{"id":12266,"date":"2023-02-02T11:14:03","date_gmt":"2023-02-02T10:14:03","guid":{"rendered":"https:\/\/www.powens.com\/?p=12266"},"modified":"2023-03-27T17:04:49","modified_gmt":"2023-03-27T15:04:49","slug":"de-lopen-banking-a-lopen-finance","status":"publish","type":"post","link":"https:\/\/www.powens.com\/fr\/blog\/de-lopen-banking-a-lopen-finance\/","title":{"rendered":"De l\u2019Open Banking \u00e0 l\u2019Open Finance"},"content":{"rendered":"<h2><b>Un univers <\/b><span style=\"color: #1eb1f0;\">d&rsquo;opportunit\u00e9s enrichi<br \/>\n<\/span><\/h2>\n<p><strong>L\u2019Open Banking est une v\u00e9ritable r\u00e9volution \u00e0 la source de nombreuses innovations et de nouveaux business models. Gr\u00e2ce \u00e0 l\u2019ouverture des donn\u00e9es bancaires et l&rsquo;acc\u00e9l\u00e9ration des flux de donn\u00e9es encourag\u00e9es par la l\u00e9gislation europ\u00e9enne, l\u2019Open Banking bouscule le paysage financier.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>Qu&rsquo;est ce que favorive<span style=\"color: #1eb1f0;\"><b> l\u2019Open Banking ?<\/b><\/span><\/h2>\n<p>Permettant l\u2019agr\u00e9gation de donn\u00e9es bancaires (AIS &#8211; Aggregation Information Services) et les paiements plus efficients et plus s\u00fbrs (PIS, Payment Initiation Services), l\u2019Open Banking en favorise :<\/p>\n<ul>\n<li aria-level=\"1\">La transparence des donn\u00e9es<\/li>\n<li aria-level=\"1\">Un meilleur acc\u00e8s aux services financiers<\/li>\n<li aria-level=\"1\">De meilleures relations avec les clients,<\/li>\n<li aria-level=\"1\">La possibilit\u00e9 pour les institutions financi\u00e8res d&rsquo;am\u00e9liorer leur infrastructure num\u00e9rique<\/li>\n<li aria-level=\"1\">L\u2019\u00e9mergence de nouveaux produits, services et acteurs<\/li>\n<\/ul>\n<p>En parall\u00e8le des institutions financi\u00e8res, de plus en plus d\u2019acteurs non-bancaires proposent des produits et services financiers, tels que des moyens de paiement ou des offres de pr\u00eat. Il s\u2019agit \u00e0 la fois de fintechs mais aussi de retailers comme Carrefour qui a fond\u00e9 sa plateforme de paiement Market Pay, ou encore d\u2019industriels, \u00e0 l\u2019image d\u2019Apple qui s\u2019est lanc\u00e9 en juin 2022 dans le paiement fractionn\u00e9 (BNPL).<\/p>\n<p>Avec l\u2019accord de l\u2019utilisateur et \u00e0 travers l\u2019utilisation d\u2019API (interfaces de connexion) les donn\u00e9es sont \u00e9chang\u00e9es entre les institutions financi\u00e8res et leurs clients, mais \u00e9galement des tiers tels que les fintechs.<\/p>\n<p>Pour tous les acteurs, s\u2019appuyer sur les expertises de tiers est b\u00e9n\u00e9fique. Ce type de collaboration permet de proposer des offres de services plus \u00e9tendus qui g\u00e9n\u00e8rent plus d&rsquo;activit\u00e9s et plus de r\u00e9sultats pour toutes les parties prenantes. De meilleures exp\u00e9riences clients viennent de paire. Il s&rsquo;agit d&rsquo;un sc\u00e9nario fonci\u00e8rement gagnant-gagnant-gagnant.<\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #1eb1f0;\">Open Banking :<\/span> un scope de donn\u00e9es insuffisant<\/h2>\n<p>Toutefois, les donn\u00e9es couvertes par la DSP2, en provenance des comptes courants, limitent le champ d\u2019action. En tant qu\u2019experts de l\u2019agr\u00e9gation de donn\u00e9es financi\u00e8res, nous avons fait le constat chez Powens que parmi les 2,7 millions de comptes synchronis\u00e9s par les utilisateurs des entreprises utilisant nos technologies, 60% sont des comptes non-compris dans le p\u00e9rim\u00e8tre de la directive DSP2 !<\/p>\n<p>Il s\u2019agit de comptes patrimoniaux tels que les contrats d\u2019assurance vie, les comptes titres, les PEA, les contrats de retraite et d\u2019\u00e9pargne salariale, ou encore des crypto-actifs.<\/p>\n<p>Pour aller plus loin, se pose la question de l\u2019ouverture de l\u2019ensemble des donn\u00e9es financi\u00e8res. Cette \u00e9volution permettrait une d\u00e9multiplication des innovations en termes de services \u00e0 valeur ajout\u00e9e. C\u2019est pourquoi nous ne parlons plus uniquement d\u2019Open Banking mais d\u2019Open Finance.<\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"header__title\"><b><span style=\"color: #1eb1f0;\">L&rsquo;Open Finance :<\/span> un spectre bien plus large que l&rsquo;Open Banking<\/b><\/h2>\n<p>L&rsquo;Open Finance permet d&rsquo;\u00e9tendre les principes d&rsquo;acc\u00e8s par des tiers de l&rsquo;Open Banking \u00e0 un ensemble plus large de produits financiers. Elle s&rsquo;inscrit dans une tendance mondiale \u00e0 l&rsquo;ouverture et \u00e0 la portabilit\u00e9 des donn\u00e9es. Elle permettra une int\u00e9gration plus large dans les industries non financi\u00e8res, y compris dans des secteurs tels que la sant\u00e9, le commerce de d\u00e9tail et l&rsquo;administration publique, et \u00e9largira l&rsquo;\u00e9ventail des tiers qui pourront entrer en concurrence ou servir d&rsquo;interm\u00e9diaires dans les relations financi\u00e8res.<\/p>\n<p>Couvrant un spectre bien plus large que l\u2019Open Banking, l\u2019Open Finance offre aux fournisseurs de services financiers, et au-del\u00e0, plus d\u2019opportunit\u00e9s d\u2019innover et de concevoir de nouveaux services, en se basant sur davantage de types de donn\u00e9es. Par exemple, un fournisseur de services financiers peut offrir \u00e0 des particuliers comme \u00e0 des professionnels et des entreprises une vue consolid\u00e9e de l\u2019ensemble de leurs actifs financiers. Ainsi, il peut prodiguer des conseils en gestion de patrimoine ou de tr\u00e9sorerie. Un organisme de cr\u00e9dit peut adresser des offres plus rapidement et \u00e0 de meilleures conditions, car les d\u00e9cisions sont bas\u00e9es sur davantage de donn\u00e9es, donnant une meilleure vision de la sant\u00e9 financi\u00e8re des emprunteurs. Ce sont donc plus d\u2019opportunit\u00e9s, \u00e0 la fois pour les consommateurs et pour les fournisseurs de services financiers, et plus d\u2019inclusivit\u00e9.<\/p>\n<p>La particularit\u00e9 de Powens est la capacit\u00e9 de capter et de distribuer automatiquement non seulement les donn\u00e9es bancaires issues des comptes courants, mais \u00e9galement les donn\u00e9es financi\u00e8res issues des comptes patrimoniaux, ainsi que des documents inh\u00e9rents \u00e0 la gestion financi\u00e8re des entreprises, aux processus KYC et KYB, ou encore au credit scoring.<\/p>\n<p>Nous d\u00e9finissons l\u2019Open Finance comme l\u2019Open Banking dot\u00e9e de superpouvoirs, qui suralimente les app et fait \u00e9merger des exp\u00e9riences d\u2019embedded finance in\u00e9dites.<\/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>Un univers d&rsquo;opportunit\u00e9s enrichi L\u2019Open Banking est une v\u00e9ritable r\u00e9volution \u00e0 la source de nombreuses innovations et de nouveaux business models. Gr\u00e2ce \u00e0 l\u2019ouverture des donn\u00e9es bancaires et l&rsquo;acc\u00e9l\u00e9ration des flux de donn\u00e9es encourag\u00e9es par la l\u00e9gislation europ\u00e9enne, l\u2019Open Banking bouscule le paysage financier. &nbsp; &nbsp; Qu&rsquo;est ce que favorive l\u2019Open Banking ? Permettant l\u2019agr\u00e9gation [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":12281,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[34,35,32,36,45],"tags":[],"class_list":["post-12266","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-api-fr","category-dsp2-fr","category-open-banking-fr","category-open-finance-fr","category-powens-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 \u00e0 l\u2019Open Finance - Powens<\/title>\n<meta name=\"description\" content=\"Nous d\u00e9finissons l\u2019Open Finance comme l\u2019Open Banking dot\u00e9e de superpouvoirs, qui suralimente les app et fait \u00e9merger des exp\u00e9riences d\u2019embedded finance in\u00e9dites.\" \/>\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\/de-lopen-banking-a-lopen-finance\/\" \/>\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 \u00e0 l\u2019Open Finance\" \/>\n<meta property=\"og:description\" content=\"Nous d\u00e9finissons l\u2019Open Finance comme l\u2019Open Banking dot\u00e9e de superpouvoirs, qui suralimente les app et fait \u00e9merger des exp\u00e9riences d\u2019embedded finance in\u00e9dites.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.powens.com\/fr\/blog\/de-lopen-banking-a-lopen-finance\/\" \/>\n<meta property=\"og:site_name\" content=\"Powens\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-02T10:14:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-27T15:04:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.powens.com\/wp-content\/uploads\/2023\/03\/From-Open-Banking-to-Open-Finance-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1499\" \/>\n\t<meta property=\"og:image:height\" content=\"982\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"4 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\/de-lopen-banking-a-lopen-finance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/de-lopen-banking-a-lopen-finance\/\"},\"author\":{\"name\":\"Gwendoline Savoy\",\"@id\":\"https:\/\/www.powens.com\/fr\/#\/schema\/person\/cd6986b968f1f69f594f5810b80d1054\"},\"headline\":\"De l\u2019Open Banking \u00e0 l\u2019Open Finance\",\"datePublished\":\"2023-02-02T10:14:03+00:00\",\"dateModified\":\"2023-03-27T15:04:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/de-lopen-banking-a-lopen-finance\/\"},\"wordCount\":857,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.powens.com\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/de-lopen-banking-a-lopen-finance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.powens.com\/wp-content\/uploads\/2023\/03\/From-Open-Banking-to-Open-Finance-1.jpg\",\"articleSection\":[\"API\",\"DSP2\",\"Open Banking\",\"Open Finance\",\"Powens\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.powens.com\/fr\/blog\/de-lopen-banking-a-lopen-finance\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/de-lopen-banking-a-lopen-finance\/\",\"url\":\"https:\/\/www.powens.com\/fr\/blog\/de-lopen-banking-a-lopen-finance\/\",\"name\":\"De l\u2019Open Banking \u00e0 l\u2019Open Finance - 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