{"id":10429,"date":"2023-01-09T08:02:18","date_gmt":"2023-01-09T07:02:18","guid":{"rendered":"https:\/\/www.powens.com\/?p=10429"},"modified":"2023-01-09T18:29:53","modified_gmt":"2023-01-09T17:29:53","slug":"open-banking-open-finance-futur-groupes-bancaires-assurances","status":"publish","type":"post","link":"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/","title":{"rendered":"De l\u2019Open Banking vers l\u2019Open Finance : quel futur pour les groupes bancaires et les assurances ?"},"content":{"rendered":"<p><b>L\u2019Open Banking a largement boulevers\u00e9 le monde des services financiers, faisant \u00e9merger des exp\u00e9riences nouvelles et r\u00e9volutionnaires. Et voil\u00e0 que depuis un certain temps, nous observons son \u00e9volution vers l\u2019Open Finance. Avec un p\u00e9rim\u00e8tre bien plus \u00e9tendu, les donn\u00e9es comprises dans le cadre de l\u2019Open Finance sont une ressource essentielle pour tous les fournisseurs de services financiers. Naturellement, les groupes bancaires et les assurances ont eux aussi tout int\u00e9r\u00eat \u00e0 exploiter le potentiel de ces donn\u00e9es.<\/b><\/p>\n<p>Ayant tr\u00e8s vite saisi les opportunit\u00e9s qu\u2019offre l\u2019ouverture des donn\u00e9es financi\u00e8res, de nombreux nouveaux acteurs ont cr\u00e9\u00e9 des services qui am\u00e9liorent la gestion des finances des entreprises et des particuliers, acc\u00e9l\u00e8rent les parcours de paiement, facilitent grandement le credit scoring, et plus encore.<br \/>\nSans oublier que le l\u00e9gislateur donne plus de pouvoir aux consommateurs, comme nous l\u2019a par exemple montr\u00e9 la Loi Lemoine. Institutions financi\u00e8res et assurances, il est plus que temps que vous aussi d\u2019innover et de r\u00e9inventeriez les exp\u00e9riences que vous proposez !<\/p>\n<h2><b>\u00a0<\/b><\/h2>\n<h2>L\u2019immense potentiel qu\u2019offre l\u2019Open Finance pour concevoir les exp\u00e9riences les plus convaincantes<\/h2>\n<p>Vous devez \u00eatre conscients que le monopole sur les donn\u00e9es des clients n\u2019existe plus. L\u2019av\u00e8nement de l\u2019Open Banking, port\u00e9e par la DSP2 a clairement chang\u00e9 les r\u00e8gles du jeu. Ce terrain s\u2019\u00e9largit avec l\u2019int\u00e9gration des donn\u00e9es des comptes d\u2019\u00e9pargne et d\u2019investissement, qui feront bient\u00f4t l\u2019objet de la DSP3 ou d\u2019un texte d\u2019une autre forme. <b>Nous parlons ainsi d\u00e9sormais d\u2019Open Finance.<\/b> \u00c0 noter que la valeur \u00e9conomique de ce march\u00e9 devrait atteindre <b>7000 milliards de dollars d&rsquo;ici 2030*<\/b>!<\/p>\n<p>Pour autant, cette \u00e9volution du march\u00e9 ouvre les institutions et leurs clients et prospects \u00e0 des opportunit\u00e9s d\u2019innovation et de cr\u00e9ation de valeur. Nous pouvons m\u00eame dire que saisir ces opportunit\u00e9s offertes par l\u2019Open Finance est devenu incontournable.<\/p>\n<p>Savez-vous qu\u2019aujourd\u2019hui, <b>les utilisateurs n\u2019h\u00e9sitent plus \u00e0 souscrire aux services financiers d\u2019autres acteurs<\/b>, y compris les fintechs ? Les n\u00e9o-banques, n\u00e9o-assurances et de nombreux autres nouveaux entrants gagnent leur confiance.<\/p>\n<p>Si nous prenons l\u2019exemple du financement, des acteurs comme <a href=\"https:\/\/www.powens.com\/fr\/customer-stories\/finfrog\/\">Finfrog<\/a> ou encore <a href=\"https:\/\/www.powens.com\/fr\/customer-stories\/riverbank\/\">RiverBank<\/a> se d\u00e9marquent. La premi\u00e8re en accordant des micro-cr\u00e9dits en 24 heures aux particuliers, et la seconde en accordant des pr\u00eats instantat\u00e9s aux TPE-PME. Comment parviennent-ils \u00e0 proposer ces exp\u00e9riences ? <b>En exploitant le potentiel de l\u2019Open Finance. <\/b>Ces nouveaux champions s\u2019appuient sur des donn\u00e9es financi\u00e8res pour <b>concevoir des applications qui r\u00e9pondent \u00e0 de vrais besoins<\/b>, avec une simplicit\u00e9 et une rapidit\u00e9 d\u00e9concertante.<\/p>\n<p>&nbsp;<\/p>\n<h2>Laissez-vous guider par notre livre blanc<\/h2>\n<p><b>Dans le livre blanc intitul\u00e9 \u201c L\u2019Open Banking dot\u00e9e de superpouvoirs &#8211; Cr\u00e9ez des exp\u00e9riences d&#8217;embedded finance et de paiement uniques\u201d<\/b>, nous vous expliquons comment des acteurs tels que Finfrog et RiverBank sont parvenus au succ\u00e8s, pour que vous puissiez \u00e0 votre tour offrir les applications qui vont \u00e0 coup s\u00fbr s\u00e9duire vos utilisateurs.<\/p>\n<p>Nous d\u00e9finissons en effet l\u2019Open Finance comme l\u2019addition de l\u2019Open Banking et de superpouvoirs qui boostent les applications (B2C comme B2B, tous devices confondus).<\/p>\n<p>Vous y retrouverez :<\/p>\n<ul>\n<li aria-level=\"1\"><b>Des informations cl\u00e9s sur l\u2019\u00e9volution de l\u2019\u00e9cosyst\u00e8me Open Finance<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Les ingr\u00e9dients d\u2019une application performante<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Notre s\u00e9lection de cinq cas d\u2019usage B2C et B2B<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>* Rapport \u00ab\u00a0The future of Open Banking &amp; Open Finance &#8211; Mega trends 2022\u00a0\u00bb, Open Banking Excellence<\/p>\n<p>&nbsp;<\/p>\n<h2>T\u00e9l\u00e9chargez notre livre blanc<\/h2>\n<p>L&rsquo;Open Banking, oui, mais connaissez-vous l&rsquo;Open Banking dot\u00e9 de superpouvoirs ? Quels cas d&rsquo;usage innovants alimente-t-il ?<br \/>\n\u00c0 travers des donn\u00e9es chiffr\u00e9es et 5 exemples concrets, d\u00e9couvrez comment cr\u00e9er les exp\u00e9riences d&#8217;embedded finance et de paiement que les utilisateurs vont adorer.<\/p>\n<p>[hubspot type=\u00a0\u00bbform\u00a0\u00bb portal=\u00a0\u00bb4749297&Prime; id=\u00a0\u00bb09bc7106-3236-4538-842c-85a1dadcb17f\u00a0\u00bb]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019Open Banking a largement boulevers\u00e9 le monde des services financiers, faisant \u00e9merger des exp\u00e9riences nouvelles et r\u00e9volutionnaires. Et voil\u00e0 que depuis un certain temps, nous observons son \u00e9volution vers l\u2019Open Finance. Avec un p\u00e9rim\u00e8tre bien plus \u00e9tendu, les donn\u00e9es comprises dans le cadre de l\u2019Open Finance sont une ressource essentielle pour tous les fournisseurs de [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":10434,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[35,32,36],"tags":[],"class_list":["post-10429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dsp2-fr","category-open-banking-fr","category-open-finance-fr"],"acf":[],"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>De l\u2019Open Banking vers l\u2019Open Finance : quel futur pour les groupes bancaires et les assurances ? - Powens<\/title>\n<meta name=\"description\" content=\"L\u2019Open Banking a boulevers\u00e9 le monde des services financiers, faisant \u00e9merger des exp\u00e9riences nouvelles et r\u00e9volutionnaires.\" \/>\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\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"De l\u2019Open Banking vers l\u2019Open Finance : quel futur pour les groupes bancaires et les assurances ?\" \/>\n<meta property=\"og:description\" content=\"L\u2019Open Banking a boulevers\u00e9 le monde des services financiers, faisant \u00e9merger des exp\u00e9riences nouvelles et r\u00e9volutionnaires.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/\" \/>\n<meta property=\"og:site_name\" content=\"Powens\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-09T07:02:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-09T17:29:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/White-Paper-HD-FR-1024x683.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Gwendoline Savoy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Powens_eu\" \/>\n<meta name=\"twitter:site\" content=\"@Powens_eu\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gwendoline Savoy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/\"},\"author\":{\"name\":\"Gwendoline Savoy\",\"@id\":\"https:\/\/www.powens.com\/fr\/#\/schema\/person\/cd6986b968f1f69f594f5810b80d1054\"},\"headline\":\"De l\u2019Open Banking vers l\u2019Open Finance : quel futur pour les groupes bancaires et les assurances ?\",\"datePublished\":\"2023-01-09T07:02:18+00:00\",\"dateModified\":\"2023-01-09T17:29:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/\"},\"wordCount\":688,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.powens.com\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/11\/White-Paper-HD-FR.png\",\"articleSection\":[\"DSP2\",\"Open Banking\",\"Open Finance\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/\",\"url\":\"https:\/\/www.powens.com\/fr\/blog\/open-banking-open-finance-futur-groupes-bancaires-assurances\/\",\"name\":\"De l\u2019Open Banking vers l\u2019Open Finance : quel futur pour les groupes bancaires et les assurances ? 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