accompagne ses clients face \u00e0 leurs principaux challenge<\/a>s en prenant en compte les nouvelles r\u00e9glementations, l\u2019entr\u00e9e de nouveaux acteurs et la transformation digitale.<\/p>\r\nPlus que jamais, les \u00e9tablissements bancaires doivent mettre les clients au centre de leurs pr\u00e9occupations : ils ont de fortes attentes, aussi bien en termes de disponibilit\u00e9s des conseillers, que d\u2019accessibilit\u00e9 aux donn\u00e9es bancaires ou encore en termes de degr\u00e9 de personnalisation des offres qui leur sont adress\u00e9es. La concurrence est quant \u00e0 elle toujours plus intense sur le march\u00e9 : de nouveaux
\u00e9tablissements voient r\u00e9guli\u00e8rement le jour (fintech et agr\u00e9gateurs de comptes par exemple) et viennent bousculer le mode de fonctionnement des \u00e9tablissements dits \u00ab classiques \u00bb.<\/p>\r\n
Diversification d\u2019activit\u00e9s de grands groupes avec l\u2019ajout d\u2019une branche bancaire, APIsation des banques,\u2026rendent le march\u00e9 concurrentiel et dynamique pour les clients<\/p>\r\n
Faciliter les services bancaires au quotidien n\u00e9cessite pour les banques de faire \u00e9voluer leur mod\u00e8le op\u00e9rationnel en imaginant de nouveaux moyens d\u2019interaction. L\u2019utilisation des chatbots ou des
\u00e9changes via les r\u00e9seaux sociaux deviennent la norme. Des banques 100% en ligne qui font office de pr\u00e9curseur sur certaines initiatives digitales. Paiement instantan\u00e9, applications digitales \u00e9volu\u00e9es, vision 360\u00b0 de l\u2019\u00e9pargne du client, les banques multiplient les initiatives visant \u00e0 r\u00e9pondre aux nouveaux besoins des consommateurs\u2026<\/p>\r\n
A partir de septembre 2019, sous l\u2019impulsion de la directive DSP2, les banques doivent proposer des interfaces de programmation, appel\u00e9es API, \u00e0 des tiers agr\u00e9\u00e9s. L\u2019acc\u00e8s aux donn\u00e9es de paiement de leurs clients permet d\u2019ouvrir le march\u00e9 \u00e0 d\u2019autres acteurs. Cela se mat\u00e9rialise par:<\/p>\r\n
\u2022 des strat\u00e9gies disruptives et innovantes mises en place par les Fintechs de gestion de finance personnelle et lesprestataires de service<\/p>\r\n
\u2022 la diversification des activit\u00e9s en apportant des services bancaires \u00e0 leur panel d\u2019offres (PSA, Amazon, Apple, Facebook notamment)<\/p>\r\n
L\u2019Open Banking va changer la fa\u00e7on dont nous construisons et offrons des services via les syst\u00e8mes bancaires centraux. Les banques ne donneront plus simplement acc\u00e8s \u00e0 une application, mais \u00e9galement un acc\u00e8s \u00e0 un \u00e9cosyst\u00e8me d’applications parmi lesquelles un utilisateur peut s\u00e9lectionner et t\u00e9l\u00e9charger celles qui r\u00e9pondent le mieux \u00e0 son besoin<\/p>\r\n
L\u2019objectif est de s\u2019adapter aux nouvelles tendances du march\u00e9 tout en maintenant ses capacit\u00e9s de croissance. Pour en savoir plus contactez-nous<\/a><\/p>","protected":false},"excerpt":{"rendered":"Le paysage bancaire fran\u00e7ais en 2019 – Banque de d\u00e9tail<\/p>\n","protected":false},"author":32,"featured_media":3654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[81],"tags":[],"class_list":["post-3647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-institute-fr"],"acf":[],"yoast_head":"\n
Le paysage bancaire fran\u00e7ais en 2019 - Banque de d\u00e9tail - Aurexia<\/title>\n<meta name=\"description\" content=\"Le paysage bancaire fran\u00e7ais en 2019 - Banque de d\u00e9tail. En pleine \u00e9volution technologique, op\u00e9rationnelle et r\u00e9glementaire, le paysage bancaire fran\u00e7ais continue sa transformation.Aurexia accompagne ses clients face \u00e0 leurs principaux challenges en prenant en compte les nouvelles r\u00e9glementations, l\u2019entr\u00e9e de nouveaux acteurs et la transformation digitale.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.aurexia.com\/fr\/le-paysage-bancaire-francais-en-2019-banque-de-detail\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le paysage bancaire fran\u00e7ais en 2019 - Banque de d\u00e9tail - Aurexia\" \/>\n<meta property=\"og:description\" content=\"Le paysage bancaire fran\u00e7ais en 2019 - Banque de d\u00e9tail. En pleine \u00e9volution technologique, op\u00e9rationnelle et r\u00e9glementaire, le paysage bancaire fran\u00e7ais continue sa transformation.Aurexia accompagne ses clients face \u00e0 leurs principaux challenges en prenant en compte les nouvelles r\u00e9glementations, l\u2019entr\u00e9e de nouveaux acteurs et la transformation digitale.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.aurexia.com\/fr\/le-paysage-bancaire-francais-en-2019-banque-de-detail\/\" \/>\n<meta property=\"og:site_name\" content=\"Aurexia\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-23T13:02:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-23T13:12:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.aurexia.com\/wp-content\/uploads\/2019\/06\/banque-de-de\u0301tail.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1768\" \/>\n\t<meta property=\"og:image:height\" content=\"992\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Maxime Poriel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maxime Poriel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.aurexia.com\/fr\/le-paysage-bancaire-francais-en-2019-banque-de-detail\/\",\"url\":\"https:\/\/www.aurexia.com\/fr\/le-paysage-bancaire-francais-en-2019-banque-de-detail\/\",\"name\":\"Le paysage bancaire fran\u00e7ais en 2019 - Banque de d\u00e9tail - Aurexia\",\"isPartOf\":{\"@id\":\"https:\/\/www.aurexia.com\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.aurexia.com\/fr\/le-paysage-bancaire-francais-en-2019-banque-de-detail\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.aurexia.com\/fr\/le-paysage-bancaire-francais-en-2019-banque-de-detail\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.aurexia.com\/wp-content\/uploads\/2019\/06\/banque-de-de\u0301tail.jpg\",\"datePublished\":\"2019-07-23T13:02:58+00:00\",\"dateModified\":\"2019-07-23T13:12:41+00:00\",\"author\":{\"@id\":\"https:\/\/www.aurexia.com\/fr\/#\/schema\/person\/b31f23919ebb29357bd15c63e3633eea\"},\"description\":\"Le paysage bancaire fran\u00e7ais en 2019 - Banque de d\u00e9tail. 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