{"id":21326,"date":"2025-02-25T13:06:00","date_gmt":"2025-02-25T12:06:00","guid":{"rendered":"https:\/\/www.powens.com\/blog\/winter-2025-product-news\/"},"modified":"2025-02-25T15:38:13","modified_gmt":"2025-02-25T14:38:13","slug":"lancement-produit-hiver-2025","status":"publish","type":"post","link":"https:\/\/www.powens.com\/fr\/blog\/lancement-produit-hiver-2025\/","title":{"rendered":"Actualit\u00e9 des Produits &#8211; Hiver 2025"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Notre premi\u00e8re mise \u00e0 jour <a href=\"https:\/\/www.powens.com\/fr\/blog\/automne-2024-actualite-produits\/\">produit<\/a> de 2025 est arriv\u00e9e, avec deux objectifs majeurs : renforcer la pr\u00e9vention de la fraude et \u00e9largir nos solutions de paiement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b>Des analyses de donn\u00e9es encore plus puissantes<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-21309\" src=\"https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/credit-insights-fraud-1024x515.png\" alt=\"credit insights fraud\" width=\"1024\" height=\"515\" srcset=\"https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/credit-insights-fraud-1024x515.png 1024w, https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/credit-insights-fraud-300x151.png 300w, https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/credit-insights-fraud-768x386.png 768w, https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/credit-insights-fraud-800x402.png 800w, https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/credit-insights-fraud-420x212.png 420w, https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/credit-insights-fraud.png 1100w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Nous enrichissons nos services <a href=\"https:\/\/www.powens.com\/fr\/blog\/differences-open-banking-embedded-finance-baas\/\">Open Banking<\/a> avec <\/span><b>de nouveaux indicateurs transactionnels en France<\/b><span style=\"font-weight: 400;\">, permettant aux entreprises de prendre des <a href=\"https:\/\/www.powens.com\/fr\/solutions\/par-cas-dusage\/credit-et-financement\/\">d\u00e9cisions de cr\u00e9dit<\/a> plus rapides et pr\u00e9cises.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ces indicateurs offrent une vision d\u00e9taill\u00e9e de la <\/span><b>situation financi\u00e8re et du comportement de l\u2019utilisateur<\/b><span style=\"font-weight: 400;\"> (identification des transactions r\u00e9currentes comme le loyer et le salaire, mesure pr\u00e9cise de la capacit\u00e9 financi\u00e8re).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Parmi les donn\u00e9es disponibles :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Revenus, d\u00e9penses et soldes<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transactions r\u00e9currentes et habitudes de d\u00e9penses<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Gr\u00e2ce \u00e0 ces insights, les entreprises peuvent <\/span><b>\u00e9valuer la sant\u00e9 financi\u00e8re des utilisateurs<\/b><span style=\"font-weight: 400;\">, d\u00e9tecter des risques (comme les transactions li\u00e9es aux jeux d\u2019argent) et pr\u00e9venir la fraude.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Vous souhaitez tester gratuitement ces nouveaux indicateurs ?<\/b><\/p>\n<p>\ud83d\udc49 Si vous \u00eates client, demandez \u00e0 votre KAM d&rsquo;activer cette fonctionnalit\u00e9. Si vous d\u00e9couvrez les solutions Powens, <a href=\"https:\/\/hubs.ly\/Q038bq8r0\">contactez-nous ici.<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><b>Extension de la couverture bancaire et am\u00e9lioration de la r\u00e9cup\u00e9ration des donn\u00e9es<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-21317\" src=\"https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/Bank-Coverage-and-Data-Retrieval-Powens.png\" alt=\"Bank Coverage and Data Retrieval Powens\" width=\"853\" height=\"476\" srcset=\"https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/Bank-Coverage-and-Data-Retrieval-Powens.png 853w, https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/Bank-Coverage-and-Data-Retrieval-Powens-300x167.png 300w, https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/Bank-Coverage-and-Data-Retrieval-Powens-768x429.png 768w, https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/Bank-Coverage-and-Data-Retrieval-Powens-800x446.png 800w\" sizes=\"auto, (max-width: 853px) 100vw, 853px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Notre solution <\/span><b>Bank<\/b><span style=\"font-weight: 400;\">, sp\u00e9cialis\u00e9e dans <a href=\"https:\/\/www.powens.com\/fr\/produits\/bank\/\">l\u2019agr\u00e9gation de donn\u00e9es bancaires<\/a>, permet d\u2019acc\u00e9der en temps r\u00e9el aux soldes, transactions et historiques des comptes courants. Cette mise \u00e0 jour inclut <\/span><b>de nouveaux connecteurs et une r\u00e9cup\u00e9ration optimis\u00e9e des donn\u00e9es<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Connexion aux comptes TradeRepublic<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">D\u00e8s le <\/span><b>premier trimestre 2025<\/b><span style=\"font-weight: 400;\">, Powens devient l\u2019un des premiers fournisseurs \u00e0 <\/span><b>se connecter aux comptes ch\u00e8ques TradeRepublic<\/b><span style=\"font-weight: 400;\">, malgr\u00e9 l\u2019absence d\u2019API officielle. Cette avanc\u00e9e permet \u00e0 nos clients d\u2019obtenir <\/span><b>une vision plus approfondie des finances de leurs utilisateurs<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Acc\u00e8s \u00e0 des donn\u00e9es transactionnelles enrichies<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Les entreprises B2B utilisant notre solution <\/span><b>Bank<\/b><span style=\"font-weight: 400;\"> peuvent d\u00e9sormais r\u00e9cup\u00e9rer et analyser <\/span><b>davantage de donn\u00e9es transactionnelles<\/b><span style=\"font-weight: 400;\"> issues de trois banques fran\u00e7aises sur les comptes professionnels :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>LCL<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Caisse d\u2019\u00c9pargne<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>BNP Fortis<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">En plus des informations classiques (montant, date du paiement, etc.), vous acc\u00e9dez aux <\/span><b>donn\u00e9es compl\u00e9mentaires<\/b><span style=\"font-weight: 400;\"> fournies par la banque, comme les <\/span><b>r\u00e9f\u00e9rences de facture<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L\u2019enrichissement des donn\u00e9es permet de <\/span><b>mieux contextualiser chaque transaction<\/b><span style=\"font-weight: 400;\">, facilitant notamment le <\/span><b>rapprochement automatique des paiements avec les factures<\/b><span style=\"font-weight: 400;\">. R\u00e9sultat : <\/span><b>moins d\u2019erreurs, plus de temps gagn\u00e9<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>\u00c9volutions de nos solutions de paiement<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-20438\" src=\"https:\/\/www.powens.com\/wp-content\/uploads\/2024\/09\/Illustration-PAYOUT-1-1024x528.png\" alt=\"payout solutions for europe\" width=\"1024\" height=\"528\" srcset=\"https:\/\/www.powens.com\/wp-content\/uploads\/2024\/09\/Illustration-PAYOUT-1-1024x528.png 1024w, https:\/\/www.powens.com\/wp-content\/uploads\/2024\/09\/Illustration-PAYOUT-1-300x155.png 300w, https:\/\/www.powens.com\/wp-content\/uploads\/2024\/09\/Illustration-PAYOUT-1-768x396.png 768w, https:\/\/www.powens.com\/wp-content\/uploads\/2024\/09\/Illustration-PAYOUT-1-800x412.png 800w, https:\/\/www.powens.com\/wp-content\/uploads\/2024\/09\/Illustration-PAYOUT-1.png 1914w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3><\/h3>\n<h3><b>Une flexibilit\u00e9 accrue pour les pr\u00e9l\u00e8vements SEPA<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Les clients utilisant un compte IBAN Powens b\u00e9n\u00e9ficient d\u00e9sormais <\/span><b>d\u2019une meilleure gestion des rejets de pr\u00e9l\u00e8vements SEPA<\/b><span style=\"font-weight: 400;\">. En cas de fonds insuffisants lors du pr\u00e9l\u00e8vement, l\u2019op\u00e9ration ne sera pas imm\u00e9diatement annul\u00e9e. <\/span><b>Elle restera en attente<\/b><span style=\"font-weight: 400;\">, offrant <\/span><b>3 \u00e0 5 jours<\/b><span style=\"font-weight: 400;\"> pour approvisionner le compte et permettre le traitement du paiement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cette am\u00e9lioration permet de :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>R\u00e9duire les \u00e9checs de paiement<\/b><span style=\"font-weight: 400;\"> dus \u00e0 une insuffisance temporaire de fonds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Am\u00e9liorer la gestion de tr\u00e9sorerie<\/b><span style=\"font-weight: 400;\">, en laissant plus de temps pour s\u2019assurer que le compte est bien approvisionn\u00e9<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Connexion directe \u00e0 Iberpay pour les virements SEPA instantan\u00e9s<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Powens est d\u00e9sormais <\/span><b>officiellement connect\u00e9 \u00e0 Iberpay<\/b><span style=\"font-weight: 400;\">, la chambre de compensation espagnole pour les <\/span><b>virements SEPA instantan\u00e9s (SICT)<\/b><span style=\"font-weight: 400;\">. Cela permet \u00e0 nos clients de b\u00e9n\u00e9ficier de :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Paiements SEPA instantan\u00e9s 24\/7<\/b><span style=\"font-weight: 400;\">, avec acc\u00e8s imm\u00e9diat aux fonds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Une meilleure fiabilit\u00e9 op\u00e9rationnelle<\/b><span style=\"font-weight: 400;\">, gr\u00e2ce \u00e0 une connexion directe \u00e0 la chambre de compensation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Un suivi am\u00e9lior\u00e9<\/b><span style=\"font-weight: 400;\">, avec un reporting d\u2019erreurs en temps r\u00e9el via Iberpay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Possibilit\u00e9 de demandes de remboursement<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transferts jusqu\u2019\u00e0 100 000 \u20ac par transaction<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nos clients peuvent ainsi ex\u00e9cuter <\/span><b>tous les types de virements SEPA<\/b><span style=\"font-weight: 400;\"> selon leurs besoins :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pr\u00e9l\u00e8vements SEPA (SDD)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Virements SEPA standards (SCT)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Virements SEPA instantan\u00e9s<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Acc\u00e9l\u00e9rez votre croissance avec Powens<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Profitez d\u00e8s maintenant de nos nouvelles fonctionnalit\u00e9s et solutions pour optimiser votre gestion financi\u00e8re.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Que vous soyez un client existant ou un nouvel utilisateur, nos produits s\u2019adaptent \u00e0 vos besoins. <a href=\"https:\/\/hubs.ly\/Q038bq8r0\">Contactez notre \u00e9quipe pour en savoir plus<\/a>.<\/span><\/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>Notre premi\u00e8re mise \u00e0 jour produit de 2025 est arriv\u00e9e, avec deux objectifs majeurs : renforcer la pr\u00e9vention de la fraude et \u00e9largir nos solutions de paiement. \u00a0 Des analyses de donn\u00e9es encore plus puissantes &nbsp; Nous enrichissons nos services Open Banking avec de nouveaux indicateurs transactionnels en France, permettant aux entreprises de prendre des [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":21307,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[56],"tags":[],"class_list":["post-21326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-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>Lancement produit hiver 2025<\/title>\n<meta name=\"description\" content=\"Powens r\u00e9volutionne l\u2019Open Banking avec de nouveaux services : donn\u00e9es enrichies, pr\u00e9vention de la fraude et paiements SEPA instantan\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\/lancement-produit-hiver-2025\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Actualit\u00e9 des Produits - Hiver 2025\" \/>\n<meta property=\"og:description\" content=\"Powens r\u00e9volutionne l\u2019Open Banking avec de nouveaux services : donn\u00e9es enrichies, pr\u00e9vention de la fraude et paiements SEPA instantan\u00e9s.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.powens.com\/fr\/blog\/lancement-produit-hiver-2025\/\" \/>\n<meta property=\"og:site_name\" content=\"Powens\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-25T12:06:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-25T14:38:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.powens.com\/wp-content\/uploads\/2025\/02\/winter-product-release-2025.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1120\" \/>\n\t<meta property=\"og:image:height\" content=\"818\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\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\/lancement-produit-hiver-2025\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/lancement-produit-hiver-2025\/\"},\"author\":{\"name\":\"Gwendoline Savoy\",\"@id\":\"https:\/\/www.powens.com\/fr\/#\/schema\/person\/cd6986b968f1f69f594f5810b80d1054\"},\"headline\":\"Actualit\u00e9 des Produits &#8211; 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