{"id":5393,"date":"2022-10-18T13:26:30","date_gmt":"2022-10-18T11:26:30","guid":{"rendered":"https:\/\/www.powens.com\/?post_type=customerstories&#038;p=5393"},"modified":"2024-11-29T12:49:03","modified_gmt":"2024-11-29T11:49:03","slug":"lydia","status":"publish","type":"customerstories","link":"https:\/\/www.powens.com\/fr\/customer-stories\/lydia\/","title":{"rendered":"Lydia r\u00e9volutionne les parcours bancaires gr\u00e2ce \u00e0 Bank et Pay"},"content":{"rendered":"<p><strong>En 2013, Cyril Chiche et Antoine Porte lancent <a href=\"https:\/\/www.lydia-app.com\/\" target=\"_blank\" rel=\"noopener\">Lydia<\/a>, pour simplifier les remboursements entre amis. Depuis, l\u2019entreprise est devenue une super-app financi\u00e8re, utilis\u00e9e par plus de 5 millions de personnes. Powens contribue \u00e0 son d\u00e9veloppement avec son API, notamment ses produits Bank et Pay.\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Le besoin : <\/span><strong>simplifier et acc\u00e9l\u00e9rer<\/strong><span style=\"font-weight: 400;\"> les parcours bancaires<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Les probl\u00e9matiques des utilisateurs de Lydia sont principalement li\u00e9es \u00e0 la <\/span><strong>complexit\u00e9 des parcours bancaires et \u00e0 leur lenteur<\/strong><span style=\"font-weight: 400;\">. Avant Lydia, une action aussi simple qu\u2019un remboursement entre amis s\u2019av\u00e9rait complexe. Il fallait avoir des esp\u00e8ces sur soi ou demander le RIB du b\u00e9n\u00e9ficiaire pour lui faire un virement. Pour cette deuxi\u00e8me option, plusieurs jours s\u2019\u00e9coulaient entre le paiement et son remboursement.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Le <\/span><strong>remboursement entre amis<\/strong> <span style=\"font-weight: 400;\">a \u00e9t\u00e9 le premier cas d\u2019usage de Lydia : un paiement 100 % en ligne et instantan\u00e9, simplement avec le num\u00e9ro de t\u00e9l\u00e9phone. L\u2019application a progress\u00e9 tr\u00e8s rapidement via le bouche \u00e0 oreille, notamment sur les campus \u00e9tudiants. Une communaut\u00e9 d\u2019utilisateurs s\u2019est form\u00e9e et a naturellement promu le paiement peer-to-peer de Lydia.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D\u00e9sormais, Lydia propose<\/span><b> t<\/b><strong>ous les services essentiels \u00e0 la gestion de son argent<\/strong> <span style=\"font-weight: 400;\">: carte de paiement, compte courant, <a href=\"https:\/\/www.lydia-app.com\/fonctionnalites\/comptes\/communs\/\">compte commun<\/a>, \u00e9pargne r\u00e9mun\u00e9r\u00e9e, pr\u00eat express, paiement mobile et trading. <\/span><strong>Pour d\u00e9velopper ses services, l\u2019entreprise s\u2019est appuy\u00e9e sur l\u2019API de Powens.\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">La solution : <\/span><strong>l\u2019agr\u00e9gation bancaire et l\u2019initiation de paiement<\/strong> <span style=\"font-weight: 400;\">pour des services financiers complets, dans la poche<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Lydia utilise deux produits de Powens : Bank et Pay :\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong><a href=\"\/products\/pay\/\" target=\"_blank\" rel=\"noopener\">Pay<\/a><\/strong><span style=\"font-weight: 400;\"> pour sa solution de paiement peer-to-peer. Avec l\u2019<\/span><strong>initiation de paiement<\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> Lydia permet \u00e0 ses clients d\u2019effectuer des virements en quelques clics, sans avoir \u00e0 se connecter sur le site de leur banque. Avec le virement instantan\u00e9, l\u2019argent est cr\u00e9dit\u00e9 imm\u00e9diatement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong><a href=\"https:\/\/www.powens.com\/products\/bank\/\">Bank<\/a><\/strong><span style=\"font-weight: 400;\"> (<\/span><strong>agr\u00e9gation de comptes<\/strong>) <span style=\"font-weight: 400;\">combin\u00e9 \u00e0 Pay pour ses cartes de paiement. Ses utilisateurs peuvent alimenter instantan\u00e9ment leur compte Lydia depuis n\u2019importe quel compte bancaire, et r\u00e9aliser des paiements mobiles. Ces derniers sont s\u00e9curis\u00e9s et d\u00e9plafonn\u00e9s.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enfin, pour aider ses clients \u00e0 g\u00e9rer leur argent et \u00e0 \u00e9conomiser, Lydia a d\u00e9velopp\u00e9 un service de Personal Finance Management (PFM). Il se base sur l\u2019exploitation de Bank pour donner aux utilisateurs une vision sur l\u2019ensemble de leurs comptes , et proposer des offres de cashback pour \u00e9conomiser.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<blockquote><p><i><span style=\"font-weight: 400;\">\u00ab Gr\u00e2ce \u00e0 l\u2019API de Powens, avec les produits Bank et Pay en particulier, nous donnons \u00e0 nos clients la possibilit\u00e9 d\u2019utiliser leur argent, de le d\u00e9penser et de l\u2019\u00e9pargner comme ils le souhaitent. Notre partenariat avec Powens est align\u00e9 avec notre philosophie de super-app. \u00bb<br \/>\n<\/span><\/i><br \/>\n<strong>Evan Proux, Senior operation manager, Lydia<\/strong><\/p><\/blockquote>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4932 size-full\" src=\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA.jpg\" alt=\"\" width=\"1824\" height=\"988\" srcset=\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA.jpg 1824w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA-300x163.jpg 300w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA-1024x555.jpg 1024w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA-768x416.jpg 768w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA-1536x832.jpg 1536w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA-410x222.jpg 410w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA-670x363.jpg 670w, https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA-384x208.jpg 384w\" sizes=\"auto, (max-width: 1824px) 100vw, 1824px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Les r\u00e9sultats\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Gr\u00e2ce \u00e0 son \u00e9ventail de services financiers, boost\u00e9s par l\u2019API de Powens, Lydia a d\u00e9j\u00e0 conquis plus de 5 millions de clients. En 2022, <\/span><span style=\"font-weight: 400;\">pr\u00e8s de 770 000 <\/span><span style=\"font-weight: 400;\">utilisateurs avaient d\u00e9j\u00e0 connect\u00e9 leur compte via Bank et initi\u00e9 des virements avec Pay.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lydia r\u00e9pond parfaitement aux besoins d\u2019imm\u00e9diatet\u00e9 exprim\u00e9s par les consommateurs. Les services bancaires qu\u2019elle d\u00e9veloppe simplifient radicalement les parcours de paiement et la gestion de budget.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><i><span style=\"font-weight: 400;\">Chiffres : d\u00e9cembre 2021<\/span><\/i><\/p>\n<ol>\n<li><strong>5,5 millions<\/strong> <span style=\"font-weight: 400;\">d\u2019utilisateurs<\/span><\/li>\n<li><strong>1\/3 des 18-35 ans<\/strong> <span style=\"font-weight: 400;\">fran\u00e7ais utilisent Lydia<\/span><\/li>\n<li><strong>225 M\u20ac<\/strong> <span style=\"font-weight: 400;\">lev\u00e9s depuis la cr\u00e9ation de l\u2019entreprise<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Avec sa lev\u00e9e de fonds de 2021, Lydia souhaite embaucher pr\u00e8s de 800 personnes d\u2019ici 2024. Son but ? Devenir, \u00e0 horizon 2025, le compte principal de 10 millions d\u2019Europ\u00e9ens. Cela passera par l\u2019\u00e9largissement de ses offres de cr\u00e9dit et d\u2019investissement, mais aussi par un d\u00e9veloppement plus pouss\u00e9 dans diff\u00e9rents pays europ\u00e9ens.\u00a0<\/span><\/p>\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>En 2013, Cyril Chiche et Antoine Porte lancent Lydia, pour simplifier les remboursements entre amis. Depuis, l\u2019entreprise est devenue une super-app financi\u00e8re, utilis\u00e9e par plus de 5 millions de personnes. Powens contribue \u00e0 son d\u00e9veloppement avec son API, notamment ses produits Bank et Pay.\u00a0<\/p>\n","protected":false},"author":25,"featured_media":4932,"template":"","class_list":["post-5393","customerstories","type-customerstories","status-publish","has-post-thumbnail","hentry"],"acf":{"logo":4867,"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>Lydia r\u00e9volutionne les parcours bancaires gr\u00e2ce \u00e0 Bank et Pay - Powens<\/title>\n<meta name=\"description\" content=\"Powens contribue au d\u00e9veloppement de Lydia avec son API, notamment ses produits Bank et Pay.\u00a0\" \/>\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.powens.com\/fr\/customer-stories\/lydia\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lydia r\u00e9volutionne les parcours bancaires gr\u00e2ce \u00e0 Bank et Pay\" \/>\n<meta property=\"og:description\" content=\"Powens contribue au d\u00e9veloppement de Lydia avec son API, notamment ses produits Bank et Pay.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.powens.com\/fr\/customer-stories\/lydia\/\" \/>\n<meta property=\"og:site_name\" content=\"Powens\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-29T11:49:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/SC-LYDIA.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1824\" \/>\n\t<meta property=\"og:image:height\" content=\"988\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Powens_eu\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.powens.com\/fr\/customer-stories\/lydia\/\",\"url\":\"https:\/\/www.powens.com\/fr\/customer-stories\/lydia\/\",\"name\":\"Lydia r\u00e9volutionne les parcours bancaires gr\u00e2ce \u00e0 Bank et Pay - 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