{"id":21236,"date":"2025-02-06T15:14:57","date_gmt":"2025-02-06T14:14:57","guid":{"rendered":"https:\/\/www.powens.com\/?p=21236"},"modified":"2025-02-06T15:16:22","modified_gmt":"2025-02-06T14:16:22","slug":"open-banking-programmes-cashback-europe","status":"publish","type":"post","link":"https:\/\/www.powens.com\/fr\/blog\/open-banking-programmes-cashback-europe\/","title":{"rendered":"Comment l\u2019Open Banking dynamise les programmes de cashback en Europe"},"content":{"rendered":"<p><strong>Les programmes de cashback se d\u00e9veloppent rapidement en Europe<\/strong>, les consommateurs privil\u00e9giant des avantages financiers imm\u00e9diats plut\u00f4t que des programmes de fid\u00e9lit\u00e9 classiques.<\/p>\n<p>Le march\u00e9 devrait conna\u00eetre une croissance significative, avec des d\u00e9penses passant de<strong> 57 milliards $ en 2023 \u00e0 115 milliards $ d\u2019ici 2029<\/strong>. Cette expansion est port\u00e9e par une forte demande pour des <a href=\"https:\/\/www.powens.com\/fr\/solutions\/par-industrie\/fintech\/\">solutions automatis\u00e9es et simples d\u2019utilisation<\/a>, rendant le cashback plus accessible et attractif.<\/p>\n<p><strong>En France, 48 % des consommateurs utilisent un programme de cashback pour optimiser leur \u00e9pargne<\/strong>. Pour les marques et les acteurs financiers cherchant \u00e0 accro\u00eetre la fid\u00e9lisation client et le volume des transactions, l\u2019Open Banking est un levier strat\u00e9gique : il fluidifie les processus, optimise l\u2019exp\u00e9rience utilisateur et maximise le retour sur investissement.<\/p>\n<p>Nous avons \u00e9chang\u00e9 avec <a href=\"https:\/\/www.linkedin.com\/in\/nicolas-ribeaut-5aa93743\/\">Nicolas Ribeaut<\/a>, Chief Commercial Officer du Groupe Powens, sur l\u2019\u00e9volution du cashback en Europe et les opportunit\u00e9s offertes par l\u2019Open Finance<\/p>\n<p>&nbsp;<\/p>\n<h2>Pourquoi le cashback est-il un march\u00e9 cl\u00e9 pour l\u2019Open Finance ?<\/h2>\n<p>Les entreprises de cashback s\u2019appuient sur l\u2019Open Finance pour acc\u00e9der aux donn\u00e9es transactionnelles des utilisateurs. Cela leur permet d\u2019op\u00e9rer efficacement, de garantir la conformit\u00e9 r\u00e9glementaire et de se d\u00e9velopper \u00e0 grande \u00e9chelle.<\/p>\n<p>Avant la DSP2, les programmes de cashback \u00e9taient principalement propos\u00e9s au sein des banques, par exemple via un remboursement de 1 % sur les factures r\u00e9gl\u00e9es par pr\u00e9l\u00e8vement automatique.<\/p>\n<p>Mais avec la DSP2 imposant l\u2019ouverture des donn\u00e9es bancaires aux fournisseurs tiers, le cashback a \u00e9volu\u00e9 vers de nouveaux mod\u00e8les \u00e9conomiques. Aujourd\u2019hui, les acteurs B2B et B2C exploitent l\u2019Open Finance pour enrichir leurs offres.<\/p>\n<p>Les technologies Open Finance permettent \u00e0 ces entreprises de :<\/p>\n<ul>\n<li>Gagner en scalabilit\u00e9 avec des programmes de cashback plus intelligents<\/li>\n<li>D\u00e9ployer des <a href=\"https:\/\/www.powens.com\/fr\/solutions\/par-industrie\/credit-finance\/\">services avanc\u00e9s comme le BNPL<\/a> (Buy Now, Pay Later)<\/li>\n<li>Assurer leur conformit\u00e9 en s\u2019appuyant sur des infrastructures adapt\u00e9es, souvent via des partenaires comme Powens<\/li>\n<\/ul>\n<p>Dans ce cadre, les entreprises de cashback B2B analysent les donn\u00e9es transactionnelles pour les banques et les fintechs, tandis que les entreprises B2C proposent des applications permettant aux consommateurs de lier leurs comptes bancaires et de gagner du cashback.<\/p>\n<p>L\u2019Open Finance est essentiel pour ces deux mod\u00e8les, en garantissant un acc\u00e8s fluide aux donn\u00e9es financi\u00e8res tout en respectant les normes r\u00e9glementaires.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Vous aimerez lire:<\/strong> <a href=\"https:\/\/www.powens.com\/fr\/blog\/bnpl-open-banking-adopter-ccd2\/\">L\u2019impact de la DCC2 sur les fournisseurs de services BNPL \u2013 et le r\u00f4le cl\u00e9 de l\u2019Open Banking<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>Comment fonctionnent les mod\u00e8les B2B et B2C du cashback ?<\/h2>\n<p>Les entreprises B2C sont les plus connues du grand public. Des acteurs comme <strong><a href=\"https:\/\/www.powens.com\/fr\/customer-stories\/joko\/\">Joko<\/a> et Naomi<\/strong> proposent des applications o\u00f9 l\u2019utilisateur :<\/p>\n<ul>\n<li>Connecte son compte bancaire via une <strong>authentification \u00e0 deux facteurs (2FA)<\/strong><\/li>\n<li>Effectue des achats chez des commer\u00e7ants partenaires<\/li>\n<li>Accumule des r\u00e9compenses convertibles en <strong>cash, cartes cadeaux ou autres avantages<\/strong><\/li>\n<\/ul>\n<p>Ces plateformes s\u2019appuient sur l\u2019analyse des transactions pour identifier les achats \u00e9ligibles et attribuer les r\u00e9compenses.<\/p>\n<p><strong>Les entreprises B2B, elles, n\u2019interagissent pas directement avec les consommateurs<\/strong>. Elles fournissent des moteurs d\u2019analyse aux banques et fintechs, leur permettant de :<\/p>\n<ul>\n<li>Mon\u00e9tiser les donn\u00e9es financi\u00e8res via des offres de cashback<\/li>\n<li>Vendre des insights transactionnels aux marchands partenaires<\/li>\n<\/ul>\n<p>Dans les deux cas, l\u2019Open Banking est un \u00e9l\u00e9ment central, <strong>garantissant l\u2019acc\u00e8s aux donn\u00e9es bancaires et optimisant les strat\u00e9gies de fid\u00e9lisation.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2>Quels sont les d\u00e9fis des programmes de cashback ?<\/h2>\n<ul>\n<li><strong>Acc\u00e8s aux donn\u00e9es et consentement utilisateur<\/strong><br \/>\nTout programme de cashback repose sur l\u2019acc\u00e8s aux donn\u00e9es bancaires. Il est donc crucial d\u2019<strong>optimiser la gestion du consentement utilisateur<\/strong>, notamment face au renouvellement obligatoire apr\u00e8s 180 jours impos\u00e9 par la <a href=\"https:\/\/www.powens.com\/fr\/blog\/nouveau-cadre-legislatif-des-paiements-dsp2-bis-dsp3-ou-veritable-tournant\/\">DSP2<\/a>.<\/li>\n<li><strong>Acquisition et fid\u00e9lisation des utilisateurs<\/strong><br \/>\nL\u2019<strong>acquisition de nouveaux utilisateurs<\/strong> est un co\u00fbt majeur pour ces programmes. Maximiser les taux de conversion et de r\u00e9tention est donc un d\u00e9fi cl\u00e9.<\/li>\n<li><strong>Pr\u00e9vention de la fraude<\/strong><br \/>\nCertains utilisateurs tentent de<strong> manipuler les programmes de cashback<\/strong> via des comptes multiples ou des r\u00e9clamations frauduleuses. Des solutions comme celles de Powens aident \u00e0 r\u00e9duire ces risques en <a href=\"https:\/\/www.powens.com\/fr\/blog\/open-banking-verification-identite-numerique\/\">v\u00e9rifiant l\u2019identit\u00e9<\/a>, les noms et les IBANs.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Pourquoi Powens est le partenaire id\u00e9al pour les programmes de cashback ?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">En tant que <\/span><b>fournisseur <a href=\"https:\/\/www.powens.com\/fr\/blog\/differences-open-banking-embedded-finance-baas\/\">Open Finance<\/a> agr\u00e9\u00e9 et conforme \u00e0 la DSP2<\/b><span style=\"font-weight: 400;\">, Powens accompagne des entreprises comme <\/span><b>Joko, Naomi et Macadam<\/b><span style=\"font-weight: 400;\"> en leur offrant des solutions robustes.<\/span><\/p>\n<h3><b>Maximiser le taux d\u2019inscription<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">92 % de r\u00e9ussite pour les connexions initiales<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">99 % de r\u00e9ussite pour les mises \u00e0 jour de connexion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Actualisation des donn\u00e9es transactionnelles pour une exp\u00e9rience fluide<\/span><\/li>\n<\/ul>\n<h3><b>Couverture europ\u00e9enne \u00e9tendue<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">France, Espagne, Italie, Portugal, Belgique, Pays-Bas, Luxembourg, Allemagne<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.powens.com\/fr\/produits\/couverture\/\">2 000 connecteurs bancaires<\/a> test\u00e9s<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jusqu\u2019\u00e0 5 millions de connexions trait\u00e9es par jour<\/span><\/li>\n<\/ul>\n<h3><b>Exp\u00e9rience utilisateur optimis\u00e9e<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.powens.com\/fr\/blog\/explorer-le-role-des-api-dans-lopen-banking\/\"><strong>Plateforme API-first<\/strong><\/a> pour une <\/span><b>int\u00e9gration rapide et fluide<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gestion intuitive de l\u2019<\/span><b>authentification forte (SCA)<\/b><\/li>\n<\/ul>\n<h3><b>Optimisation des renouvellements de consentement<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Syst\u00e8me de <\/span><b>rappels automatiques (email, SMS, notifications)<\/b><span style=\"font-weight: 400;\"> avant expiration du consentement<\/span><\/li>\n<\/ul>\n<h3><b>S\u00e9curit\u00e9 et conformit\u00e9<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conformit\u00e9 DSP2 garantie<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.powens.com\/fr\/security-compliance\/\"><span style=\"font-weight: 400;\">Acc\u00e8s aux donn\u00e9es stable et s\u00e9curis\u00e9<\/span><\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Vous aimerez lire:\u00a0<\/strong><a href=\"https:\/\/www.powens.com\/fr\/blog\/ue-fintech-regulations-2025\/\">Les R\u00e9gulations Fintech de l\u2019UE pour 2025 : 6 Changements Cl\u00e9s \u00e0 Conna\u00eetre<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><b>D\u00e9couvrez l\u2019impact du cashback avec Powens<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Gr\u00e2ce \u00e0 la <a href=\"https:\/\/www.powens.com\/fr\/produits\/bank\/\">solution <\/a><\/span><b>Bank<\/b><span style=\"font-weight: 400;\"> de Powens, les entreprises de cashback peuvent <\/span><b>automatiser l\u2019identification des transactions \u00e9ligibles<\/b><span style=\"font-weight: 400;\"> sur un large r\u00e9seau de marchands partenaires.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Notre solution <\/span><a href=\"https:\/\/www.powens.com\/fr\/produits\/account-check\/\"><b>Account Check<\/b><\/a><span style=\"font-weight: 400;\"> simplifie \u00e9galement la <\/span><b>v\u00e9rification de propri\u00e9t\u00e9 des comptes bancaires<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Besoin d\u2019une solution Open Finance pour booster votre programme de cashback ?<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><br \/>\n<\/span><a href=\"https:\/\/hubs.ly\/Q035ycXS0\"><b>Contactez Powens d\u00e8s aujourd\u2019hui.<\/b><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><!--HubSpot Call-to-Action Code --><span id=\"hs-cta-wrapper-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-wrapper\"><span id=\"hs-cta-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-node hs-cta-4904e30d-0a6b-41dc-a947-a8d6a569d84a\"><!-- [if lte IE 8]>\n\n\n<div id=\"hs-cta-ie-element\"><\/div>\n\n\n<![endif]--><a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/2535354\/4904e30d-0a6b-41dc-a947-a8d6a569d84a\"><img decoding=\"async\" id=\"hs-cta-img-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-img\" style=\"border-width: 0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2535354\/4904e30d-0a6b-41dc-a947-a8d6a569d84a.png\" alt=\"R\u00e9servez une d\u00e9mo maintenant\" \/><\/a><\/span><script charset=\"utf-8\" src=\"https:\/\/js.hscta.net\/cta\/current.js\"><\/script><script type=\"text\/javascript\"> hbspt.cta.load(2535354, '4904e30d-0a6b-41dc-a947-a8d6a569d84a', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); <\/script><\/span><!-- end HubSpot Call-to-Action Code --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les programmes de cashback se d\u00e9veloppent rapidement en Europe, les consommateurs privil\u00e9giant des avantages financiers imm\u00e9diats plut\u00f4t que des programmes de fid\u00e9lit\u00e9 classiques. Le march\u00e9 devrait conna\u00eetre une croissance significative, avec des d\u00e9penses passant de 57 milliards $ en 2023 \u00e0 115 milliards $ d\u2019ici 2029. Cette expansion est port\u00e9e par une forte demande pour [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":21242,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[78,32],"tags":[],"class_list":["post-21236","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cashback-fr","category-open-banking-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>Comment l\u2019Open Banking dynamise le Cashback en Europe<\/title>\n<meta name=\"description\" content=\"Les solutions Open Banking de Powens optimisent le cashback avec un taux de connexion \u00e9lev\u00e9, des donn\u00e9es en temps r\u00e9el et un consentement simplifi\u00e9.\" \/>\n<meta name=\"robots\" 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