{"id":2369,"date":"2021-05-13T10:06:00","date_gmt":"2021-05-13T14:06:00","guid":{"rendered":"https:\/\/www.wework.com\/fr-FR\/ideas\/?p=2369&#038;preview=true&#038;preview_id=2369"},"modified":"2022-05-19T12:47:36","modified_gmt":"2022-05-19T10:47:36","slug":"how-innovation-is-transforming-the-financial-sector","status":"publish","type":"post","link":"https:\/\/www.wework.com\/fr-FR\/ideas\/growth-innovation\/how-innovation-is-transforming-the-financial-sector","title":{"rendered":"Comment l&rsquo;innovation est en train de transformer le secteur financier"},"content":{"rendered":"\n<p>La num\u00e9risation a fondamentalement transform\u00e9 le secteur des services financiers. Cette \u00e9volution a contraint les \u00e9tablissements traditionnels \u00e0 modifier leurs r\u00e8gles du jeu afin de mieux r\u00e9pondre aux besoins des consommateurs. Elle a \u00e9galement donn\u00e9 naissance \u00e0 une multitude de <a href=\"https:\/\/www.emarketer.com\/content\/seven-charts-the-state-of-digital-banking-in-2020\">startups<\/a> innovantes qui proposent des services num\u00e9riques \u00e0 leurs clients du monde entier. D&rsquo;apr\u00e8s une <a href=\"https:\/\/www.ubs.com\/global\/en\/wealth-management\/chief-investment-office\/about-us\/our-investment-philosophy\/ubs-investor-forum\/_jcr_content\/mainpar\/toplevelgrid_638913673\/col1\/tabteaser\/innergrid_1714031795\/xcol1\/textimage.0052507009.file\/dGV4dD0vY29udGVudC9kYW0vYXNzZXRzL3dtL2dsb2JhbC9jaW8vaW52ZXN0bWVudC1vcHBvcnR1bml0aWVzL2RvYy9maW50ZWNoLXNuYXBzaG90LXVicy1jaW8tbG9uZ2VyLXRlcm0taW52ZXN0bWVudHMtcmVzZWFyY2gtZW4ucGRm\/fintech-snapshot-ubs-cio-longer-term-investments-research-en.pdf\">\u00e9tude r\u00e9alis\u00e9e par UBS<\/a>, le chiffre d&rsquo;affaires mondial des entreprises de technologie financi\u00e8re (\u00ab\u00a0fintech\u00a0\u00bb) devrait passer de 150\u00a0milliards de dollars en 2018 \u00e0 500\u00a0milliards de dollars en 2030.\u00a0<\/p>\n\n\n\n<p>La pand\u00e9mie de COVID-19 n&rsquo;a fait qu&rsquo;acc\u00e9l\u00e9rer ces tendances. Selon une<a href=\"https:\/\/www.bcg.com\/en-gb\/publications\/2020\/bionic-banking-may-be-the-future-of-banking\">\u00e9tude de BCG<\/a>, l&rsquo;utilisation des services bancaires mobiles a augment\u00e9 de 34\u00a0% entre f\u00e9vrier et juin\u00a02020, tandis que les services bancaires en agence ont diminu\u00e9 de 12\u00a0%. Les clients demandent et attendent de plus en plus de leurs banques qu&rsquo;elles soient \u00e0 leur disposition o\u00f9 qu&rsquo;ils se trouvent, c&rsquo;est-\u00e0-dire de plus en plus sur leur smartphone ou ordinateur portable.<\/p>\n\n\n\n<p>Au <a href=\"https:\/\/www.wework.com\/info\/wework-innovation-summit\">WeWork Innovation Summit ( English )<\/a>, le directeur mondial des ventes financi\u00e8res de WeWork, Nick Giraudeau, a anim\u00e9 une discussion entre trois dirigeants sur l&rsquo;innovation dans le secteur financier. Les pan\u00e9listes ont discut\u00e9 des d\u00e9fis auxquels sont confront\u00e9s les fintechs et les \u00e9tablissements traditionnels, et de ce \u00e0 quoi ressemblera l&rsquo;avenir de l&rsquo;innovation financi\u00e8re.<\/p>\n\n\n\n<p>Regardez l&rsquo;<a href=\"https:\/\/event.on24.com\/wcc\/r\/3064760\/478AD083ED4250342A6EA40F6B628B2D?utm_campaign=20210322_Global_SummitSeg5b_PostEvent_IdeasArticle_ToOn24OD_Session4&amp;utm_medium=ideas&amp;utm_source=Ideas&amp;std7=20210322_Global_SummitSeg5b_PostEvent_IdeasArticle_ToOn24OD_Session4&amp;std6=Ideas&amp;std5=ideas&amp;partnerref=ideas_sess4\">enregistrement complet de la discussion ici<\/a>.\u00a0<\/p>\n\n\n<noscript class=\"ninja-forms-noscript-message\">\n\tRemarque\u00a0: JavaScript est requis pour ce contenu.<\/noscript>\n<div class=\"wp-block-ninja-forms-form\"><div id=\"nf-form-4-cont\" class=\"nf-form-cont  has-title\" aria-live=\"polite\" aria-labelledby=\"nf-form-title-4\" aria-describedby=\"nf-form-errors-4\" role=\"form\">\n\n    <div class=\"nf-loading-spinner\"><\/div>\n\n<\/div>\n<\/div>        <!-- That data is being printed as a workaround to page builders reordering the order of the scripts loaded-->\n        <script>var formDisplay=1;var nfForms=nfForms||[];var form=[];form.id='4';form.settings={\"objectType\":\"Form Setting\",\"editActive\":true,\"title\":\"Vous r\\u00e9imaginez votre espace de travail ?\\u200b\",\"created_at\":\"2019-04-11 13:47:36\",\"form_title\":\"Contactez-nous \\u00e0 propos de l'espace de travail\",\"default_label_pos\":\"above\",\"show_title\":\"1\",\"clear_complete\":\"1\",\"hide_complete\":\"1\",\"logged_in\":\"0\",\"wrapper_class\":\" has-title\",\"element_class\":\"\",\"key\":\"\",\"add_submit\":\"1\",\"currency\":\"\",\"unique_field_error\":\"A form with this value has already been submitted.\",\"not_logged_in_msg\":\"\",\"sub_limit_msg\":\"The form has reached its submission limit.\",\"calculations\":[],\"formContentData\":[{\"order\":1,\"cells\":[{\"order\":0,\"fields\":[\"full_name_1557772520038\"],\"width\":\"50\"},{\"order\":1,\"fields\":[\"nom_de_votre_entreprise_1588971430702\"],\"width\":\"50\"}]},{\"order\":2,\"cells\":[{\"order\":0,\"fields\":[\"adresse_email_professionnelle_1588971440241\"],\"width\":\"50\"},{\"order\":1,\"fields\":[\"how_many_people_need_workspace_1603121407713\"],\"width\":\"50\"}]},{\"order\":3,\"cells\":[{\"order\":0,\"fields\":[\"phone_number_1557772538490\"],\"width\":\"50\"},{\"order\":1,\"fields\":[\"emplacement_geographique_1588971473520\"],\"width\":\"50\"}]},{\"order\":4,\"cells\":[{\"order\":0,\"fields\":[\"i_would_like_wework_to_send_me_offers_and_other_communications_1557772665629\"],\"width\":\"100\"}]},{\"order\":5,\"cells\":[{\"order\":0,\"fields\":[\"soumettre_1588972676880\"],\"width\":\"100\"}]},{\"order\":6,\"cells\":[{\"order\":0,\"fields\":[\"html_1592512839988\"],\"width\":\"100\"}]}],\"drawerDisabled\":false,\"allow_public_link\":\"0\",\"embed_form\":\"\",\"conditions\":[],\"changeEmailErrorMsg\":\"Veuillez saisir une adresse de messagerie valide. 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cliquant sur le bouton ci-dessus vous acceptez nos&nbsp;<a href=\\\"https:\\\/\\\/www.wework.com\\\/fr-FR\\\/legal\\\/terms-of-service\\\" target=\\\"_blank\\\">Conditions de service<\\\/a>&nbsp;et confirmez que vous avez lu et compris notre&nbsp;<a href=\\\"https:\\\/\\\/www.wework.com\\\/fr-FR\\\/legal\\\/privacy\\\" target=\\\"_blank\\\">Politique de 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href=\\\"https:\\\/\\\/www.wework.com\\\/fr-FR\\\/legal\\\/terms-of-service\\\" target=\\\"_blank\\\">Conditions de service<\\\/a>&nbsp;et confirmez que vous avez lu et compris notre&nbsp;<a href=\\\"https:\\\/\\\/www.wework.com\\\/fr-FR\\\/legal\\\/privacy\\\" target=\\\"_blank\\\">Politique de confidentialit\\u00e9<\\\/a>.<\\\/small><\\\/p>\",\"label_pos\":\"above\",\"parentType\":\"html\",\"element_templates\":[\"html\",\"input\"],\"old_classname\":\"\",\"wrap_template\":\"wrap\"}];nfForms.push(form);<\/script>\n                <script id=\"nf-tmpl-cell\" type=\"text\/template\">\r\n            <nf-fields><\/nf-fields>\r\n        <\/script>\r\n\r\n        <script id=\"nf-tmpl-row\" type=\"text\/template\">\r\n            <nf-cells><\/nf-cells>\r\n        <\/script>\r\n\r\n        \n\n\n<h2  id=\"avoir-recours-%c3%a0-la-technologie\"class=\"wp-block-heading\"><strong>Avoir recours \u00e0 la technologie<\/strong><\/h2>\n\n\n\n<p>Chez NatWest, Andy Ellis, responsable des <a href=\"https:\/\/www.wework.com\/ideas\/growth-innovation\/a-financial-innovator-breaks-down-barriers-in-their-workplace\">transactions commerciales chez NatWest ( English )<\/a>, a pu aider la banque \u00e0 \u00e9voluer plus rapidement gr\u00e2ce \u00e0 la technologie. \u00ab\u00a0Il y a huit, neuf ans, bon nombre des banques avaient peur d&rsquo;int\u00e9grer des changements car cela pouvait porter pr\u00e9judice aux syst\u00e8mes\u00a0\u00bb, a expliqu\u00e9 Ellis. \u00ab\u00a0Aujourd&rsquo;hui, tout tourne autour du d\u00e9ploiement continu de code et de l&rsquo;architecture moderne.\u00a0\u00bb\u00a0<\/p>\n\n\n\n<p>Lorsqu&rsquo;il lance des produits num\u00e9riques pour NatWest, il associe les connaissances bancaires institutionnelles \u00e0 l&rsquo;\u00e9nergie dynamique des start-ups pour montrer \u00e0 l&rsquo;organisation qu&rsquo;\u00ab\u00a0il est possible d&rsquo;agir rapidement\u00a0\u00bb, a-t-il d\u00e9clar\u00e9.\u00a0<\/p>\n\n\n\n<p>L&rsquo;innovation a jou\u00e9 un r\u00f4le essentiel dans la r\u00e9duction des obstacles \u00e0 l&rsquo;entr\u00e9e pour les start-ups comme <a href=\"https:\/\/www.uala.com.ar\/\">Ual\u00e1<\/a>, en Argentine, qui g\u00e8re plus de 3\u00a0millions de comptes avec pr\u00e8s de 600\u00a0employ\u00e9s gr\u00e2ce \u00e0 une technologie qui permet \u00e0 l&rsquo;\u00e9quipe d&rsquo;\u00e9voluer efficacement. Pierpaolo Barbieri, fondateur et directeur g\u00e9n\u00e9ral d&rsquo;Ual\u00e1, a indiqu\u00e9 que la d\u00e9mocratisation de la technologie et l&rsquo;essor des applications mobiles ont \u00e9t\u00e9 essentielles pour permettre \u00e0 Ual\u00e1 de prendre son essor.<\/p>\n\n\n\n<p>\u00ab\u00a0La num\u00e9risation n&rsquo;a pas \u00e9t\u00e9 possible [dans le secteur financier] pendant longtemps\u00a0\u00bb, a-t-il observ\u00e9. \u00ab\u00a0Mais depuis la r\u00e9volution des applications, les obstacles \u00e0 l&rsquo;entr\u00e9e de connaissance du client (KYC) et de lutte contre le blanchiment d&rsquo;argent (AML) peuvent \u00eatre surmont\u00e9s gr\u00e2ce \u00e0 une meilleure technologie sur le terrain.\u00a0\u00bb\u00a0\u00a0<\/p>\n\n\n\n<h2  id=\"bancariser-les-non-bancaris%c3%a9s\"class=\"wp-block-heading\"><strong>Bancariser les non bancaris\u00e9s<\/strong><\/h2>\n\n\n\n<p>La num\u00e9risation commence \u00e0 donner les m\u00eames opportunit\u00e9s \u00e0 tous les consommateurs du monde entier, y compris les milliards d&rsquo;adultes qui n&rsquo;ont pas de compte bancaire. C&rsquo;est une innovation qui, et les pan\u00e9listes acquiescent, faisait cruellement d\u00e9faut. \u00ab\u00a0Nous devons permettre aux personnes qui n&rsquo;ont pas acc\u00e8s aux services bancaires d&rsquo;y acc\u00e9der\u00a0\u00bb, a d\u00e9clar\u00e9 Andy Maguire, pr\u00e9sident des services bancaires \u00e0 l&rsquo;\u00e9chelle internationale, directeur g\u00e9n\u00e9ral et associ\u00e9 principal du <a href=\"https:\/\/www.bcg.com\/en-us\/\">Boston Consulting Group<\/a>. \u00ab\u00a0Nous devons nous occuper des clients vuln\u00e9rables. Ils doivent \u00eatre pris en charge.\u00a0\u00bb\u00a0<\/p>\n\n\n\n<p>Les entreprises de fintech comme Ual\u00e1 font profiter les communaut\u00e9s marginalis\u00e9es du monde entier des avantages des services bancaires bas\u00e9s sur la technologie. En Argentine, pays natal de M. Barbieri, plus de la moiti\u00e9 de la population <a href=\"https:\/\/www.ft.com\/content\/23db80d4-6193-4b22-8b15-074ba2f96d1c\">ne poss\u00e8de pas de compte bancaire<\/a>.\u00a0<\/p>\n\n\n\n<p>M. Barbieri a vu une opportunit\u00e9 de donner aux gens un moyen s\u00fbr de g\u00e9rer leur argent en capitalisant sur le <a href=\"https:\/\/www.batimes.com.ar\/news\/argentina\/nine-in-ten-young-adults-in-argentina-use-social-media-new-study-finds.phtml\">taux \u00e9lev\u00e9 de possession de smartphones<\/a> en Argentine. \u00c0 l&rsquo;origine, les utilisateurs recevaient une carte Mastercard pr\u00e9charg\u00e9e gratuite qui \u00e9tait reli\u00e9e \u00e0 leur compte Ual\u00e1 sur leur smartphone, d&rsquo;o\u00f9 ils pouvaient envoyer et recevoir de l&rsquo;argent, ainsi que retirer de l&rsquo;argent aupr\u00e8s d&rsquo;un r\u00e9seau de distributeurs automatiques. Aujourd&rsquo;hui, Ual\u00e1 a \u00e9tendu ses activit\u00e9s aux pr\u00eats, \u00e0 l&rsquo;\u00e9pargne et aux cartes num\u00e9riques, et a rapidement \u00e9largi sa client\u00e8le \u00e0 toute l&rsquo;Am\u00e9rique latine.<\/p>\n\n\n\n<p>\u00ab\u00a0La grande opportunit\u00e9 de la num\u00e9risation est de r\u00e9duire radicalement le co\u00fbt de prestation de certains services financiers dans des soci\u00e9t\u00e9s qui n&rsquo;ont pas la p\u00e9n\u00e9tration bancaire des march\u00e9s [occidentaux]\u00a0\u00bb, a fait remarquer M. Barbieri. \u00ab\u00a0Une fois que vous pouvez avoir un compte et un m\u00e9canisme de paiement, vous pouvez acc\u00e9der \u00e0 d&rsquo;autres services financiers courants comme les comptes d&rsquo;assurance ou d&rsquo;\u00e9pargne, et l&#8217;emprunt \u00e0 un taux raisonnable.\u00a0\u00bb\u00a0<\/p>\n\n\n\n<h2  id=\"tout-ne-peut-pas-ou-ne-devrait-pas-passer-au-num%c3%a9rique\"class=\"wp-block-heading\"><strong>Tout ne peut pas (ou ne devrait pas) passer au num\u00e9rique<\/strong><\/h2>\n\n\n\n<p>Bien que les progr\u00e8s technologiques aient facilit\u00e9 l&rsquo;\u00e9volution des startups et la gestion des comptes avec des \u00e9quipes r\u00e9duites, les trois pan\u00e9listes s&rsquo;accordent \u00e0 constater que les services bancaires sont toujours ax\u00e9s sur le maintien de la confiance avec les clients, et celle-ci est difficile \u00e0 coder.\u00a0<\/p>\n\n\n\n<p>\u00ab\u00a0Tout n&rsquo;est pas qu&rsquo;une question de technologie\u00a0\u00bb, a remarqu\u00e9 M. Maguire. \u00ab\u00a0Nous devons r\u00e9pondre aux besoins de personnes qui n&rsquo;ont pas de t\u00e9l\u00e9phone mobile avec de nombreuses fonctionnalit\u00e9s ou qui ne peuvent pas se permettre d&rsquo;en acheter un. Il y a beaucoup de choses \u00e0 faire qui ne sont pas num\u00e9riques.\u00a0\u00bb\u00a0\u00a0<\/p>\n\n\n\n<p>Ce point de vue \u00e9tait partag\u00e9 par M. Barbieri, qui pense qu&rsquo;il est pr\u00e9f\u00e9rable de d\u00e9ployer l&rsquo;intelligence artificielle et l&rsquo;apprentissage automatique pour prendre en charge les t\u00e2ches simples et chronophages, et ainsi lib\u00e9rer les ressources d&rsquo;une banque pour r\u00e9soudre des probl\u00e8mes plus complexes et importants. \u00ab\u00a0L&rsquo;aspect essentiel de l&rsquo;automatisation est d&rsquo;automatiser les choses que vous <em>pouvez<\/em> automatiser, de sorte \u00e0 ce que les choses qui demandent un contact humain avec un client&#8230; vous puissiez \u00eatre humain\u00a0\u00bb, a d\u00e9clar\u00e9 M. Barbieri, qui a ajout\u00e9 qu&rsquo;il prend le temps de r\u00e9pondre aux demandes de renseignements des clients.\u00a0<\/p>\n\n\n\n<h2  id=\"disposer-despace-pour-linnovation\"class=\"wp-block-heading\"><strong>Disposer d&rsquo;espace pour l&rsquo;innovation<\/strong><\/h2>\n\n\n\n<p>La pand\u00e9mie de COVID-19 a \u00e9galement transform\u00e9 la fa\u00e7on dont les services bancaires et financiers consid\u00e8rent le bureau. De nombreuses banques traditionnelles pr\u00e9voient actuellement un <a href=\"\/fr-FR\/ideas\/research-insights\/research-studies\/the-future-of-work-is-hybrid\">espace de travail hybride<\/a> \u00e0 l&rsquo;avenir, <a href=\"https:\/\/www.pwc.com\/us\/en\/industries\/financial-services\/library\/balancing-remote-and-in-office-work.html\">et pr\u00e8s de 70\u00a0%<\/a> d&rsquo;entre elles s&rsquo;attendent \u00e0 un m\u00e9lange de travail \u00e0 distance et au bureau pour leurs employ\u00e9s. Les banques rechercheront des solutions en termes de lieu de travail qui puissent \u00e9voluer en fonction de leurs besoins. Ual\u00e1, qui a recours \u00e0 des bureaux WeWork, s&rsquo;est d\u00e9velopp\u00e9e de fa\u00e7on fulgurante en raison de la demande due \u00e0 la pand\u00e9mie de COVID-19, et son espace avait besoin de s&rsquo;agrandir en cons\u00e9quence. \u00ab\u00a0Des parties importantes d&rsquo;une banque ne sont pas si diff\u00e9rentes d&rsquo;un espace WeWork\u00a0\u00bb, a ajout\u00e9 M. Ellis. \u00ab\u00a0Nous allons dans cette direction flexible.\u00a0\u00bb<\/p>\n\n\n\n<p>La technologie a r\u00e9duit les obstacles \u00e0 l&rsquo;entr\u00e9e et a permis aux soci\u00e9t\u00e9s financi\u00e8res d&rsquo;\u00e9tendre plus facilement les services qu&rsquo;elles proposent dans le monde entier. Elle a contribu\u00e9 \u00e0 faire entrer des milliards de personnes sans compte bancaire dans le syst\u00e8me financier moderne. La num\u00e9risation a transform\u00e9 le secteur financier, tant pour les \u00e9tablissements traditionnels que pour les entreprises fintech \u00e9mergentes, en apportant des services financiers aux personnes qui en ont besoin, o\u00f9 qu&rsquo;elles soient.<\/p>\n\n\n\n<p><em>Regardez l&rsquo;<\/em><a href=\"https:\/\/event.on24.com\/wcc\/r\/3064760\/478AD083ED4250342A6EA40F6B628B2D?utm_campaign=20210322_Global_SummitSeg5b_PostEvent_IdeasArticle_ToOn24OD_Session4&amp;utm_medium=ideas&amp;utm_source=Ideas&amp;std7=20210322_Global_SummitSeg5b_PostEvent_IdeasArticle_ToOn24OD_Session4&amp;std6=Ideas&amp;std5=ideas&amp;partnerref=ideas_sess4\"><em>enregistrement complet de la discussion ici<\/em><\/a><em>.\u00a0<\/em><\/p>\n\n\n\n<p><em>T.M. Brown est un journaliste, \u00e9crivain et animateur de podcast bas\u00e9 \u00e0 New York.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;avenir de la finance est plus \u00e9quitable, plus rapide et plus flexible<\/p>\n","protected":false},"author":2163,"featured_media":2371,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"template-single-archived.blade.php","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[274,1167,1163],"tags":[1127,41,1165,1166],"class_list":["post-2369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-growth-innovation","category-expert-insights-research-and-insights","category-research-and-insights","tag-finance","tag-innovation","tag-webinar-2","tag-wework-innovation-summit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.4 (Yoast SEO v25.3.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment l&#039;innovation est en train de transformer le secteur financier - Ideas (fr-FR)<\/title>\n<meta name=\"description\" content=\"L&#039;avenir de la finance est plus \u00e9quitable, plus rapide et plus flexible.\" \/>\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.wework.com\/fr-FR\/ideas\/growth-innovation\/how-innovation-is-transforming-the-financial-sector\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment l&#039;innovation est en train de transformer le secteur financier\" \/>\n<meta property=\"og:description\" content=\"L&#039;avenir de la finance est plus \u00e9quitable, plus rapide et plus flexible.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wework.com\/fr-FR\/ideas\/growth-innovation\/how-innovation-is-transforming-the-financial-sector\" \/>\n<meta property=\"og:site_name\" content=\"Ideas (fr-FR)\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-13T14:06:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-19T10:47:36+00:00\" \/>\n<meta name=\"author\" content=\"T.M. 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