{"id":2837,"date":"2018-10-10T23:16:17","date_gmt":"2018-10-10T22:16:17","guid":{"rendered":"http:\/\/mouillere.com\/universconvergents\/?p=2837"},"modified":"2020-04-01T22:19:12","modified_gmt":"2020-04-01T21:19:12","slug":"etude-sur-les-modeles-daffaires-des-banques-en-ligne-et-des-neobanques","status":"publish","type":"post","link":"https:\/\/mouillere.com\/universconvergents\/2018\/10\/10\/etude-sur-les-modeles-daffaires-des-banques-en-ligne-et-des-neobanques\/","title":{"rendered":"ETUDE SUR LES MODELES D\u2019AFFAIRES DES BANQUES EN LIGNE ET DES NEOBANQUES"},"content":{"rendered":"<p>L\u2019APCR vient de publier une int\u00e9ressante \u00e9tude sur les n\u00e9obanques et banques mobiles qui se sont d\u00e9velopp\u00e9es depuis le d\u00e9but des ann\u00e9es 2000\u00a0mais dont la rentabilit\u00e9 de leur mod\u00e8le \u00e9conomique reste \u00e0 d\u00e9montrer.<\/p>\n<p><!--more--><\/p>\n<p>Un panel de 12 \u00e9tablissements a \u00e9t\u00e9 interrog\u00e9\u00a0: BForBank (Groupe Cr\u00e9dit Agricole), Boursorama (Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale), C-Zam (Carrefour Banque), Compte Nickel (Groupe BNP Paribas), Fortuneo (Groupe Cr\u00e9dit Mutuel Ark\u00e9a), Hello Bank (Groupe BNP Paribas), ING Direct (Groupe ING), Ma French Bank (Groupe La Banque Postale), Monabanq (Groupe CM11-CIC), N26 Bank, Orange Bank (Groupe Orange) et Revolut.<\/p>\n<p>Certaines sont des marques (Hello Bank) ou des produits (C-Zam) sans personnalit\u00e9 juridique tandis que d\u2019autres \u00e9trang\u00e8res sont pr\u00e9sentes en France via le passeport europ\u00e9en (N26 Bank, Revolut). Elles peuvent aussi \u00eatre tr\u00e8s r\u00e9centes (Orange Bank depuis novembre 2017) ou encore en phase de lancement (Ma French Bank du groupe La Banque Postale), appartenir \u00e0 des grands groupes bancaires (Boursorama, Compte Nickel, BforBank, Fortuneo) ou rester ind\u00e9pendantes. Enfin, certaines banques mobiles s\u2019appuient sur un r\u00e9seau physique, \u00e0 l\u2019instar d\u2019Orange Bank avec les boutiques Orange, l\u00e0 o\u00f9 d\u2019autres concurrentes sont accessibles uniquement sur t\u00e9l\u00e9phone mobile.<\/p>\n<p>Si beaucoup d\u2019entre elles b\u00e9n\u00e9ficient de leur int\u00e9gration \u00e0 des grands groupes, ce qui leur assure une certaine solidit\u00e9 financi\u00e8re, elles restent toutefois expos\u00e9es \u00e0 certains risques :<\/p>\n<ol>\n<li>risques op\u00e9rationnels : risques de fraude externe (fraude documentaire, fraude sur les moyens de paiement) et, compte tenu du nombre \u00e9lev\u00e9 de prestataires technologiques, risques d\u2019externalisation\u00a0;<\/li>\n<li>Dans la mesure o\u00f9 l\u2019entr\u00e9e en relation se fait \u00e0 distance, elles doivent aussi faire preuve d\u2019une vigilance particuli\u00e8re en mati\u00e8re de lutte contre le blanchiment des capitaux et le financement du terrorisme. Si elles font d\u00e9j\u00e0 appel aux nouvelles technologies pour s\u00e9curiser les conqu\u00eates de nouveaux clients, elles attendent aussi de pouvoir s\u2019appuyer sur un dispositif d\u2019identit\u00e9 num\u00e9rique de niveau \u00e9lev\u00e9 en France\u00a0;<\/li>\n<li>En lien avec leur positionnement strat\u00e9gique, elles misent sur la d\u00e9mat\u00e9rialisation des parcours, l\u2019autonomie laiss\u00e9e aux clients et l\u2019automatisation du relationnel via des d\u00e9veloppements rapides en intelligence artificielle. En mati\u00e8re de protection du consommateur, elles doivent continuer de garantir l\u2019accessibilit\u00e9 et la qualit\u00e9 de l\u2019information fournie aux clients.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<blockquote><p><em>\u00ab Ces nouveaux acteurs ne sont pas parvenus \u00e0 d\u00e9gager des r\u00e9sultats positifs en 2017 (\u2026) Les incertitudes restent nombreuses quant \u00e0 la capacit\u00e9 des nouveaux acteurs bancaires \u00e0 construire un mod\u00e8le d\u2019affaires rentable (\u2026) Tout l\u2019enjeu r\u00e9side donc dans leur capacit\u00e9 \u00e0 maintenir leur dynamique de d\u00e9veloppement et d\u2019en amortir les co\u00fbts aff\u00e9rents. Or, si les acteurs sond\u00e9s dans notre \u00e9tude ambitionnent un total de 13,3 millions de clients \u00e0 fin 2020, aucun \u00e9l\u00e9ment ne laisse pr\u00e9sager une croissance du march\u00e9 fran\u00e7ais: la population fran\u00e7aise est d\u00e9j\u00e0 fortement bancaris\u00e9e, la croissance d\u00e9mographique reste faible et l\u2019hypoth\u00e8se d\u2019une augmentation structurelle de la multi-bancarisation est d\u00e9battue\u00a0\u00bb<\/em><\/p>\n<p>&nbsp;<\/p><\/blockquote>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fmouillere.com%2Funiversconvergents%2Fwp-content%2Fuploads%2F2018%2F10%2F20181010_etude_acpr_banque_en_ligne_neobanque.pdf&hl=fr&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/10\/20181010_etude_acpr_banque_en_ligne_neobanque.pdf\" class=\"gde-link\">T\u00e9l\u00e9charger (PDF, 723KB)<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.maddyness.com\/2018\/10\/10\/neobanques-france-modele-economique\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.maddyness.com\/2018\/10\/10\/neobanques-france-modele-economique\/<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/acpr.banque-france.fr\/sites\/default\/files\/medias\/documents\/20181010_etude_acpr_banque_en_ligne_neobanque.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/acpr.banque-france.fr\/sites\/default\/files\/medias\/documents\/20181010_etude_acpr_banque_en_ligne_neobanque.pdf<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.culturebanque.com\/innovation\/panorama-neo-banques-france\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.culturebanque.com\/innovation\/panorama-neo-banques-france\/<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019APCR vient de publier une int\u00e9ressante \u00e9tude sur les n\u00e9obanques et banques mobiles qui se sont d\u00e9velopp\u00e9es depuis le d\u00e9but des ann\u00e9es 2000\u00a0mais dont la rentabilit\u00e9 de leur mod\u00e8le \u00e9conomique&hellip; <\/p>\n","protected":false},"author":1,"featured_media":2839,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[87],"tags":[],"class_list":["post-2837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-payment"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/10\/neobanques-monde-e1511520175316.jpg?fit=550%2C428&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p6jw1p-JL","jetpack-related-posts":[{"id":4505,"url":"https:\/\/mouillere.com\/universconvergents\/2020\/05\/12\/rapport-de-lanssi-sur-le-groupe-de-cybercriminels-silence\/","url_meta":{"origin":2837,"position":0},"title":"Rapport de l&#8217;ANSSI sur le groupe de cybercriminels Silence","author":"Fred","date":"12 mai 2020","format":false,"excerpt":"L'ANSSI vient de publier un rapport d\u00e9di\u00e9 au groupe de cybercriminels russophones d\u00e9nomm\u00e9 Silence du fait que ses protagonistes ont pour habitude de rester discrets entre deux campagne d\u2019attaques. \u00a0 \"Au total, de juin 2016 \u00e0 juin 2019, Silence aurait d\u00e9rob\u00e9 environ 4,2 millions de dollars \u00e0 des banques\" Le\u2026","rel":"","context":"Dans &quot;Cybers\u00e9curit\u00e9&quot;","block_context":{"text":"Cybers\u00e9curit\u00e9","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/cybersecurite\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2020\/05\/EXeKJBZUcAEkOac.png?fit=779%2C438&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2020\/05\/EXeKJBZUcAEkOac.png?fit=779%2C438&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2020\/05\/EXeKJBZUcAEkOac.png?fit=779%2C438&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2020\/05\/EXeKJBZUcAEkOac.png?fit=779%2C438&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6111,"url":"https:\/\/mouillere.com\/universconvergents\/2024\/07\/19\/microsoft-bug-ou-cyberattaque\/","url_meta":{"origin":2837,"position":1},"title":"Microsoft : bug ou cyberattaque ?","author":"Fred","date":"19 juillet 2024","format":false,"excerpt":"M\u00e9dias et experts en cybers\u00e9curit\u00e9 s'empressent de qualifier de panne informatique mondiale les anomalies bloquantes affectant actuellement de nombreuses infrastructures critiques et essentielles utilisant les services de Microsoft qui serait dues \u00e0 une mise \u00e0 jour d\u00e9fectueuse du logiciel de cybers\u00e9curit\u00e9 CrowdStrike. Dans le contexte g\u00e9opolitioque actuel et face \u00e0\u2026","rel":"","context":"Dans &quot;Cybers\u00e9curit\u00e9&quot;","block_context":{"text":"Cybers\u00e9curit\u00e9","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/cybersecurite\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2024\/07\/Microsoft.jpeg?fit=1024%2C1024&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2024\/07\/Microsoft.jpeg?fit=1024%2C1024&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2024\/07\/Microsoft.jpeg?fit=1024%2C1024&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2024\/07\/Microsoft.jpeg?fit=1024%2C1024&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":2794,"url":"https:\/\/mouillere.com\/universconvergents\/2018\/09\/20\/true-cost-of-gdpr\/","url_meta":{"origin":2837,"position":2},"title":"True Cost Of GDPR","author":"Fred","date":"20 septembre 2018","format":false,"excerpt":"Section 33 of the GDPR\u00a0sates we\u00a0must report a breach within 72 hours. It took British Airways just one day to announce it had been hit by a cyber-attack between 21 August and 5 September. On 6 September, the airline informed its customers that details from around 380,000 booking transactions had\u2026","rel":"","context":"Dans &quot;Donn\u00e9es personnelles&quot;","block_context":{"text":"Donn\u00e9es personnelles","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/donnees-personnelles\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2017\/09\/gdpr.jpg?fit=460%2C206&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":2796,"url":"https:\/\/mouillere.com\/universconvergents\/2018\/09\/21\/google-pay-en-france\/","url_meta":{"origin":2837,"position":3},"title":"Google Pay en France","author":"Fred","date":"21 septembre 2018","format":false,"excerpt":"Lanc\u00e9e au d\u00e9but de l'ann\u00e9e aux Etats-Unis, Google Pay n'est toujours pas disponible en France alors qu'il a \u00e9t\u00e9 lanc\u00e9 en R\u00e9publique tch\u00e8que, Irlande, Belgique, Pologne, Espagne ou Royaume-Uni. Google Pay couvre le paiement NFC en boutique physique depuis un smartphone en sus des informations bancaires li\u00e9es \u00e0 un compte\u2026","rel":"","context":"Dans &quot;Banking &amp; Payment&quot;","block_context":{"text":"Banking &amp; Payment","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/banking-payment\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/09\/nfc_harris.jpg?fit=620%2C455&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/09\/nfc_harris.jpg?fit=620%2C455&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/09\/nfc_harris.jpg?fit=620%2C455&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":1495,"url":"https:\/\/mouillere.com\/universconvergents\/2015\/11\/27\/surveillance-dinternet-dans-le-monde-le-conseil-constitutionnel-laisse-un-flou\/","url_meta":{"origin":2837,"position":4},"title":"Surveillance d\u2019Internet dans le monde : le Conseil constitutionnel laisse un flou","author":"Fred","date":"27 novembre 2015","format":false,"excerpt":"En validant sans aucune r\u00e9serve d'intepr\u00e9tation la loi sur la surveillance internationale des communications \u00e9lectroniques, le Conseil constitutionnel ouvre aux services de renseignement une porte pour \u00e9chapper au contr\u00f4le pr\u00e9vu par la loi pour le renseignement interne, y compris pour des Fran\u00e7ais en France. http:\/\/www.numerama.com\/politique\/132866-surveillance-sur-internet-le-conseil-constitutionnel-laisse-un-flou.html http:\/\/www.conseil-constitutionnel.fr\/conseil-constitutionnel\/root\/bank\/download\/2015722DC2015722dc.pdf","rel":"","context":"Dans 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