{"id":14488,"date":"2021-01-11T00:00:00","date_gmt":"2021-01-11T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/la-finance-est-prete-pour-la-transformation-technologique\/"},"modified":"2026-05-12T11:48:58","modified_gmt":"2026-05-12T11:48:58","slug":"la-finance-est-prete-pour-la-transformation-technologique","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/perspectives\/la-finance-est-prete-pour-la-transformation-technologique\/","title":{"rendered":"La finance est pr\u00eate pour la transformation technologique"},"content":{"rendered":"<p>With technology evolving at dizzying speeds, the future successes of the <a href=\"https:\/\/alj.com\/en\/financial-services\/\">financial services<\/a> industry will be dictated by who can capitalize on these changes most quickly and exploit them with maximum impact.\u00a0<\/p>\n<p>Gone is the image that finance firms used to project: of stolid, august institutions, standing steady against the changing trends of the world around them.<\/p>\n<p>Instead, today\u2019s financial services businesses must, by necessity, present a more dynamic persona; one nimble enough to meet the fast-changing needs of consumers, while making the most of the latest innovations.<\/p>\n<p>Technology is both a driver and enabler of this revolution. \u00a0Traditional banks have lost ground \u2013 and custom \u2013 to the Big Tech behemoths: to Apple, Google, Facebook, Microsoft, Amazon and others. \u00a0Similarly, startups have struggled to maintain momentum against these industry titans who, by their very nature, have their finger on the button of . . .\u00a0 well, everything!<\/p>\n<p>Each of these Big Tech \u2018disruptors\u2019 have proved hyper-responsive to changing patterns of behavior.\u00a0 Each comes ready-equipped with the technology to slip effortlessly into new markets.\u00a0 It\u2019s a formidable proposition for both financial services mainstays and startups alike to counter.<\/p>\n<p>Understanding this new technological environment, while incorporating its infinite possibilities into existing practices, is vital for navigating the future financial services landscape.\u00a0 Not just for businesses, but for customers, too.\u00a0 The last few years have seen a fundamental reinvention of the way we , as individuals, interact with our finances. \u00a0There have been huge benefits for the customer, but also considerable challenges and opportunities for providers. \u00a0And the tech transformation is only just beginning.<\/p>\n<h2>How innovation will become <em>embedded<\/em><\/h2>\n<p>If financial services providers don\u2019t adapt quickly enough to changing consumer needs, Big Tech firms categorically will. \u00a0At a consumer level, consider the declining use of ATMs for cash withdrawals or deposits. \u00a0A decade ago, cash was used in six out of 10 transactions, but by 2019 it was used in fewer than three in 10 purchases<a href=\"#_ftn1\"\n\n\n\n\n\n<p>https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<br \/>\nhttps:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T<\/p>\n<p>https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<br \/>\nhttps:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers.<\/p>\n","protected":false},"featured_media":14473,"menu_order":0,"template":"","class_list":["post-14488","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - 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finance est pr\u00eate pour la transformation technologique"}]},{"@type":"WebSite","@id":"https:\/\/10.0.2.222\/en\/#website","url":"https:\/\/10.0.2.222\/en\/","name":"Abdul Latif Jameel","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/10.0.2.222\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"}]}},"post-meta-fields":{"_wp_page_template":["default"],"_published_date":["field_6057129b493f5"],"published_date":["20210111"],"_location":["field_601267396ce72"],"location":["Dubai, EAU"],"_featured":["field_601a3b473c5c5"],"featured":["0"],"_footnotes":["field_66fd39afb9383"],"footnotes":["<a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.bbc.co.uk\/news\/business-54545830\">Will we be getting our cash from shops, not ATMs? - BBC News<\/a>\r\n\r\n<a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf\">https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<\/a>\r\n\r\n<a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T\">https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T<\/a>\r\n\r\n<a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers\">https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers<\/a>.\r\n\r\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/\">https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/<\/a>\r\n\r\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005\">https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005<\/a>"],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["Services financiers"],"_content_series":["field_66fe3c439f8f6"],"content_series":[""],"_old_post_id":["field_66fe3fd59f8f7"],"old_post_id":["83136"],"_short_title":["field_60925d67125ef"],"short_title":["La finance est pr\u00eate pour la transformation technologique"],"_summary":["field_6019304103a20"],"summary":["<p>La technologie \u00e9voluant \u00e0 une vitesse vertigineuse, les succ\u00e8s futurs du secteur des services financiers seront dict\u00e9s par ceux qui sauront tirer le plus rapidement parti de ces changements et les exploiter avec un impact maximal.<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"mobile_featured_image":["https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Financial-technology-transformation.jpg"],"_push_notification":["field_66f6b47de65f1"],"push_notification":[""],"_publish_mobile":["field_66f6b491e65f2"],"publish_mobile":["0"],"_status":["field_652694983fe12"],"status":["publish"],"_thumbnail_id":["14473"],"_wpml_word_count":["{\"total\":3082,\"to_translate\":{\"ar\":3082,\"zh-hans\":3082,\"fr\":3082,\"ja\":3082,\"es\":3082,\"tr\":3082}}"],"_last_translation_edit_mode":["native-editor"],"amazonS3_cache":["a:58:{s:75:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/nilufer-gunhan.jpg\";a:2:{s:2:\"id\";s:5:\"17332\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/nilufer-gunhan.jpg\";a:2:{s:2:\"id\";s:5:\"17332\";s:11:\"source_type\";s:13:\"media-library\";}s:107:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Fintechs-Views-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17339\";s:11:\"source_type\";s:13:\"media-library\";}s:109:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Fintechs-Views-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17339\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:88:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:68:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech-300x200.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:70:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech-300x200.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:111:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Unlocking-Pathways-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17340\";s:11:\"source_type\";s:13:\"media-library\";}s:113:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Unlocking-Pathways-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17340\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:79:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:107:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Global-Venture-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17341\";s:11:\"source_type\";s:13:\"media-library\";}s:109:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Global-Venture-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17341\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-1024x576.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:89:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-1024x576.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/4577532847_082ca76cb6_k-1.jpeg\";a:2:{s:2:\"id\";s:4:\"3893\";s:11:\"source_type\";s:13:\"media-library\";}s:89:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/4577532847_082ca76cb6_k-1.jpeg\";a:2:{s:2:\"id\";s:4:\"3893\";s:11:\"source_type\";s:13:\"media-library\";}s:100:\"\/\/cms.alj3.clients.lemonhq.io\/wp-co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technologie \u00e9voluant \u00e0 une vitesse vertigineuse, les succ\u00e8s futurs du secteur des services financiers seront dict\u00e9s par ceux qui sauront tirer le plus rapidement parti de ces changements et les exploiter avec un impact maximal.<\/p>\r\n<p>L\u2019image v\u00e9hicul\u00e9e par les soci\u00e9t\u00e9s de financement est aujourd\u2019hui r\u00e9volue\u00a0: celle d\u2019institutions v\u00e9n\u00e9rables solides, oppos\u00e9es aux nouvelles tendances du monde qui les entoure.<\/p>\r\n<p>Au contraire, les entreprises de services financiers actuelles doivent, par n\u00e9cessit\u00e9, faire preuve d\u2019une attitude plus dynamique, suffisamment agile pour r\u00e9pondre aux besoins en constante \u00e9volution des consommateurs, tout en exploitant au mieux les derni\u00e8res innovations.<\/p>\r\n<p>La technologie est \u00e0 la fois un moteur et un catalyseur de cette r\u00e9volution. Les banques traditionnelles ont perdu du terrain (et de la pratique) face aux mastodontes de la Big\u00a0Tech\u00a0: Apple, Google, Facebook, Microsoft, Amazon, etc. De m\u00eame, les start-up ont peine \u00e0 maintenir leur \u00e9lan face \u00e0 ces titans de l\u2019industrie qui, par nature, tirent les ficelles de... Eh bien, de tout\u00a0!<\/p>\r\n<p>Chacune de ces soci\u00e9t\u00e9s novatrices de la Big\u00a0Tech s\u2019est r\u00e9v\u00e9l\u00e9e hyperr\u00e9active aux changements de comportement. Elles sont toutes \u00e9quip\u00e9es de la technologie n\u00e9cessaire pour p\u00e9n\u00e9trer sans effort de nouveaux march\u00e9s. C\u2019est une proposition formidable \u00e0 mettre en \u0153uvre, tant pour les piliers des services financiers que pour les start-up.<\/p>\r\n<p>Comprendre ce nouvel environnement technologique, tout en int\u00e9grant ses possibilit\u00e9s infinies dans les pratiques existantes, est vital pour naviguer dans le futur paysage des services financiers. Et ce, non seulement pour les entreprises, mais aussi pour les clients. Ces derni\u00e8res ann\u00e9es ont \u00e9t\u00e9 le th\u00e9\u00e2tre d\u2019une r\u00e9invention fondamentale de la mani\u00e8re dont nous, en tant qu\u2019individus, interagissons avec nos finances. Le client en a tir\u00e9 d\u2019\u00e9normes avantages, mais les fournisseurs ont \u00e9galement d\u00fb relever nombre de d\u00e9fis et saisir des opportunit\u00e9s. Et la transformation technologique ne fait que commencer.<\/p>\r\n<h2>L\u2019innovation sera <em>int\u00e9gr\u00e9e<\/em><\/h2>\r\n<p>Si les fournisseurs de services financiers ne s\u2019adaptent pas assez rapidement \u00e0 l\u2019\u00e9volution des besoins des consommateurs, la Big\u00a0Tech le fera sans h\u00e9siter. Au niveau du consommateur, on observe d\u00e9j\u00e0 un d\u00e9clin dans l\u2019utilisation des DAB pour les retraits ou d\u00e9p\u00f4ts d\u2019esp\u00e8ces. Il y a dix ans, l\u2019argent liquide \u00e9tait utilis\u00e9 dans six transactions sur dix, mais en\u00a02019, ce n\u2019est plus le cas que pour moins de trois achats sur dix<a href=\"#_ftn1\""],"_content":[""],"_wp_old_date":["2022-01-13"],"_edit_lock":["1778586899:22"],"_edit_last":["22"],"_ame_cpe_post_policy":["{\"accessProtection\":{\"active\":\"replace\"}}"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_yoast_wpseo_content_score":["90"],"_yoast_wpseo_estimated-reading-time-minutes":["2"]},"_links":{"self":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/perspectives\/14488","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/perspectives"}],"about":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/types\/perspectives"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/media\/14473"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/media?parent=14488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}