{"id":3515,"date":"2022-03-26T13:56:44","date_gmt":"2022-03-26T12:56:44","guid":{"rendered":"https:\/\/www.powens.com\/?p=3515"},"modified":"2022-10-19T21:41:19","modified_gmt":"2022-10-19T19:41:19","slug":"essor-open-finance-france","status":"publish","type":"post","link":"https:\/\/www.powens.com\/fr\/blog\/essor-open-finance-france\/","title":{"rendered":"Quel avenir pour l\u2019essor de l\u2019Open Finance en France ?"},"content":{"rendered":"<p><b>En France, l\u2019Open Banking laisse progressivement place \u00e0 l\u2019Open Finance, qui se d\u00e9veloppe \u00e0 vitesse exponentielle. Offrant de nombreux avantages aux particuliers et aux entreprises, l\u2019Open Finance est un ph\u00e9nom\u00e8ne plein de promesses et d\u2019opportunit\u00e9s encore insoup\u00e7onn\u00e9es. Tour d\u2019horizon du march\u00e9 et des tendances de fond.<\/b><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">L\u2019Open Finance prend le dessus sur l\u2019Open Banking<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Gr\u00e2ce \u00e0 l\u2019ouverture des donn\u00e9es rendue possible par l\u2019Open Banking, des services financiers innovants r\u00e9pondant \u00e0 de r\u00e9els besoins du march\u00e9 ont vu le jour. Toutefois, ces donn\u00e9es qui proviennent des comptes de paiement ne suffisent clairement pas. C&rsquo;est l\u00e0 que l\u2019Open Finance entre en jeu, <\/span><b>apportant l\u2019ensemble des donn\u00e9es financi\u00e8res <\/b><span style=\"font-weight: 400;\">au lieu de se contenter des donn\u00e9es de comptes de paiement : donn\u00e9es en provenance des comptes d&rsquo;\u00e9pargne (\u00e0 court, moyen et long terme), des contrats d&rsquo;assurance-vie, des comptes titres, des contrats d&rsquo;\u00e9pargne et retraite, des crypto-monnaies, etc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bien que de nombreux acteurs consid\u00e8rent qu&rsquo;il s&rsquo;agit de la prochaine \u00e9tape de l&rsquo;Open Banking, le ph\u00e9nom\u00e8ne est en r\u00e9alit\u00e9 pr\u00e9sent depuis plusieurs ann\u00e9es, et les usages ne cessent de se multiplier. En effet, nos r\u00e9sultats montrent que <\/span><b>60% des 2,7 millions de comptes bancaires synchronis\u00e9s par les utilisateurs de nos clients sont hors DSP2 !<\/b><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Ce qui se cache derri\u00e8re la r\u00e9volution de l\u2019Open Finance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Une technologie innovante, m\u00eame la plus prometteuse, a-t-elle un int\u00e9r\u00eat si elle n&rsquo;est pas exploit\u00e9e et ne trouve pas d&rsquo;utilit\u00e9 concr\u00e8te dans la vie quotidienne ?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L&rsquo;innovation ne peut se r\u00e9duire \u00e0 un simple saut technologique ; elle n&rsquo;a de sens que si elle <\/span><b>apporte une valeur ajout\u00e9e<\/b><span style=\"font-weight: 400;\"> en r\u00e9pondant de mani\u00e8re pragmatique \u00e0 un besoin utilisateurs identifi\u00e9. Aujourd&rsquo;hui, ces technologies d&rsquo;Open Finance offrent aux particuliers et aux entreprises de nombreuses possibilit\u00e9s, notamment de :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mieux g\u00e9rer son argent, d\u00e9penser judicieusement ou \u00e9pargner davantage ;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Calculer son empreinte carbone en fonction de ses d\u00e9penses ou de ses habitudes de consommation par exemple ;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financer des projets \u00e0 long terme en <a href=\"https:\/\/www.powens.com\/fr\/solutions\/par-cas-dusage\/coach-epargne\/\">\u00e9pargnant<\/a> intelligemment et automatiquement ;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Am\u00e9liorer son pouvoir d&rsquo;achat en b\u00e9n\u00e9ficiant d&rsquo;un <\/span><a href=\"https:\/\/www.powens.com\/fr\/solutions\/par-cas-dusage\/cashback-recompenses\/\"><span style=\"font-weight: 400;\">cashback<\/span><\/a><span style=\"font-weight: 400;\"> automatique sans m\u00eame avoir \u00e0 y penser ;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assurer la p\u00e9rennit\u00e9 des entreprises gr\u00e2ce \u00e0 des solutions de pr\u00e9vision de <a href=\"https:\/\/www.powens.com\/fr\/solutions\/par-cas-dusage\/finance-dentreprise-et-gestion-de-tresorerie\/\">tr\u00e9sorerie<\/a> ;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Echanger, payer et se faire payer plus facilement avec une s\u00e9curit\u00e9 maximale et une r\u00e9duction des d\u00e9penses ;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acc\u00e9der \u00e0 des <\/span><a href=\"https:\/\/www.powens.com\/fr\/solutions\/par-industrie\/credit-et-finance\/\"><span style=\"font-weight: 400;\">cr\u00e9dits<\/span><\/a><span style=\"font-weight: 400;\"> pour r\u00e9aliser ses projets m\u00eame si les dossiers ne remplissent pas toutes les conditions ;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Piloter la <\/span><a href=\"https:\/\/www.powens.com\/fr\/solutions\/par-cas-dusage\/gestion-factures-paiements\/\"><span style=\"font-weight: 400;\">gestion<\/span><\/a><span style=\"font-weight: 400;\"> de son entreprise, du rapprochement comptable au paiement des fournisseurs, en passant par le paiement des salaires, gr\u00e2ce \u00e0 des acteurs du <\/span><a href=\"https:\/\/www.journaldunet.com\/economie\/finance\/1504831-banking-as-a-service-concretement-comment-ca-marche\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Banking as a Service<\/span><\/a><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> (Baas) tels que Spendesk et Treezor. Le BaaS est un v\u00e9ritable levier de croissance de l\u2019Open Finance. En France, les acteurs se multiplient, inspir\u00e9s par le mod\u00e8le \u00e9conomique de Solarisbank en Allemagne, donnant du pouvoir aux fintechs et autres entreprises.\n<p><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Les utilisations ne se limitent pas \u00e0 la r\u00e9cup\u00e9ration des donn\u00e9es li\u00e9es aux comptes de paiement. Les entreprises de la tech comme Budget Insight peuvent r\u00e9pondre \u00e0 des besoins de nombreux march\u00e9s, <\/span><b>au-del\u00e0 de l&rsquo;\u00e9cosyst\u00e8me financier<\/b><span style=\"font-weight: 400;\">. Par cons\u00e9quent, la capacit\u00e9 \u00e0 r\u00e9cup\u00e9rer tous les actifs financiers est cruciale, et le champ des possibles est presque infini.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La confiance qu\u2019accordent les acteurs du march\u00e9 aux technologies, de plus en plus compl\u00e8tes et innovantes, est sans aucun doute le meilleur t\u00e9moignage que nous pouvons recevoir. Toutefois, ce succ\u00e8s suit un chemin sem\u00e9 d&#8217;emb\u00fbches.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En ce qui concerne l&rsquo;Open Banking, la DSP2 a clarifi\u00e9 la l\u00e9gitimit\u00e9 des technologies li\u00e9es aux comptes de paiement, mais cela reste insuffisant. Les \u201cautres types de comptes\u201d ont \u00e9t\u00e9 oubli\u00e9s alors qu&rsquo;ils sont essentiels pour la plupart des usages, y compris les cas d&rsquo;usage historiques de gestion des finances personnelles. Comment promettre une vue \u00e0 360 degr\u00e9s des actifs financiers d&rsquo;une personne et des conseils pr\u00e9cis <\/span><b>si nous ne fournissons qu&rsquo;une version tr\u00e8s partielle de sa situation financi\u00e8re<\/b><span style=\"font-weight: 400;\"> ? C\u2019est tout simplement impossible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Comme souvent, la r\u00e9glementation est \u00e0 la tra\u00eene et vient en r\u00e9action \u00e0 des innovations qui existent d\u00e9j\u00e0 depuis plus de dix ans. Avec le droit \u00e0 la portabilit\u00e9 apport\u00e9 par le RGPD, ce qui n&rsquo;est pas couvert par la DSP2 peut l&rsquo;\u00eatre, mais contrairement \u00e0 la DSP2, il n\u2019existe aucune obligation de fournir des API pour r\u00e9cup\u00e9rer les donn\u00e9es d&rsquo;autres comptes. M\u00eame constat pour la CNIL, l&rsquo;autorit\u00e9 fran\u00e7aise de protection des donn\u00e9es, qui pose les principes d&rsquo;un mandat d&rsquo;utilisation des donn\u00e9es personnelles, mais qui n\u2019expose pas de conditions pratiques et techniques. <\/span><b>L&rsquo;absence de norme technologique<\/b><span style=\"font-weight: 400;\"> repr\u00e9sente un frein \u00e0 notre activit\u00e9, tandis que <\/span><b>le web scraping reste fiable et permet de faire na\u00eetre de nouveaux cas d&rsquo;usage.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Certaines banques fran\u00e7aises sont conscientes de la <\/span><b>n\u00e9cessit\u00e9 de r\u00e9cup\u00e9rer l&rsquo;ensemble des donn\u00e9es<\/b><span style=\"font-weight: 400;\">. C&rsquo;est pourquoi elles envisagent d&rsquo;int\u00e9grer ces donn\u00e9es dans leur API DSP2 ou de faciliter l&rsquo;acc\u00e8s \u00e0 ces autres donn\u00e9es par d&rsquo;autres moyens techniques, mais cela reste \u00e0 la marge.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Percer le brouillard pour avancer vers l&rsquo;Open Data<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">J\u2019ai pour conviction que nous devrions <\/span><b>suivre l&rsquo;exemple du <\/b><a href=\"https:\/\/www.berlin-group.org\/\" target=\"_blank\" rel=\"noopener\"><b>Berlin Group<\/b><\/a><span style=\"font-weight: 400;\">, qui a commenc\u00e9 \u00e0 travailler sur la norme appel\u00e9e \u00ab\u00a0openFinance API framework\u00a0\u00bb. L&rsquo;objectif est de tirer parti des investissements dans la technologie et l&rsquo;infrastructure du framework API NextGenPSD2 et d&rsquo;<\/span><b>offrir des services, des produits et des informations encore meilleurs qui profiteront aux acteurs du march\u00e9 et am\u00e9lioreront davantage l&rsquo;exp\u00e9rience client<\/b><span style=\"font-weight: 400;\">. Le travail du Berlin Group apporte des extensions normalis\u00e9es au-del\u00e0 du champ d&rsquo;application r\u00e9glementaire de la DSP2, ce qui permet aux TPP (third-party providers) d&rsquo;acc\u00e9der aux comptes bancaires pour des services commerciaux premium et des donn\u00e9es enrichies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En \u00e9tendant l&rsquo;acc\u00e8s aux donn\u00e9es financi\u00e8res des consommateurs \u00e0 des sources de donn\u00e9es plus larges et \u00e0 des types de comptes suppl\u00e9mentaires, les TPP pourront d\u00e9velopper de nouvelles technologies et permettre ainsi aux utilisateurs finaux de choisir activement les produits et les services qui offrent la valeur ajout\u00e9e dont ils ont besoin.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lorsque des services innovants r\u00e9pondront \u00e0 des besoins \u00e9vidents, la r\u00e9glementation s&rsquo;adaptera. Cela prendra un certain temps, mais la finalit\u00e9 est connue. Tout le monde d\u00e9tient ses propres donn\u00e9es, qu&rsquo;elles soient financi\u00e8res ou non, et <\/span><b>nous entamons tr\u00e8s clairement notre entr\u00e9e dans l\u2019\u00e8re de l&rsquo;Open Data<\/b><span style=\"font-weight: 400;\">, avec le m\u00eame objectif : donner du pouvoir aux consommateurs et aux entreprises.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>R\u00e9inventons ensemble les services financiers !<\/strong><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Vous souhaitez cr\u00e9er de nouvelles exp\u00e9riences en b\u00e9n\u00e9ficiant de nos expertises m\u00e9tiers, techniques et r\u00e9glementaires ?<br \/>\n<\/span><a href=\"https:\/\/www.powens.com\/fr\/contactez-nous\/\"><span style=\"font-weight: 400;\">Contactez-nous<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En France, l\u2019Open Banking laisse progressivement place \u00e0 l\u2019Open Finance, qui se d\u00e9veloppe \u00e0 vitesse exponentielle. Offrant de nombreux avantages aux particuliers et aux entreprises, l\u2019Open Finance est un ph\u00e9nom\u00e8ne plein de promesses et d\u2019opportunit\u00e9s encore insoup\u00e7onn\u00e9es. Tour d\u2019horizon du march\u00e9 et des tendances de fond. &nbsp; L\u2019Open Finance prend le dessus sur l\u2019Open Banking [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":4959,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-3515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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>Quel avenir pour l\u2019essor de l\u2019Open Finance en France ? - Powens<\/title>\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\/essor-open-finance-france\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quel avenir pour l\u2019essor de l\u2019Open Finance en France ?\" \/>\n<meta property=\"og:description\" content=\"En France, l\u2019Open Banking laisse progressivement place \u00e0 l\u2019Open Finance, qui se d\u00e9veloppe \u00e0 vitesse exponentielle. Offrant de nombreux avantages aux particuliers et aux entreprises, l\u2019Open Finance est un ph\u00e9nom\u00e8ne plein de promesses et d\u2019opportunit\u00e9s encore insoup\u00e7onn\u00e9es. Tour d\u2019horizon du march\u00e9 et des tendances de fond. &nbsp; L\u2019Open Finance prend le dessus sur l\u2019Open Banking [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.powens.com\/fr\/blog\/essor-open-finance-france\/\" \/>\n<meta property=\"og:site_name\" content=\"Powens\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-26T12:56:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-19T19:41:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/Article-Avenir-Open-Finance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2248\" \/>\n\t<meta property=\"og:image:height\" content=\"1473\" \/>\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=\"6 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\/essor-open-finance-france\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/essor-open-finance-france\/\"},\"author\":{\"name\":\"Gwendoline Savoy\",\"@id\":\"https:\/\/www.powens.com\/fr\/#\/schema\/person\/cd6986b968f1f69f594f5810b80d1054\"},\"headline\":\"Quel avenir pour l\u2019essor de l\u2019Open Finance en France ?\",\"datePublished\":\"2022-03-26T12:56:44+00:00\",\"dateModified\":\"2022-10-19T19:41:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/essor-open-finance-france\/\"},\"wordCount\":1199,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.powens.com\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/essor-open-finance-france\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.powens.com\/wp-content\/uploads\/2022\/10\/Article-Avenir-Open-Finance.jpg\",\"articleSection\":[\"Open Finance\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.powens.com\/fr\/blog\/essor-open-finance-france\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.powens.com\/fr\/blog\/essor-open-finance-france\/\",\"url\":\"https:\/\/www.powens.com\/fr\/blog\/essor-open-finance-france\/\",\"name\":\"Quel avenir pour l\u2019essor de l\u2019Open Finance en France ? 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