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Innovation, concurrence et réglementation pour la fourniture de services bancaires en ligne

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  • Marianne Verdier

Abstract

The development of online banking services impacts competition in retail banking markets. Several non-banks (mobile network operators, merchants, start-ups, platforms) have started to offer payment services, to act as intermediaries between lenders and borrowers or to collect financial data about consumers. Regulatory authorities have therefore adapted the existing legal framework to encourage entry, while protecting consumers from the various risks that could emerge in the market. This article surveys the links between innovation, competition and regulation in the market for online banking services. Classification JEL: E42, G21, L96, O33.

Suggested Citation

  • Marianne Verdier, 2015. "Innovation, concurrence et réglementation pour la fourniture de services bancaires en ligne," Revue d'économie financière, Association d'économie financière, vol. 0(4), pages 67-80.
    • Handle: RePEc:cai:refaef:ecofi_120_0067
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    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L96 - Industrial Organization - - Industry Studies: Transportation and Utilities - - - Telecommunications
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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