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Les acteurs numériques de la finance : un pas vers la rentabilité ?

Author

Listed:
  • Laurent Clerc
  • Pierre Harguindeguy
  • Stefano Ungaro
  • Timothée Dufour

Abstract

Cette troisième étude de l’Autorité de contrôle prudentiel et de résolution (ACPR) consacrée aux acteurs et intermédiaires financiers proposant des services en ligne ou accessibles via des transactions 100 % mobiles vise à caractériser leurs modèles d’affaires et à évaluer leur rentabilité en lien avec leurs stratégies commerciales. Elle permet également de mieux comprendre le positionnement de ces acteurs dans le marché de l’intermédiation bancaire et financière, la nature de leurs relations avec les banques traditionnelles et, ainsi, le degré de transformation du paysage bancaire en France.

Suggested Citation

  • Laurent Clerc & Pierre Harguindeguy & Stefano Ungaro & Timothée Dufour, 2022. "Les acteurs numériques de la finance : un pas vers la rentabilité ?," Analyse et synthèse 142, Banque de France.
    • Handle: RePEc:bfr:analys:142
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    File URL: https://acpr.banque-france.fr/sites/default/files/medias/documents/20220824_acteurs-numeriques_1.pdf
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    More about this item

    Keywords

    banque; concurrence bancaire; nouveaux intermédiaires numériques; numérisation; innovation; Fintech; plateformes numériques Fintech; digital platform;
    All these keywords.

    JEL classification:

    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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