In many emerging countries, the use of mobile phones in a variety of commercial transactions is becoming widespread. The development of this sector in Côte d'Ivoire is particularly important as cities seek to make the most of this new opportunity. For small businesses, mobile phone solutions facilitate money transfers and financial inclusion. However, between fiat and non-cash money, this new means of payment, issued by a private system, raises questions about the impact on the monetary base and the regulatory framework. This study analyses the adoption of mobile financial services in Daloa, located in the centre-west of Côte d'Ivoire, and its impact on the financial behaviour of users. It was based on documentary research, a questionnaire survey (64 people - payphone employees and mobile money subscribers), direct observation and interviews using the mixed method. This paper, while presenting mobile money payment facilities, draws the attention of users and policy makers to the risks of their creation and expansion, so that policy makers find regulatory responses to the challenges and issues of introducing these new mobile money services systems. Ultimately, we question whether the use of mobile currencies contributes to real financial inclusion.