indépendantes (freelances et auto entrepreneurs) », a indiqué Driss Maghraoui.

De son côté, Khalid Baghri, président du CJD Maroc, a insisté sur la nécessité pour les dirigeants marocains de s’approprier le nouveau concept du « bien emploi » sur lequel travaille déjà le CJD. Ce concept a pour finalité de rechercher et d’atteindre l’équilibre entre la performance de l’entreprise et l’épanouissement des collaborateurs.

Au cours de leurs échanges, les deux intervenants sont revenus sur la montée en puissance des nouvelles technologies dans l’économie mondiale, avec au cœur de cette transformation, la collecte et la gestion des données (Big Data) par les géants de l’Internet que sont les GAFA (Google, Apple, Facebook et Amazon). Pour Denis Jacquet, « La prise de contrôle sur la vie des populations par les entreprises numériques n’est pas le fait du hasard mais résulte d’une philosophie d’uniformisation et de prédictibilité des comportements humains. Cet empire digital mondial s’installe de manière insidieuse et avec une soumission volontaire des utilisateurs et commence déjà à disloquer le lien social entre les gens. Il y a donc urgence de repenser l’utilisation de ces nouvelles technologies ».

Pour sa part, Jamal Belahrach a estimé que cette révolution technologique est déjà en marche, mais faute de stratégie claire et volontariste, la valeur ajoutée qu’elle est censée générer pour le Maroc, demeure quasi- nulle. « On devrait embrasser au plus vite cette révolution pour lui donner du sens. Malheureusement, les dirigeants d’entreprises et l’Etat marocains pèchent par absence d’ambition et de prospective pour anticiper ces mutations. D’un autre côté, l’Etat a la responsabilité de protéger le peuple contre l’expansion et le hacking des GAFA, mais les entreprises marocaines doivent devenir le moteur de cette transformation économique et culturelle ». Selon le président de Jobs for Africa, cette transformation causera la disparition de 45 à 50% d’emplois qualifiés.

Pour anticiper cette évolution technologique et repenser le mode d’organisation et les formes de travail, « La philosophie doit réintégrer cette révolution technologique car il faut que le digital permette, non pas d’asservir mais d’élever la condition humaine. Certes, ce changement est inéluctable mais il faut l’aborder en formant de nouvelles élites. Nous devons établir une cartographie des emplois qui vont disparaître et proposer les formations nécessaires pour un redéploiement des ressources », explique Denis Jacquet. De son côté, Jamal Belahrach estime que le rôle de l’État est de créer une dynamique permanente et égalitaire à travers l’éducation et la formation. Avant de conclure, « Nous avons toutes les qualités au Maroc pour réussir cette transformation. Nous devons adopter d’urgence une vision et un plan d’actions, pour provoquer le déclic et déclencher cette transformation ».

A l’issue des discussions, le panel a engagé un échange riche et constructif avec l’assistance autour des défis que pose l’ubérisation de l’économie.


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