{"id":10302,"date":"2022-11-22T17:52:39","date_gmt":"2022-11-22T16:52:39","guid":{"rendered":"https:\/\/www.powens.com\/?post_type=customerstories&#038;p=10302"},"modified":"2024-11-29T13:12:07","modified_gmt":"2024-11-29T12:12:07","slug":"origame","status":"publish","type":"customerstories","link":"https:\/\/www.powens.com\/fr\/customer-stories\/origame\/","title":{"rendered":"Origame : L\u2019Open Banking pour g\u00e9rer et optimiser efficacement les abonnements des particuliers"},"content":{"rendered":"<p><strong>Face \u00e0 l\u2019essor de l\u2019\u00e9conomie de l\u2019abonnement, <a href=\"https:\/\/www.origame.fr\/\" target=\"_blank\" rel=\"noopener\">Origame<\/a> s\u2019est donn\u00e9 pour mission de garantir la s\u00e9r\u00e9nit\u00e9 financi\u00e8re et administrative des particuliers. La start-up propose une application de gestion des abonnements, \u00e0 mi-chemin entre une application de gestion de budget et un assistant administratif virtuel. Pour l\u2019\u00e9tape cruciale du parcours utilisateur, elle a fait le choix des technologies Open Banking de Powens.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Le besoin : inciter les utilisateurs \u00e0 synchroniser automatiquement l&rsquo;ensemble de leurs contrats d&rsquo;abonnement<\/span><\/h2>\n<p>Entre les fournisseurs d\u2019\u00e9nergie, la box internet, le forfait mobile, les assurances, le t\u00e9l\u00e9p\u00e9age, la salle de sport ou encore les diff\u00e9rentes plateformes de streaming, <strong>chaque Fran\u00e7ais poss\u00e8de en moyenne 12 abonnements<\/strong>. La charge administrative et les d\u00e9penses s\u2019accumulent donc rapidement.<\/p>\n<p><strong>Origame permet de centraliser ses abonnements sur un tableau de bord et ainsi de prendre des d\u00e9cisions<\/strong> : conserver les abonnements les plus pertinents, en r\u00e9silier d\u2019autres, rechercher des contrats alternatifs plus avantageux et g\u00e9rer les nouvelles souscriptions.<\/p>\n<p>&nbsp;<\/p>\n<p>L\u2019application fonctionne en 3 \u00e9tapes :<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Ajout des contrats d\u2019abonnement sur la plateforme<\/strong><\/li>\n<li aria-level=\"1\"><strong>Visualisation et audit des abonnements<\/strong><\/li>\n<li aria-level=\"1\"><strong>Gestion des d\u00e9marches administratives par l\u2019\u00e9quipe Origame pour r\u00e9silier des contrats et changer de fournisseurs<\/strong><\/li>\n<\/ul>\n<p>Pour la premi\u00e8re \u00e9tape du parcours, la plus cruciale, l\u2019\u00e9quipe Origame a souhait\u00e9 collaborer avec un fournisseur d\u2019API Open Banking. Le but \u00e9tait de proposer aux utilisateurs une alternative \u00e0 l\u2019ajout manuel chronophage des contrats : <strong>la synchronisation automatique des donn\u00e9es li\u00e9es \u00e0 leurs contrats d\u2019abonnement.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">La solution : l\u2019agr\u00e9gation des donn\u00e9es bancaires<\/span><\/h2>\n<p><b>Le produit <\/b><a href=\"https:\/\/www.powens.com\/fr\/produits\/bank\/\"><b>Bank<\/b><\/a> de Powens a \u00e9t\u00e9 int\u00e9gr\u00e9 \u00e0 l\u2019application en mars 2021, soit un an apr\u00e8s le lancement de l\u2019application. Au lieu de rechercher leurs contrats et de les d\u00e9clarer manuellement dans l\u2019application, les utilisateurs ont juste besoin de s\u2019authentifier \u00e0 leurs comptes bancaires respectifs et autorisent explicitement Powens \u00e0 transf\u00e9rer les donn\u00e9es \u00e0 Origame.<span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>Les paiements li\u00e9s aux diff\u00e9rents abonnements sont alors identifi\u00e9s. Les utilisateurs et l\u2019\u00e9quipe d\u2019Origame disposent d\u2019une visualisation claire et peuvent r\u00e9aliser un audit mettant en lumi\u00e8re les hausses de tarif ainsi que les alternatives moins on\u00e9reuses.<span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-10345 size-full\" src=\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/SC-Origame.png\" alt=\"\" width=\"1216\" height=\"657\" srcset=\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/SC-Origame.png 1216w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/SC-Origame-300x162.png 300w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/SC-Origame-1024x553.png 1024w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/SC-Origame-768x415.png 768w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/SC-Origame-410x222.png 410w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/SC-Origame-670x363.png 670w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/SC-Origame-384x208.png 384w\" sizes=\"auto, (max-width: 1216px) 100vw, 1216px\" \/><\/p>\n<p>&nbsp;<\/p>\n<blockquote><p><i><span style=\"font-weight: 400;\">\u00ab Nous avons \u00e9t\u00e9 s\u00e9duits par la couverture bancaire en France et en Europe ainsi que les retours tr\u00e8s positifs d\u2019autres acteurs B2C de la fintech qui ont recours aux solutions de Powens. Le fit humain avec les \u00e9quipes nous a \u00e9galement convaincus. \u00bb<br \/>\n<\/span><\/i><strong><a href=\"https:\/\/www.linkedin.com\/in\/hugosalard\/\" target=\"_blank\" rel=\"noopener\">Hugo Salard<\/a>, co-fondateur et CEO<\/strong><\/p><\/blockquote>\n<h2><span style=\"font-weight: 400;\"><br \/>\nLes r\u00e9sultats\u00a0<\/span><\/h2>\n<p><i><span style=\"font-weight: 400;\">Chiffres juillet 2022<\/span><\/i><\/p>\n<ol>\n<li><strong>35 000<\/strong> utilisateurs inscrits<\/li>\n<li><strong>40%<\/strong> des utilisateurs utilisent la synchronisation bancaire<\/li>\n<li><strong>600\u20ac<\/strong> d\u2019\u00e9conomies en moyenne par utilisateur actif et par an sur ses charges fixes<br \/>\n<strong>650 000\u20ac<\/strong> d\u2019\u00e9conomies au total depuis le lancement<\/li>\n<\/ol>\n<p>Origame a d\u00e9sormais pour objectif d\u2019atteindre 500 000 utilisateurs d\u2019ici 3 ans tout en augmentant le panier moyen d\u2019\u00e9conomies. La start-up enrichit son offre en incluant d\u00e8s septembre 2022 l\u2019assurance habitation, l\u2019assurance auto-moto, les contrats de pr\u00e9voyance, les mutuelles et l\u2019assurance emprunteur.<\/p>\n<p>Origame pr\u00e9voit d&rsquo;int\u00e9grer d&rsquo;autres produits Powens dans les mois \u00e0 venir afin d\u2019optimiser davantage le service.<\/p>\n<p>Autre projet de taille: le d\u00e9but de l\u2019europ\u00e9anisation d\u00e8s 2023. Origame d\u00e9marrera par le d\u00e9ploiement de son activit\u00e9 en Espagne, toujours en s\u2019appuyant sur les connecteurs que d\u00e9ploie Powens.<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p><span style=\"font-weight: 400;\"><em>Un des t\u00e9moignages re\u00e7us par l\u2019\u00e9quipe est celle d\u2019une m\u00e8re de famille qui a pu acc\u00e9l\u00e9rer son projet de voyage au Japon avec ses 3 enfants. Avec Origame, elle a \u00e9conomis\u00e9 l\u2019\u00e9quivalent de 2 ans d\u2019\u00e9pargne en moins d\u2019un an.<\/em><br \/>\n<strong><a href=\"https:\/\/www.linkedin.com\/in\/hugosalard\/\" target=\"_blank\" rel=\"noopener\">Hugo Salard<\/a>, co-fondateur et CEO<\/strong><\/span><i><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/i><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Vous souhaitez exploiter le potentiel de l\u2019Open Finance ?<br \/>\n<\/span><a href=\"\/fr\/contactez-nous\/\"><span style=\"font-weight: 400;\">Programmez une d\u00e9mo<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Face \u00e0 l\u2019essor de l\u2019\u00e9conomie de l\u2019abonnement, Origame s\u2019est donn\u00e9 pour mission de garantir la s\u00e9r\u00e9nit\u00e9 financi\u00e8re et administrative des particuliers. La start-up propose une application de gestion des abonnements, \u00e0 mi-chemin entre une application de gestion de budget et un assistant administratif virtuel. Pour l\u2019\u00e9tape cruciale du parcours utilisateur, elle a fait le choix des technologies Open Banking de Powens.<\/p>\n","protected":false},"author":25,"featured_media":10345,"template":"","class_list":["post-10302","customerstories","type-customerstories","status-publish","has-post-thumbnail","hentry"],"acf":{"logo":10327,"company_link":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Origame : L\u2019Open Banking pour g\u00e9rer et optimiser efficacement les abonnements des particuliers - Powens<\/title>\n<meta name=\"description\" content=\"Origame propose une application de gestion des abonnements. 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