{"id":32916,"date":"2021-01-15T12:18:20","date_gmt":"2021-01-15T11:18:20","guid":{"rendered":"https:\/\/datascientest.com\/?p=32916"},"modified":"2023-10-29T14:15:52","modified_gmt":"2023-10-29T14:15:52","slug":"open-banking","status":"publish","type":"post","link":"https:\/\/datascientest.com\/open-banking","title":{"rendered":"L\u2019open banking : le renouveau des banques"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"32916\" class=\"elementor elementor-32916\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b5424e e-flex e-con-boxed e-con\" data-id=\"5b5424e\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-682f4a3 elementor-widget elementor-widget-heading\" data-id=\"682f4a3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 02-08-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Depuis plusieurs ann\u00e9es maintenant, l\u2019industrie bancaire est en pleine mutation. Apparition des n\u00e9o-banques, digitalisation via l\u2019utilisation d\u2019Internet et des applications mobiles, remplacement des points physiques\u2026 Les banques initient d\u00e9sormais une nouvelle r\u00e9volution avec l\u2019open banking.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90fd714 e-flex e-con-boxed e-con\" data-id=\"90fd714\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc4da67 elementor-widget elementor-widget-text-editor\" data-id=\"fc4da67\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 02-08-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400; color: #000000;\">L\u2019open banking est l\u2019obligation pour les banques de mettre \u00e0 disposition une partie de leurs donn\u00e9es bancaires \u00e0 des tiers via un canal de communication pouvant offrir de nouveaux services aux clients. Ce nouveau principe de banque ouverte a \u00e9t\u00e9 introduit d\u2019une part via la directive europ\u00e9enne DSP2 mais aussi par la maturit\u00e9 de l\u2019offre technologique port\u00e9e par les API.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9d628a e-flex e-con-boxed e-con\" data-id=\"f9d628a\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b712714 elementor-widget elementor-widget-heading\" data-id=\"b712714\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Open banking : qu\u2019est-ce-que la directive DSP2 ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffb3fea elementor-widget elementor-widget-text-editor\" data-id=\"ffb3fea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; color: #000000;\">La\u00a0<\/span><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/FR\/TXT\/?uri=CELEX:32015L2366\" target=\"_blank\" rel=\"noopener\">DSP2<\/a><span style=\"font-weight: 400; color: #000000;\">\u00a0\u00ab directive r\u00e9vis\u00e9e sur les services de paiement (DSP2) \u00bb est un texte applicable dans l\u2019Union Europ\u00e9enne afin notamment de \u00ab favoriser l&rsquo;innovation, la concurrence et l&rsquo;efficience \u00bb du march\u00e9 bancaire : banque, startup \u00ab fintech \u00bb. La DSP2, transpos\u00e9e en droit fran\u00e7ais en 2018 par des ordonnances, en plus de renforcer les services aux consommateurs (authentification forte, renforcement de droits\u2026) porte aussi une initiative forte concernant l\u2019ouverture du march\u00e9 \u00e0 de nouveaux acteurs en donnant acc\u00e8s aux informations sur les comptes, via un canal de communication s\u00e9curis\u00e9.<\/span><\/p><p><span style=\"font-weight: 400;\"><span style=\"color: #000000;\">Ce canal de communication s\u00e9curis\u00e9 passe notamment par la technologie API (Application Programming Interface). L\u2019API est une interface informatique mise \u00e0 disposition par une application pour \u00eatre utilis\u00e9e par une autre application, cette interface fonctionne sur la base d\u2019une m\u00e9thode de communication normalis\u00e9e (fonctions, classes\u2026). Pour comprendre le fonctionnement d\u2019une API plus en d\u00e9tail, <a href=\"https:\/\/datascientest.com\/api-quest-ce-que-cest-et-a-quoi-ca-sert\">d\u00e9couvrez notre pr\u00e9c\u00e9dent article sur le sujet<\/a>.<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d9b1ab e-flex e-con-boxed e-con\" data-id=\"5d9b1ab\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfc2bca elementor-widget elementor-widget-heading\" data-id=\"bfc2bca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Banques : comment profiter de l\u2019open banking ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a64a698 elementor-widget elementor-widget-text-editor\" data-id=\"a64a698\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ces communications via API vont permettre de faciliter la cr\u00e9ation de ponts et de faire b\u00e9n\u00e9ficier de nouveaux services aux clients via de nouveaux acteurs voire d\u2019autres march\u00e9s : conseiller fiscal, conseiller financier, courtier, assureur\u2026 Les premiers concern\u00e9s par cette r\u00e9volution sont les banques elles-m\u00eames qui se doivent de se r\u00e9inventer\u00a0 en termes de strat\u00e9gie commerciale et \u00e9conomique.<\/span><\/p><p><span style=\"font-weight: 400;\">Quatre strat\u00e9gies s\u2019offrent aux diff\u00e9rents acteurs du monde bancaire :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>full-service provider <\/strong>: la fourniture de produits et services bancaires se fait de bout en bout en compte propre, sans passer par des interm\u00e9diaires, et donc sans API ;<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>open servicing (Baas, bank as a service) :<\/strong> la banque met \u00e0 disposition son infrastructure et ses services sans s\u2019appuyer sur ses produits, et met \u00e0 disposition ces services aux autres entreprises via des API. N\u2019importe quelle entreprise, m\u00eame non issue du secteur bancaire peut ainsi proposer des services bancaires \u00e0 ses clients gr\u00e2ce aux API mises \u00e0 disposition;<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>bank as a platform :<\/strong> la banque propose \u00e0 ses clients les services d\u2019autres acteurs pour enrichir ses propres produits et fid\u00e9liser sa client\u00e8le ;<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Place de march\u00e9 bancaire : <\/strong>la banque offre une plateforme d\u2019agr\u00e9gation de services et produits, provenant de son entreprise mais aussi d\u2019autres partenaires. Le client a ainsi acc\u00e8s aux meilleures offres du march\u00e9 via un seul point d\u2019entr\u00e9e. La banque propri\u00e9taire de la marketplace fid\u00e9lise sa client\u00e8le, qui b\u00e9n\u00e9ficie en contrepartie d\u2019une offre large de produits et services. Les partenaires tiers b\u00e9n\u00e9ficient quant \u00e0 eux d\u2019une meilleure visibilit\u00e9. Les acteurs peuvent donc se focaliser sur ce qu\u2019ils consid\u00e8rent leurs valeurs <\/span> <span style=\"font-weight: 400;\">ajout\u00e9es au march\u00e9.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32581c9 e-flex e-con-boxed e-con\" data-id=\"32581c9\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f0bae9 elementor-widget elementor-widget-heading\" data-id=\"4f0bae9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quels sont les enjeux de l\u2019open banking ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9901762 elementor-widget elementor-widget-text-editor\" data-id=\"9901762\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #000000;\"><span style=\"font-weight: 400;\">La valorisation et la <\/span><span style=\"font-weight: 400;\">mon\u00e9tisation de cette valeur ajout\u00e9e devient cl\u00e9 dans un monde o\u00f9 les taux d\u2019int\u00e9r\u00eat sont proches du 0 et sont amen\u00e9s \u00e0 le rester de mani\u00e8re p\u00e9renne. En effet les banques ont toujours \u00e9t\u00e9 financ\u00e9es sur ces taux, et doivent d\u00e9sormais trouver d\u2019autres facteurs de rentabilit\u00e9 et de croissance \u00e0 travers d\u2019autres services et produits.<\/span><\/span><\/p><p><span style=\"font-weight: 400; color: #000000;\">L\u2019int\u00e9gralit\u00e9 de la mise \u00e0 disposition des produits et services doit donc passer par ces API amen\u00e9es par l\u2019open banking.<\/span><\/p><p><span style=\"color: #000000;\"><span style=\"font-weight: 400;\">Derri\u00e8re ces strat\u00e9gies se per\u00e7oit en pointill\u00e9 l\u2019importance, et ce quel que soit le mod\u00e8le, de la ma\u00eetrise de la donn\u00e9e. La data devient cl\u00e9 dans la relation avec le client, via <strong>la mise en place de produits personnalis\u00e9s et de services \u00e0 valeur ajout\u00e9<\/strong>e. La ma\u00eetrise des datas clients va devenir un enjeu de conqu\u00eate, de fid\u00e9lisation client, en r\u00e9inventant les services clients et en en cr\u00e9ant de nouveaux. D\u2019o\u00f9 la n\u00e9cessit\u00e9 de bien <a href=\"https:\/\/datascientest.com\/formation-data-management\">se former en Data Science<\/a><\/span><span style=\"font-weight: 400;\"><span style=\"color: #6e4ceb;\"><strong>,<\/strong><\/span> afin de ma\u00eetriser l\u2019analyse et l\u2019exploitation de la donn\u00e9e, qui prend de plus en plus de valeur dans la strat\u00e9gie \u00e9conomique des entreprises, quel que soit leur secteur d\u2019activit\u00e9.<\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbabf26 elementor-align-center button-principale elementor-widget elementor-widget-button\" data-id=\"dbabf26\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/datascientest.com\/formations-data\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Se former \u00e0 la Data Science<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Depuis plusieurs ann\u00e9es maintenant, l\u2019industrie bancaire est en pleine mutation. Apparition des n\u00e9o-banques, digitalisation via l\u2019utilisation d\u2019Internet et des applications mobiles, remplacement des points physiques\u2026 Les banques initient d\u00e9sormais une nouvelle r\u00e9volution avec l\u2019open banking. L\u2019open banking est l\u2019obligation pour les banques de mettre \u00e0 disposition une partie de leurs donn\u00e9es bancaires \u00e0 des tiers [&hellip;]<\/p>\n","protected":false},"author":45,"featured_media":34922,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"content-type":"","inline_featured_image":false},"categories":[2431],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.7 (Yoast SEO v21.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L\u2019open banking : le renouveau des banques - multi.datascientest.com<\/title>\n<meta name=\"description\" content=\"Conscientes de la transformation de nos soci\u00e9t\u00e9s et de nos besoins, les banques se renouvellent ! 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