{"id":125823,"date":"2020-08-11T17:53:59","date_gmt":"2020-08-11T21:53:59","guid":{"rendered":"https:\/\/fsc-ccf.ca\/references\/leconomie-numerique-a-lassaut-de-la-finance-2\/"},"modified":"2020-08-11T17:53:59","modified_gmt":"2020-08-11T21:53:59","slug":"leconomie-numerique-a-lassaut-de-la-finance-2","status":"publish","type":"reference","link":"https:\/\/fsc-ccf.ca\/fr\/references\/leconomie-numerique-a-lassaut-de-la-finance-2\/","title":{"rendered":"L\u2019\u00e9conomie num\u00e9rique \u00e0 l\u2019assaut de la finance"},"content":{"rendered":"

Jusque tout r\u00e9cemment, le mod\u00e8le dominant \u00e9tait celui de la banque universelle ; longtemps prot\u00e9g\u00e9 par la r\u00e9glementation et la fid\u00e9lit\u00e9 des clients, il est remis en cause par une nouvelle classe d\u2019acteurs : les fintech, qui introduisent des usages innovants et se transforment peu \u00e0 peu en plateformes de services. Ceux-ci sont peu \u00e0 peu rejoints par les op\u00e9rateurs de t\u00e9l\u00e9coms, qui cherchent \u00e0 r\u00e9duire l\u2019attrition de leur portefeuille et la grande distribution. Mais le danger principal vient des GAFA qui ne peuvent ignorer le vecteur de donn\u00e9es exceptionnel que sont les services financiers.
\n Le mouvement est acc\u00e9l\u00e9r\u00e9 par la r\u00e9volution des technologies de la donn\u00e9e (IA, blockchain et Internet des objets) et par les nouvelles constructions r\u00e9glementaires europ\u00e9ennes (DSP2, notamment). La tendance g\u00e9n\u00e9rale est \u00e0 l\u2019hybridation des mod\u00e8les et des cultures.
\n Dans ce contexte bouillonnant, la France dispose d\u2019atouts importants, comme sa comp\u00e9tence de classe mondiale en sciences cognitives et son acc\u00e8s privil\u00e9gi\u00e9 au march\u00e9 int\u00e9gr\u00e9 europ\u00e9en.<\/p>\n","protected":false},"excerpt":{"rendered":"

Jusque tout r\u00e9cemment, le mod\u00e8le dominant \u00e9tait celui de la banque universelle ; longtemps prot\u00e9g\u00e9 par la r\u00e9glementation et la fid\u00e9lit\u00e9 des clients, il est remis en cause par une nouvelle classe d\u2019acteurs : les fintech, qui introduisent des usages innovants et se transforment peu \u00e0 peu en plateformes de services. Ceux-ci sont peu \u00e0 peu rejoints par les op\u00e9rateurs de t\u00e9l\u00e9coms, qui cherchent \u00e0 r\u00e9duire l\u2019attrition de leur portefeuille et la grande distribution. Mais le danger principal vient des GAFA qui ne peuvent ignorer le vecteur de donn\u00e9es exceptionnel que sont les services financiers.
\n Le mouvement est acc\u00e9l\u00e9r\u00e9 par la r\u00e9volution des technologies de la donn\u00e9e (IA, blockchain et Internet des objets) et par les nouvelles constructions r\u00e9glementaires europ\u00e9ennes (DSP2, notamment). La tendance g\u00e9n\u00e9rale est \u00e0 l\u2019hybridation des mod\u00e8les et des cultures.
\n Dans ce contexte bouillonnant, la France dispose d\u2019atouts importants, comme sa comp\u00e9tence de classe mondiale en sciences cognitives et son acc\u00e8s privil\u00e9gi\u00e9 au march\u00e9 int\u00e9gr\u00e9 europ\u00e9en.<\/p>\n","protected":false},"template":"","reference-tag":[],"reference-type":[435],"class_list":["post-125823","reference","type-reference","status-publish","hentry","reference-type-journal-article"],"acf":{"citation":"Clot, A. (2019). L\u2019\u00e9conomie num\u00e9rique \u00e0 l\u2019assaut de la finance. R\u00e9alit\u00e9s Industrielles, 43497(1), 41-44. Retrieved from http:\/\/www.annales.org\/ri\/2019\/ri_fevrier_2019.pdf.","authors":"Clot, A.","org":"France Fintech, EY","year":"2019","title_fr":null,"editors_hidden":"","publication":"R\u00e9alit\u00e9s Industrielles","publication_fr":null,"volume":"43497","issue":"1","Series":"","SeriesNumber":"","page_range":"41-44","publisher_city":"","publisher_state":"","publisher":"","abstract_en":null,"abstract_fr":null,"keywords":"","paywall":"0","doi":"","isbn":"","url":"http:\/\/www.annales.org\/ri\/2019\/ri_fevrier_2019.pdf","url_fr":null,"url_amazon":"","TRACK":"0"},"yoast_head":"\nL\u2019\u00e9conomie num\u00e9rique \u00e0 l\u2019assaut de la finance - Future Skills Centre \u2022 Centre des Comp\u00e9tences futures<\/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:\/\/fsc-ccf.ca\/fr\/references\/leconomie-numerique-a-lassaut-de-la-finance-2\/\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fsc-ccf.ca\\\/fr\\\/references\\\/leconomie-numerique-a-lassaut-de-la-finance-2\\\/\",\"url\":\"https:\\\/\\\/fsc-ccf.ca\\\/fr\\\/references\\\/leconomie-numerique-a-lassaut-de-la-finance-2\\\/\",\"name\":\"L\u2019\u00e9conomie num\u00e9rique \u00e0 l\u2019assaut de la finance - 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