{"id":7468,"date":"2024-02-02T16:46:51","date_gmt":"2024-02-02T08:46:51","guid":{"rendered":"https:\/\/www.moneythor.com\/?p=7468"},"modified":"2024-03-04T20:06:58","modified_gmt":"2024-03-04T12:06:58","slug":"quest-ce-que-la-banque-ouverte","status":"publish","type":"post","link":"https:\/\/www.moneythor.com\/fr\/technologie\/banque-numerique\/quest-ce-que-la-banque-ouverte\/","title":{"rendered":"Qu\u2019est-ce que l\u2019Open Banking ?"},"content":{"rendered":"<p>L&#039;Open Banking implique le partage s\u00e9curis\u00e9 de donn\u00e9es et de services financiers avec des tiers via des API ouvertes. Cette collaboration implique l&#039;\u00e9change de donn\u00e9es avec des fournisseurs tiers (TPP), alimentant l&#039;innovation au sein du secteur des services financiers. Pour les clients, cela signifie qu\u2019ils peuvent d\u00e9cider de partager leurs donn\u00e9es bancaires avec des parties externes afin de regrouper les donn\u00e9es de plusieurs comptes en un seul endroit. Les institutions \u00e9tablies et les acteurs \u00e9mergents tirent parti de cette approche ouverte pour faire progresser une industrie qui a d\u00fb faire face \u00e0 des difficult\u00e9s pour suivre le rythme de la num\u00e9risation observ\u00e9e dans d\u2019autres secteurs.<\/p>\n\t<div id=\"text-981177396\" class=\"text\">\n\t\t\n<h2><span data-text-color=\"secondary\"><strong>Comment fonctionne l\u2019open banking dans le monde ?<\/strong><\/span><\/h2>\n\t\t\n<style>\n#text-981177396 {\n  font-size: 0.85rem;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row align-middle\"  id=\"row-1437064209\">\n\n\t<div id=\"col-391818864\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<p>l&#039;Europe <a href=\"https:\/\/www.bbva.com\/en\/everything-need-know-psd2\/\">DSP2<\/a> la r\u00e9glementation et l&#039;Open Banking Standard du Royaume-Uni, sont souvent consid\u00e9r\u00e9s comme le d\u00e9but de l&#039;Open Banking. Depuis lors, le paysage a \u00e9volu\u00e9 et les initiatives d\u2019Open Banking sont devenues monnaie courante \u00e0 l\u2019\u00e9chelle mondiale, chacune s\u2019adaptant aux march\u00e9s locaux, aux objectifs politiques et s\u2019\u00e9tendant m\u00eame \u00e0 des approches intersectorielles au-del\u00e0 de la finance.<\/p>\n<p>En dehors de l\u2019Union europ\u00e9enne, les strat\u00e9gies d\u2019Open Banking peuvent \u00eatre largement class\u00e9es en approches ax\u00e9es sur le march\u00e9 ou ax\u00e9es sur la r\u00e9glementation. Dans des pays comme l\u2019Inde, le Japon, Singapour et la Cor\u00e9e du Sud, les d\u00e9cideurs politiques mettent en \u0153uvre des mesures pour encourager le partage de donn\u00e9es dans le secteur bancaire. L&#039;Autorit\u00e9 mon\u00e9taire de Singapour (MAS) a publi\u00e9 un manuel API pour faciliter l&#039;\u00e9change de donn\u00e9es entre les banques et les FinTech, tandis que l&#039;Agence des services financiers (FSA) du Japon a rendu obligatoire l&#039;autorisation TPP, obligeant les banques \u00e0 publier des politiques d&#039;API ouverte. De m\u00eame, l\u2019Australie et Hong Kong ont opt\u00e9 pour une approche r\u00e9glementaire. L&#039;Autorit\u00e9 mon\u00e9taire de Hong Kong a introduit un cadre API ouvert, d\u00e9crivant une mise en \u0153uvre progressive pour les banques. L&#039;Australie <a href=\"https:\/\/www.cdr.gov.au\/resources\/guides\/consumer-data-right-legislation\">Loi sur le droit des donn\u00e9es des consommateurs<\/a> (CDR) adopte une position unique, \u00e9tant une initiative de politique de donn\u00e9es plut\u00f4t que uniquement une initiative de services financiers. Le CDR s&#039;\u00e9tend au-del\u00e0 du secteur bancaire et s&#039;\u00e9tend \u00e0 des secteurs tels que l&#039;\u00e9nergie et les t\u00e9l\u00e9communications.<\/p>\n<p>Les \u00c9tats-Unis ont adopt\u00e9 une approche ax\u00e9e sur le march\u00e9, les grandes banques reconnaissant l\u2019importance strat\u00e9gique de l\u2019Open Banking. Malgr\u00e9 l\u2019absence d\u2019initiatives gouvernementales significatives, les banques d\u00e9veloppent des offres bas\u00e9es sur des API via des partenariats avec des tiers.<\/p>\n<p>\u00a0<\/p>\n\t<div id=\"text-1779623607\" class=\"text\">\n\t\t\n<h2><span data-text-color=\"secondary\"><strong>Quels sont les avantages de l\u2019Open Banking ?<\/strong><\/span><\/h2>\n\t\t\n<style>\n#text-1779623607 {\n  font-size: 0.85rem;\n}\n<\/style>\n\t<\/div>\n\t\n<h3><span data-text-color=\"primary\"><strong>Pour les clients:<\/strong><\/span><\/h3>\n<ol>\n<li><strong>Des informations agr\u00e9g\u00e9es en un seul endroit<\/strong><\/li>\n<\/ol>\n<p>L&#039;Open Banking permet aux clients de consolider leurs informations financi\u00e8res provenant de divers comptes et institutions en un seul endroit, souvent via une seule application ou plateforme. Cela fournit une vue compl\u00e8te de leur sant\u00e9 financi\u00e8re, facilitant ainsi la gestion des budgets, le suivi des d\u00e9penses et la planification pour l\u2019avenir.<\/p>\n<ol start=\"2\">\n<li><strong>Acc\u00e8s \u00e0 une gamme plus large de services financiers<\/strong><\/li>\n<\/ol>\n<p>Avec Open Banking, les clients ont acc\u00e8s \u00e0 une gamme \u00e9largie de produits et services financiers. En capitalisant sur les collaborations entre les institutions financi\u00e8res et les prestataires de services fintech, les clients peuvent d\u00e9couvrir des solutions mieux adapt\u00e9es \u00e0 leurs besoins, notamment dans des domaines tels que la gestion budg\u00e9taire, les investissements, les pr\u00eats et les assurances.<\/p>\n<h3><span data-text-color=\"primary\"><strong>Pour les banques :<\/strong><\/span><\/h3>\n<ol>\n<li><strong>Acc\u00e8s \u00e0 des informations suppl\u00e9mentaires sur les clients<\/strong><\/li>\n<\/ol>\n<p>Avec l\u2019Open Banking, les banques peuvent acc\u00e9der \u00e0 un ensemble plus large de donn\u00e9es clients, au-del\u00e0 de ce qui est traditionnellement disponible via leurs propres canaux. Cette vue globale permet aux banques de mieux comprendre le comportement, les pr\u00e9f\u00e9rences et les besoins financiers des clients. Ces informations bas\u00e9es sur les donn\u00e9es sont utiles pour personnaliser les services et am\u00e9liorer les relations clients.<\/p>\n<ol start=\"2\">\n<li><strong>Possibilit\u00e9 de ventes crois\u00e9es\/ventes incitatives en fonction du comportement d&#039;autres comptes<\/strong><\/li>\n<\/ol>\n<p>L&#039;Open Banking permet aux banques d&#039;analyser les donn\u00e9es de transaction de leurs clients sur diff\u00e9rents comptes, fournissant ainsi des informations sur les habitudes de d\u00e9penses et le comportement financier. Ces informations peuvent \u00eatre exploit\u00e9es pour proposer des produits financiers cibl\u00e9s et pertinents, conduisant \u00e0 des opportunit\u00e9s efficaces de ventes crois\u00e9es et de ventes incitatives. Par exemple, une banque peut sugg\u00e9rer une carte de cr\u00e9dit plus adapt\u00e9e en fonction des habitudes de d\u00e9penses d&#039;un client.<\/p>\n<ol start=\"3\">\n<li><strong>Lorsqu\u2019elles sont correctement mises en \u0153uvre, les banques peuvent utiliser l\u2019Open Banking comme un USP qui contribue \u00e0 accro\u00eetre la rentabilit\u00e9.<\/strong><\/li>\n<\/ol>\n<p>Lorsqu\u2019il est correctement mis en \u0153uvre, l\u2019Open Banking peut devenir un USP pour les banques. Offrir un \u00e9cosyst\u00e8me financier convivial et complet int\u00e9grant des services tiers peut attirer et fid\u00e9liser les clients. La capacit\u00e9 \u00e0 fournir des solutions innovantes et une exp\u00e9rience bancaire fluide peut se traduire par une fid\u00e9lisation accrue de la client\u00e8le, l&#039;attraction de nouveaux clients et, \u00e0 terme, la rentabilit\u00e9 de la banque.<\/p>\n\t<div id=\"text-2772722826\" class=\"text\">\n\t\t\n<h2><span data-text-color=\"secondary\"><strong>Conclusion<\/strong><\/span><\/h2>\n\t\t\n<style>\n#text-2772722826 {\n  font-size: 0.85rem;\n}\n<\/style>\n\t<\/div>\n\t\n<p>Les initiatives d\u2019Open Banking en sont \u00e0 diff\u00e9rents stades de mise en \u0153uvre sur les march\u00e9s, et les entreprises et les r\u00e9gulateurs doivent faire davantage pour sensibiliser les consommateurs et atteindre une plus grande \u00e9chelle. Cela est vrai m\u00eame sur des march\u00e9s comme le Royaume-Uni, o\u00f9 les r\u00e9glementations sur l\u2019Open Banking sont d\u00e9j\u00e0 pleinement \u00e9tablies.<\/p>\n<p>Le <a href=\"https:\/\/www.moneythor.com\/fr\/solution\/monetiser-lopportunite-de-lopen-banking\/\">Plateforme Moneythor<\/a>, gr\u00e2ce au traitement des donn\u00e9es Open Banking obtenues avec le consentement des clients aupr\u00e8s de diverses institutions financi\u00e8res, permet aux banques num\u00e9riques de cr\u00e9er des exp\u00e9riences personnalis\u00e9es. Ces exp\u00e9riences offrent aux clients un aper\u00e7u approfondi de leurs finances tout en offrant aux institutions financi\u00e8res la possibilit\u00e9 d&#039;am\u00e9liorer leurs campagnes marketing. Alors que l\u2019Open Banking est de plus en plus adopt\u00e9, la plateforme Moneythor vise \u00e0 responsabiliser les consommateurs, en leur permettant de prendre le contr\u00f4le de leurs finances et de prendre des d\u00e9cisions plus \u00e9clair\u00e9es.<\/p>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"text-4238647012\" class=\"text\">\n\t\t\n<h2 style=\"text-align: center;\"><span data-text-color=\"secondary\"><strong>En savoir plus sur l\u2019Open Banking<\/strong><\/span><\/h2>\n\t\t\n<style>\n#text-4238647012 {\n  font-size: 0.85rem;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"is-divider divider clearfix\" style=\"margin-top:0.5em;margin-bottom:0.5em;max-width:0px;height:4px;background-color:rgb(242, 192, 40);\"><\/div>\n<div class=\"row\"  id=\"row-1686568021\">\n\n\t<div id=\"col-98275347\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" >\n\t\t\t<a href=\"https:\/\/www.moneythor.com\/fr\/2020\/09\/02\/banque-ouverte-mondiale-2-0\/?utm_source=blog&#038;utm_medium=organic&#038;utm_campaign=open_banking_dbd\" >\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1200\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3.png\" class=\"attachment- size-\" alt=\"3\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3.png 1000w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3-500x600.png 500w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3-853x1024.png 853w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3-768x922.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/a>\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n<p>Lisez notre guide sur la fa\u00e7on dont l&#039;Open Banking s&#039;est d\u00e9velopp\u00e9 \u00e0 l&#039;\u00e9chelle mondiale<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1059210318\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" >\n\t\t\t<a href=\"https:\/\/www.moneythor.com\/fr\/2020\/04\/08\/comment-lopen-banking-peut-il-aider-les-banques-a-servir-le-marche-des-pme\/?utm_source=blog&#038;utm_medium=organic&#038;utm_campaign=open_banking_dbd\" >\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1200\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4.png\" class=\"attachment- size-\" alt=\"4\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4.png 1000w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4-500x600.png 500w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4-853x1024.png 853w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4-768x922.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/a>\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n<p>En savoir plus sur la mani\u00e8re dont l&#039;Open Banking peut aider les banques \u00e0 servir le march\u00e9 des PME<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1059210318 > .col-inner {\n  margin: 0px 0px -34px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"is-divider divider clearfix\" style=\"margin-top:3.0em;margin-bottom:3.0em;max-width:0px;height:0px;background-color:rgb(242, 192, 40);\"><\/div>\n\t<div class=\"img has-hover sg-popup-id-8342 x md-x lg-x y md-y lg-y\" id=\"image_186383099\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"299\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png\" class=\"attachment-large size-large\" alt=\"Abonnez-vous \u00e0 la newsletter Moneythor\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png 1024w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING-768x225.png 768w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_186383099 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Open Banking involves the secure sharing of financial data and services with third parties through open APIs. This collaboration involves the exchange of data with third-party providers (TPP), fuelling innovation within the financial services industry. For customers, it means that they can decide to share their banking data with external parties to help aggregate data [&#8230;]\n","protected":false},"author":11,"featured_media":8402,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[279,64],"tags":[],"class_list":["post-7468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-digital-banking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Open Banking?<\/title>\n<meta name=\"description\" content=\"Discover more on Open Banking, how it has developed globally and how it can benefit both banks and it&#039;s customers\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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