{"id":7847,"date":"2015-06-18T11:28:57","date_gmt":"2015-06-18T10:28:57","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=7847"},"modified":"2015-06-18T11:30:11","modified_gmt":"2015-06-18T10:30:11","slug":"moyens-de-paiement-les-francais-attendent-plus-de-leur-banque","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2015\/06\/moyens-de-paiement-les-francais-attendent-plus-de-leur-banque\/","title":{"rendered":"Moyens de paiement : les Fran\u00e7ais attendent plus de leur banque"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Repr\u00e9sentant pr\u00e8s de 15% du PNB des banques, les moyens de paiement apparaissaient hier encore comme une source de profit p\u00e9renne pour les banques. Aujourd\u2019hui, 80% des clients citent la gestion des comptes et des op\u00e9rations de paiement comme le r\u00f4le le plus important de la banque, <a href=\"http:\/\/www.bankobserver-solucom.fr\/\">selon l&#8217;enqu\u00eate Solucom &#8211; OpinionWay r\u00e9alis\u00e9e aupr\u00e8s de plus de 2000 Fran\u00e7ais<\/a>. Pourtant, le changement de contexte &#8211; d\u00e9veloppement de l\u2019e-commerce et de l\u2019internet mobile, \u00e9volution des comportements clients, d\u00e9r\u00e9gulation &#8211; leur oppose une concurrence renouvel\u00e9e port\u00e9e par des acteurs non-bancaires.<\/em><\/p>\n<h2 style=\"text-align: justify;\"><strong>PayPal, PayLib : un r\u00e9flexe qui s\u2019installe<\/strong><\/h2>\n<p style=\"text-align: justify;\"><a href=\"ban\">Selon l&#8217;enqu\u00eate<\/a>, 97% des Fran\u00e7ais disposent au moins d\u2019une carte bancaire classique (type Visa ou MasterCard),\u00a036% en ont plusieurs. 95% des cyberacheteurs l\u2019utilisent pour leurs achats en ligne. N\u00e9anmoins, pour ces m\u00eames achats en ligne, <strong>plus d\u2019 1 sur 2 (52%) d\u00e9clare utiliser fr\u00e9quemment des solutions de paiement s\u00e9curis\u00e9es<\/strong>, au 1<sup>er<\/sup> rang desquelles se trouve le leader incontest\u00e9 PayPal. Dans le giron d\u2019eBay depuis 2002 et rassemblant plus de 7 millions d\u2019utilisateurs, PayPal fait figure de poids lourd dans ce secteur\u2026non sans r\u00e9action de la part des banques. Le rassemblement de BNP Paribas, La Banque Postale et la Soci\u00e9t\u00e9 G\u00e9n\u00e9rale autour de PayLib, tr\u00e8s r\u00e9cemment rejointes par le Cr\u00e9dit Agricole, en est l\u2019exemple embl\u00e9matique. Une r\u00e9action en phase avec les attentes exprim\u00e9es par les Fran\u00e7ais, qui citent \u00e0 60% leur banque <strong>comme l\u2019acteur le plus apte \u00e0 assurer la s\u00e9curit\u00e9 de leurs transactions<\/strong>.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Le NFC encore \u00e0 la marge <\/strong><\/h2>\n<p style=\"text-align: justify;\">Annonc\u00e9 comme un vecteur de fluidit\u00e9 pour le consommateur, le NFC (<em>Near Field Communication<\/em> ou communication sans contact<em>)<\/em> <strong>peine \u00e0 trouver son public dans le cadre du paiement<\/strong>.<\/p>\n<p style=\"text-align: justify;\">1 Fran\u00e7ais sur 3 se d\u00e9clare \u00e9quip\u00e9 d\u2019une carte de paiement sans contact, alors que pr\u00e8s de 50% des clients en disposent r\u00e9ellement, selon l\u2019Observatoire du NFC. Dans plus de 80% des cas, le NFC est attribu\u00e9 automatiquement au renouvellement de la carte bancaire, sans information sp\u00e9cifique. Si elles veulent en g\u00e9n\u00e9raliser l\u2019usage, les banques devront donc fournir un r\u00e9el effort de p\u00e9dagogie et de communication.<\/p>\n<p style=\"text-align: justify;\"><a href=\"http:\/\/www.bankobserver-solucom.fr\/\">Seul 1% des Fran\u00e7ais envisage leur t\u00e9l\u00e9phone comme un terminal de paiement potentiel<\/a> pour les achats de faible montant. Pourtant, <strong>le paiement via smartphone, semble incontournable avec le d\u00e9veloppement du m-commerce<\/strong>. Un terrain sur lequel beaucoup d\u2019acteurs non-bancaires se sont d\u00e9j\u00e0 engag\u00e9s avec des propositions telles qu\u2019Apple Pay, Orange Cash ou flash\u2019Npay imagin\u00e9e par Auchan et un domaine o\u00f9 70% des Fran\u00e7ais attendent une prise de position de leur banque.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Le d\u00e9fi des banques\u00a0: s\u2019unir et innover pour mieux r\u00e9sister<\/strong><\/h2>\n<p style=\"text-align: justify;\">Sur le terrain des moyens de paiement, le prochain d\u00e9fi des banques est plus que jamais celui de <strong>la simplicit\u00e9, de la fluidit\u00e9 et de l\u2019innovation dans les services associ\u00e9s<\/strong>. Les grandes enseignes bancaires pourraient user de leur l\u00e9gitimit\u00e9 sur le secteur du paiement, pour \u00eatre davantage pr\u00e9sentes sur tous les types de supports (carte bancaire, smartphone,\u2026) et situations de paiement, en ligne, en points de vente physiques et de particulier \u00e0 particulier.<\/p>\n<p style=\"text-align: justify;\">Aujourd&#8217;hui, cr\u00e9er de la valeur suppl\u00e9mentaire autour du paiement pourrait donc \u00eatre une voie \u00e0 suivre pour les banques. Une strat\u00e9gie qui gagnerait \u00e0 \u00eatre renforc\u00e9e par des accords inter-banques et des partenariats pour r\u00e9sister aux g\u00e9ants du web qui donnent un nouveau visage \u00e0 la concurrence.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Repr\u00e9sentant pr\u00e8s de 15% du PNB des banques, les moyens de paiement apparaissaient hier encore comme une source de profit p\u00e9renne pour les banques. Aujourd\u2019hui, 80% des clients citent la gestion des comptes et des op\u00e9rations de paiement comme le&#8230;<\/p>\n","protected":false},"author":247,"featured_media":7848,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1729],"tags":[533,2365],"coauthors":[1554],"class_list":["post-7847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banque","tag-banque","tag-moyens-de-paiement"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Moyens de paiement : les Fran\u00e7ais attendent plus de leur banque - RiskInsight<\/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.riskinsight-wavestone.com\/en\/2015\/06\/moyens-de-paiement-les-francais-attendent-plus-de-leur-banque\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Moyens de paiement : les Fran\u00e7ais attendent plus de leur banque - RiskInsight\" \/>\n<meta property=\"og:description\" content=\"Repr\u00e9sentant pr\u00e8s de 15% du PNB des banques, les moyens de paiement apparaissaient hier encore comme une source de profit p\u00e9renne pour les banques. 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