{"id":16955,"date":"2020-07-22T10:46:54","date_gmt":"2020-07-22T08:46:54","guid":{"rendered":"https:\/\/sendapp.live\/?p=16955"},"modified":"2020-07-22T10:46:54","modified_gmt":"2020-07-22T08:46:54","slug":"future-bank","status":"publish","type":"post","link":"https:\/\/sendapp.live\/fr\/2020\/07\/22\/banca-del-futuro\/","title":{"rendered":"Banque du futur"},"content":{"rendered":"

Un homme appelle une banque pour s'enqu\u00e9rir des horaires d'ouverture. \u00ab\u00a0Quand n'arrivez-vous pas \u00e0 faire face\u00a0?\u00a0\u00bb Voici la r\u00e9ponse. C'est une vieille blague. Cela refl\u00e8te une \u00e9poque o\u00f9 les banques n'\u00e9taient que des immeubles \u2013 des immeubles qui fermaient \u00e0 16 heures et n'ouvraient pas du tout le week-end.<\/p>\n

Une nouvelle vague de Fintech repense le syst\u00e8me bancaire. Ils utilisent des alertes en temps r\u00e9el, des appels vocaux, des analyses de donn\u00e9es et bien plus encore pour d\u00e9tourner les clients des op\u00e9rateurs historiques de la vieille \u00e9cole. Tim Green, r\u00e9dacteur mobile, \u00e9diteur et influenceur, rapporte un transfert de compte majeur.<\/p>\n

Aujourd\u2019hui, nous vivons une \u00e9poque plus progressiste. Les succursales existent toujours. Mais pour la plupart des clients, la banque r\u00e9side d\u00e9sormais \u00e0 l'int\u00e9rieur Une application<\/a>. Nous pouvons consulter les soldes, effectuer des virements, commander des cartes et bien plus encore d\u2019une simple pression du doigt. C'est facile.<\/p>\n

Mais cela pourrait \u00eatre encore plus simple. En effet, dans un monde o\u00f9 les taux d\u2019int\u00e9r\u00eat sont n\u00e9gligeables, on pourrait affirmer que l\u2019exp\u00e9rience utilisateur (UX) constitue le principal avantage concurrentiel \u2013 bien plus important que les frais et les rendements.<\/p>\n

Et il ne fait aucun doute que la nouvelle g\u00e9n\u00e9ration de banques ax\u00e9es sur le mobile est en train de gagner la bataille de l\u2019UX. Des entreprises comme Fidor et N26 en Allemagne et Monzo, Starling, Atom et Revolut au Royaume-Uni n\u2019ont pas de succursales et ne sont pas g\u00ean\u00e9es par une infrastructure technique vieille de plusieurs d\u00e9cennies. Ils profitent de ce manque d\u2019h\u00e9ritage pour se concentrer sur le red\u00e9marrage de l\u2019exp\u00e9rience client.<\/p>\n

Un bon exemple parmi tant d\u2019autres est l\u2019approche de Monzo en mati\u00e8re de relev\u00e9s de paiement. Lorsque les titulaires de compte parcourent leur historique d'achats, ils peuvent cliquer pour r\u00e9v\u00e9ler des d\u00e9tails suppl\u00e9mentaires tels que le logo du magasin, les informations sur le produit et l'emplacement du magasin. Des notifications push sur les transactions sont \u00e9galement envoy\u00e9es en temps r\u00e9el. Ce dernier est non seulement bon pour la tenue des registres, mais contribue \u00e9galement \u00e0 r\u00e9duire la fraude.<\/p>\n

Ces caract\u00e9ristiques illustrent comment les banques challenger voient le mobile comme un moyen de red\u00e9finir ce qu'est une banque : une institution financi\u00e8re plus intelligente et plus personnelle, plut\u00f4t qu'un simple canal pouvant faciliter les fonctions existantes \u00e0 un prix inf\u00e9rieur.<\/p>\n

Surtout, une exp\u00e9rience utilisateur centr\u00e9e sur le mobile produit \u00e9galement des donn\u00e9es en temps r\u00e9el, que ces banques peuvent analyser pour fournir des services utiles. Valentin Stalf, PDG de N26, en a donn\u00e9 un exemple dans une interview avec Reuters. "S'il m'arrive de r\u00e9server un voyage et de louer une voiture avec ma carte N26, mon application utilisera imm\u00e9diatement ces informations pour me proposer une assurance voyage et automobile", a-t-il d\u00e9clar\u00e9.<\/p>\n

Cependant, N26 ne fournira pas l'assurance. Ce sera plut\u00f4t un partenaire sp\u00e9cialis\u00e9. En effet, la plupart des nouvelles banques num\u00e9riques utilisent un mod\u00e8le de \u00ab banque comme place de march\u00e9 \u00bb, dans lequel la banque oriente les clients vers une gamme de prestataires via son application. Encore une fois, cela n\u2019est possible que dans un monde centr\u00e9 sur le mobile. Ce type de r\u00e9flexion innovante aide l'entreprise berlinoise \u00e0 recruter 2 000 clients par jour.<\/p>\n

Il est int\u00e9ressant de noter que ce ne sont pas seulement les start-ups qui m\u00e8nent la tendance des services bancaires mobiles. Fait surprenant, les op\u00e9rateurs mobiles font \u00e9galement leur entr\u00e9e sur le march\u00e9. En 2017, Orange a obtenu une licence bancaire, rejoignant d'autres comme O2 Allemagne et Telenor Serbie pour proposer des services bancaires complets. Qu\u2019est-ce qui fait croire aux ORM qu\u2019ils peuvent r\u00e9ussir en tant que banques\u00a0?<\/p>\n

Simple. Ils pensent que les services bancaires deviennent mobiles et qu'ils peuvent offrir une meilleure UX mobile que les op\u00e9rateurs historiques. Les clients d'O2 Banking peuvent, par exemple, s'inscrire via une session de chat vid\u00e9o int\u00e9gr\u00e9e \u00e0 l'application avec un agent. En cinq minutes, ils peuvent avoir un compte actif avec un MasterCard<\/a> gratuit. M\u00eame si l'omnipr\u00e9sence de la possession d'un smartphone provoque des perturbations dans le secteur bancaire, ce n'est pas le seul facteur.<\/p>\n

Il y a aussi une r\u00e9glementation. En 2018, l\u2019Union europ\u00e9enne a introduit la directive sur les services de paiement 2 (PSD2). Cela oblige les banques \u00e0 ouvrir les donn\u00e9es de leurs clients \u00e0 des tiers si les clients y consentent. Le changement de loi permet aux entreprises innovantes de cr\u00e9er des applications qui peuvent aider les gens \u00e0 prendre de meilleures d\u00e9cisions financi\u00e8res.<\/p>\n

Rien qu'au Royaume-Uni, 14 start-ups se sont enregistr\u00e9es d\u00e8s le premier jour de la PSD2 \u2013 et pratiquement toutes \u00e9taient ax\u00e9es sur le mobile. Un exemple est Moneyhub, une application de gestion financi\u00e8re personnelle qui regroupe le compte bancaire, la carte, les investissements, l'\u00e9pargne et les pr\u00eats d'un utilisateur en un seul endroit. Les utilisateurs peuvent d\u00e9finir des objectifs de d\u00e9penses, puis obtenir un coup de pouce en temps opportun pour les aider \u00e0 rester sur la bonne voie.<\/p>\n

Une autre cons\u00e9quence de l\u2019open banking est qu\u2019il donne aux start-up la possibilit\u00e9 de superposer leurs services sur d\u2019autres canaux. Apr\u00e8s tout, pourquoi cr\u00e9er une application alors que tous vos clients sont sur Facebook ? C'est \u00ab des op\u00e9rations bancaires partout \u00bb et c'est d\u00e9j\u00e0 le cas.<\/p>\n

Par exemple, Plum a cr\u00e9\u00e9 un chatbot dans Facebook Messenger. Il offre un service similaire \u00e0 Moneyhub, mais le fait en \u00ab discutant \u00bb avec l'utilisateur lors d'une session de discussion en temps r\u00e9el.<\/p>\n

\u00c0 bien des \u00e9gards, des services comme Moneyhub et Plum montrent \u00e0 quel point la messagerie est au c\u0153ur de l\u2019exp\u00e9rience client propos\u00e9e par les nouvelles Fintechs. Ils appr\u00e9cient la qualit\u00e9 asynchrone de la messagerie. Ils savent que cela permet aux gens de dig\u00e9rer les informations imm\u00e9diatement, mais ils r\u00e9agissent lorsque cela leur convient.<\/p>\n

Bien entendu, les nouvelles Fintechs peuvent apporter leurs conseils, alertes en temps r\u00e9el et sessions de chatbot gr\u00e2ce \u00e0 la \u00ab plateforme de communication as a service \u00bb. CPaaS transforme les communications en logiciels. Il donne aux entreprises la possibilit\u00e9 d'int\u00e9grer des fonctionnalit\u00e9s voix, vid\u00e9o et texte chez leurs clients.<\/p>\n

Bien entendu, les nouvelles Fintechs peuvent apporter leurs conseils, alertes en temps r\u00e9el et sessions de chatbot gr\u00e2ce \u00e0 la \u00ab plateforme de communication as a service \u00bb. CPaaS transforme les communications en logiciels. Il donne aux entreprises la possibilit\u00e9 d'int\u00e9grer des fonctionnalit\u00e9s voix, vid\u00e9o et texte dans leurs applications destin\u00e9es aux clients en cas de besoin. Le CPaaS a jou\u00e9 un r\u00f4le central dans l\u2019innovation bancaire. En l\u2019absence d\u2019un mod\u00e8le aussi flexible et pratique bas\u00e9 sur une API, on peut soutenir que la plupart des Fintech n\u2019existeraient pas.<\/p>\n

Les perturbations introduites jusqu\u2019\u00e0 pr\u00e9sent par les banques challenger ne sont qu\u2019un d\u00e9but. Les technologies telles que l\u2019intelligence artificielle, les interfaces vocales, la r\u00e9alit\u00e9 augment\u00e9e et la blockchain apporteront sans aucun doute de nouvelles id\u00e9es et de nouvelles start-ups. Mais une chose ne changera pas. Les gens exigeront la possibilit\u00e9 de r\u00e9cup\u00e9rer des informations et d\u2019obtenir des r\u00e9ponses quand et o\u00f9 ils le souhaitent. La communication sera une constante. M\u00eame le week-end.<\/p>","protected":false},"excerpt":{"rendered":"

Un homme appelle une banque pour demander les horaires d'ouverture. \u00ab\u00a0Quand ne pouvez-vous pas venir\u00a0?\u00a0\u00bb r\u00e9pond-il. C'est une vieille blague. Elle refl\u00e8te une \u00e9poque o\u00f9 les banques\u2026<\/p>","protected":false},"author":22,"featured_media":16957,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daim_seo_power":"","_daim_enable_ail":"","footnotes":""},"categories":[1343],"tags":[63,874,53,122,49,833,31,854,46,128,45,30,846],"class_list":{"0":"post-16955","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mobile","8":"tag-allarme-per-whatsapp","9":"tag-app","10":"tag-archivia-chat-whatsapp","11":"tag-risposta-automatica-per-whatsapp","12":"tag-come-inviare-messaggi-che-si-autodistruggono-su-whatsapp-e-possibile-inviare-messaggi-whatsapp-che-si-autodistruggono-dopo-24-ore-utilizzando-funzione","13":"tag-how-to-set-up-auto-reply-for-whatsapp-guide-for-2020","14":"tag-free-whatsapp-bulk-sender","15":"tag-numero-virtuale-per-attivare-whatsapp","16":"tag-come-leggere-i-messaggi-eliminati","17":"tag-custom-message","18":"tag-messaggi-whatsapp-eliminati","19":"tag-sendapp","20":"tag-telegram"},"yoast_head":"\nBanca del Futuro<\/title>\n<meta name=\"description\" content=\"Una nuova ondata di Fintech sta ripensando il sistema bancario. 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