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Le big data et la banque

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  • Pierre Metge

Abstract

Information on individuals behavior has never been so important and available thanks to the numerous data (big data) provided by the web and the power of computing and analysis (advanced analytics). Mastering data and analytics is now a competitive advantage giving rise to opportunities: optimizating existing operating models, breaking present value chains and building new business models. Even if big data is potentially a threat for banking business models by lowering entry barriers and reducing information asymmetries, banks can nonetheless rely on strong assets such as numerous, secured and reliable data. What is at stake is building a performing, responsible and ethical use of personal data so as to supply customers with relevant and customized offers in a proactive way through the retail channel. Classification JEL: G21, L25, O33.

Suggested Citation

  • Pierre Metge, 2015. "Le big data et la banque," Revue d'économie financière, Association d'économie financière, vol. 0(2), pages 93-101.
    • Handle: RePEc:cai:refaef:ecofi_118_0093
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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
    • 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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