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SMEs (Small and Medium Enterprises) play a critical role in Senegal's economy. Some SMEs choose to work with only one bank (monobanking), while others engage with multiple banks (multibanking). This study aims to examine both internal and external determinants that influence SMEs' decision to opt for multibanking. Using data collected from 105 SME managers in Senegal, the research employs multinomial logistic regression which shows that internal factors such as the size of the SME, its maturity, and the manager's experience, significantly drive multibanking, while external factors, such as the quality of banking services, negatively influence this decision. Knowledge of these factors could help to improve the bank-SME relationship, resulting in a win-win situation that better meets the needs of SMEs and increases the loyalty of the main bank's customers. This could contribute to better performance for both players.

The aim of the paper is to analyze the sustainability of cryptocurrency in blockchain technology in African countries for securing financial business transactions. Following the subprime crisis that shook the world economy, a new perception of money has emerged. It is a fully digital currency whose transactions are made through a distributed network. This algorithm-encrypted currency, reputed to be tamper-proof, transparent and inclusive, relies on a distributed network called the Blockchain. By comparison with traditional registers in which operations are paginated and successively recorded, transactions in blockchain technology are aggregated within the chain of blocks. It is decentralized since it is replicated on several geographic sites around the world. It enables peer-to-peer transactions, automated in real-time, reliable, secure, without intermediaries and non-repudiable. To ensure maximum security during financial transactions, blockchain miners use cryptography. This distributed system is, therefore, a major technological innovation capable of securing the financial infrastructure and mitigating failures by reducing operational risks. According to our analysis based on the Merkle tree model and blockchain energy consumption, the sustainability of cryptocurrency is a major issue for developing countries. Especially in Africa, its practicality poses a number of constraints.