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Digital players in the financial sector: between specialisation and diversification
[Les acteurs numériques de la finance : entre spécialisation et diversification]

Author

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

Abstract

The customer base of digital financial players is rapidly expanding. The sector is characterised by a wide variety of business models. Among the players analysed over the 2018-20 period, the "100% digital" ones have become profitable because of their specialisation approach and their ability to develop strategic partnerships, while the traditional players have instead sought to diversify their customer base. La clientèle des acteurs numériques de la finance est en forte croissance. Ce secteur se caractérise par une grande variété de modèles d’activité. Parmi les acteurs analysés sur la période 2018-2020, les "100% numériques" sont devenus rentables grâce à une dynamique de spécialisation et à leur capacité à développer des partenariats stratégiques, tandis que les acteurs traditionnels ont plutôt cherché à élargir leur clientèle.

Suggested Citation

  • Laurent Clerc & Timothée Dufour & Pierre Harguindeguy & Stefano Ungaro, . "Digital players in the financial sector: between specialisation and diversification [Les acteurs numériques de la finance : entre spécialisation et diversification]," Eco Notepad (in progress), Banque de France.
    • Handle: RePEc:bfr:econot:305
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