{"id":12264,"date":"2023-01-24T12:16:12","date_gmt":"2023-01-24T11:16:12","guid":{"rendered":"https:\/\/www.powens.com\/?p=12264"},"modified":"2023-03-24T11:15:11","modified_gmt":"2023-03-24T10:15:11","slug":"qu-est-ce-que-l-open-banking","status":"publish","type":"post","link":"https:\/\/www.powens.com\/fr\/blog\/qu-est-ce-que-l-open-banking\/","title":{"rendered":"Qu\u2019est ce que l\u2019Open Banking ?"},"content":{"rendered":"<h2><b>D\u00e9finition de <\/b><span style=\"color: #1eb1f0;\">l&rsquo;Open Banking<\/span><\/h2>\n<p><strong><span data-slate-object=\"text\" data-key=\"2150\">L&rsquo;<\/span><span data-slate-object=\"text\" data-key=\"2151\"><span class=\"id_5ce070bd-fa29-4360-b9ed-f1adae862e3b-117\" data-slate-object=\"mark\" data-info=\"noeud\"><span class=\"id_5ce070bd-fa29-4360-b9ed-f1adae862e3b-118\" data-slate-object=\"mark\" data-info=\"noeud\">Open Banking<\/span><\/span><\/span><span data-slate-object=\"text\" data-key=\"2152\"> est un syst\u00e8me permettant d\u2019acc\u00e9der \u00e0 certaines donn\u00e9es financi\u00e8res et de les partager <\/span><span data-slate-object=\"text\" data-key=\"2153\"><span class=\"id_5ce070bd-fa29-4360-b9ed-f1adae862e3b-119\" data-slate-object=\"mark\" data-info=\"noeud\">via<\/span><\/span><span data-slate-object=\"text\" data-key=\"2154\" data-slate-fragment=\"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\"> un acc\u00e8s s\u00e9curis\u00e9 entre diff\u00e9rentes parties, dans le but d&rsquo;offrir aux particuliers et aux professionnels un plus grand choix de services financiers personnalis\u00e9s.<\/span><\/strong><\/p>\n<p><span data-slate-object=\"text\" data-key=\"2333\"><span class=\"id_1b951c2c-2cd2-4a97-bc0b-b93df2cdc39b-94\" data-slate-object=\"mark\" data-info=\"noeud\">Ces<\/span><\/span> <span data-slate-object=\"text\" data-key=\"2335\"><span class=\"id_1b951c2c-2cd2-4a97-bc0b-b93df2cdc39b-95\" data-slate-object=\"mark\" data-info=\"noeud\"><span class=\"id_1b951c2c-2cd2-4a97-bc0b-b93df2cdc39b-96\" data-slate-object=\"mark\" data-info=\"noeud\">donn\u00e9es<\/span><\/span><\/span><span data-slate-object=\"text\" data-key=\"2336\"> circulent entre diff\u00e9rentes parties telles que les banques, les institutions financi\u00e8res telles que les \u00e9tablissements de cr\u00e9dit ou encore les <\/span><span data-slate-object=\"text\" data-key=\"2337\"><span class=\"id_1b951c2c-2cd2-4a97-bc0b-b93df2cdc39b-97\" data-slate-object=\"mark\" data-info=\"noeud\"><span class=\"id_1b951c2c-2cd2-4a97-bc0b-b93df2cdc39b-98\" data-slate-object=\"mark\" data-info=\"noeud\">fintechs<\/span><\/span><\/span><span data-slate-object=\"text\" data-key=\"2338\">, <\/span><span data-slate-object=\"text\" data-key=\"2339\"><span class=\"id_1b951c2c-2cd2-4a97-bc0b-b93df2cdc39b-99\" data-slate-object=\"mark\" data-info=\"noeud\">via<\/span><\/span><span data-slate-object=\"text\" data-key=\"2340\" data-slate-fragment=\"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\"> des interfaces de programmation d&rsquo;applications (API) s\u00e9curis\u00e9es.<\/span><\/p>\n<p>L&rsquo;acc\u00e8s aux donn\u00e9es des comptes courants (soldes et transactions), toujours avec le consentement syst\u00e9matique du client, est rendu possible par l&rsquo;Open Banking et permet notamment :<\/p>\n<ul>\n<li aria-level=\"1\">D\u2019utiliser l&rsquo;information financi\u00e8re pour offrir des services qui aident les clients dans leurs choix d&rsquo;affaires, d&rsquo;investissement, de financement ou de d\u00e9penses ;<\/li>\n<li aria-level=\"1\">De cr\u00e9er de nouvelles exp\u00e9riences de recouvrement et de paiement, int\u00e9gr\u00e9es \u00e0 des outils de gestion pour gagner du temps et minimiser les risques \u00e0 faible co\u00fbt.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>La directive <span style=\"color: #1eb1f0;\">DSP2<\/span><\/h2>\n<p>L&rsquo;Open Banking est le r\u00e9sultat de la DSP2, la directive sur les paiements num\u00e9riques promulgu\u00e9e par le Parlement europ\u00e9en en 2015 et officiellement active dans les pays de l\u2019Union Europ\u00e9enne depuis 2018.<\/p>\n<p>Cette l\u00e9gislation a \u00e9t\u00e9 \u00e9labor\u00e9e dans le but d&rsquo;encourager la cr\u00e9ation et l&rsquo;adoption de syst\u00e8mes de paiement innovants en exigeant des banques qu&rsquo;elles mettent leurs API et les donn\u00e9es de leurs clients \u00e0 la disposition de tiers avec leur consentement pr\u00e9alable.<\/p>\n<p>Cela permet aux clients des banques, qu&rsquo;il s&rsquo;agisse de particuliers ou d&rsquo;entreprises, de faire appel \u00e0 des fournisseurs non bancaires (ou op\u00e9rateurs tiers) pour g\u00e9rer leurs finances et leurs op\u00e9rations de paiement, et d&rsquo;acc\u00e9der aux informations relatives \u00e0 leurs comptes, m\u00eame s&rsquo;ils sont domicili\u00e9s dans des banques diff\u00e9rentes.<\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #1eb1f0;\">Pourquoi l&rsquo;Open Banking<\/span> est une r\u00e9volution ?<\/h2>\n<p>Nombreux sont ceux qui appr\u00e9cient une approche conservatrice en mati\u00e8re de finance. Cependant, la situation a surtout profit\u00e9 aux grandes banques et non aux consommateurs. Il n&rsquo;y avait pas de place pour l&rsquo;innovation dans le secteur bancaire.<\/p>\n<p>L\u2019open Banking est une bouff\u00e9e d&rsquo;air frais par rapport \u00e0 la banque traditionnelle. Elle ouvre la voie aux innovations n\u00e9cessaires au secteur financier et la sort de son inertie.<\/p>\n<p>Voici les principales raisons pour lesquelles nous avons besoin d&rsquo;un syst\u00e8me bancaire ouvert :<\/p>\n<ul>\n<li aria-level=\"1\"><strong>L&rsquo;Open Banking renforce la concurrence entre les banques et les incite \u00e0 proposer de meilleurs produits et services \u00e0 un meilleur prix ;<\/strong><\/li>\n<li aria-level=\"1\"><strong>Elle permet de ne plus se focaliser sur la g\u00e9n\u00e9ration de fonds pour les banques, mais sur l&rsquo;am\u00e9lioration de l&rsquo;exp\u00e9rience client ;<\/strong><\/li>\n<li aria-level=\"1\"><strong>L&rsquo;Open Banking laisse d\u2019avantage de place \u00e0 l&rsquo;innovation et encourage les entreprises \u00e0 trouver des solutions \u00e0 des probl\u00e8mes qui ne pouvaient pas \u00eatre r\u00e9solus jusqu\u2019ici.<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 class=\"header__title\"><b><span style=\"color: #1eb1f0;\">Pr\u00eat pour booster votre activit\u00e9<\/span> avec la puissance de l&rsquo;Open Finance ?<\/b><\/h2>\n<div class=\"header__description\">\n<p><strong><a href=\"https:\/\/www.powens.com\/fr\/contactez-nous\/\">Contactez nous <\/a><\/strong>d\u00e8s aujourd&rsquo;hui pour pour organiser une d\u00e9mo sur nos produits et services d\u2019Open Finance.<\/p>\n<\/div>\n<p>[hubspot type=\u00a0\u00bbform\u00a0\u00bb portal=\u00a0\u00bb4749297&Prime; id=\u00a0\u00bb3bb7b35b-faae-446b-b93f-13c9c1877aaa\u00a0\u00bb]<\/p>\n<h2><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9finition de l&rsquo;Open Banking L&rsquo;Open Banking est un syst\u00e8me permettant d\u2019acc\u00e9der \u00e0 certaines donn\u00e9es financi\u00e8res et de les partager via un acc\u00e8s s\u00e9curis\u00e9 entre diff\u00e9rentes parties, dans le but d&rsquo;offrir aux particuliers et aux professionnels un plus grand choix de services financiers personnalis\u00e9s. Ces donn\u00e9es circulent entre diff\u00e9rentes parties telles que les banques, les institutions [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":12285,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[34,35,32,45,55],"tags":[],"class_list":["post-12264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-api-fr","category-dsp2-fr","category-open-banking-fr","category-powens-fr","category-powens-fr-2"],"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>Qu\u2019est ce que l\u2019Open Banking ? - Powens<\/title>\n<meta name=\"description\" content=\"L&#039;Open Banking est un syst\u00e8me permettant d\u2019acc\u00e9der \u00e0 certaines donn\u00e9es fianci\u00e8res et de les partager via un acc\u00e8s s\u00e9curis\u00e9 entre diff\u00e9rentes parties au vue d&#039;offrir un plus grand choix de services personnalis\u00e9s.\" \/>\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\/qu-est-ce-que-l-open-banking\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u2019est ce que l\u2019Open Banking ?\" \/>\n<meta property=\"og:description\" content=\"L&#039;Open Banking est un syst\u00e8me permettant d\u2019acc\u00e9der \u00e0 certaines donn\u00e9es fianci\u00e8res et de les partager via un acc\u00e8s s\u00e9curis\u00e9 entre diff\u00e9rentes parties au vue d&#039;offrir un plus grand choix de services personnalis\u00e9s.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.powens.com\/fr\/blog\/qu-est-ce-que-l-open-banking\/\" \/>\n<meta property=\"og:site_name\" content=\"Powens\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-24T11:16:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-24T10:15:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.powens.com\/wp-content\/uploads\/2023\/03\/What-is-Open-Banking-1024x671.jpg\" \/>\n<meta name=\"author\" content=\"Gwendoline Savoy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.powens.com\/wp-content\/uploads\/2023\/03\/Unlock-Instant-Credit-Decisions-1024x671.jpg\" \/>\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\/qu-est-ce-que-l-open-banking\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/qu-est-ce-que-l-open-banking\/\"},\"author\":{\"name\":\"Gwendoline Savoy\",\"@id\":\"https:\/\/www.powens.com\/fr\/#\/schema\/person\/cd6986b968f1f69f594f5810b80d1054\"},\"headline\":\"Qu\u2019est ce que l\u2019Open Banking ?\",\"datePublished\":\"2023-01-24T11:16:12+00:00\",\"dateModified\":\"2023-03-24T10:15:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/qu-est-ce-que-l-open-banking\/\"},\"wordCount\":556,\"publisher\":{\"@id\":\"https:\/\/www.powens.com\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/qu-est-ce-que-l-open-banking\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.powens.com\/wp-content\/uploads\/2023\/03\/What-is-Open-Banking.jpg\",\"articleSection\":[\"API\",\"DSP2\",\"Open Banking\",\"Powens\",\"Powens\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/qu-est-ce-que-l-open-banking\/\",\"url\":\"https:\/\/www.powens.com\/fr\/blog\/qu-est-ce-que-l-open-banking\/\",\"name\":\"Qu\u2019est ce que l\u2019Open Banking ? 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