{"id":24678,"date":"2020-11-18T19:00:27","date_gmt":"2020-11-18T18:00:27","guid":{"rendered":"https:\/\/acc.creditexpo.be\/\/?p=24678"},"modified":"2020-11-18T19:21:35","modified_gmt":"2020-11-18T18:21:35","slug":"quelles-banques-de-detail-europeennes-sont-les-plus-competitives-en-termes-de-proposition-digitale","status":"publish","type":"post","link":"https:\/\/acc.creditexpo.be\/fr\/quelles-banques-de-detail-europeennes-sont-les-plus-competitives-en-termes-de-proposition-digitale\/","title":{"rendered":"Quelles banques de d\u00e9tail europ\u00e9ennes sont les plus comp\u00e9titives en termes de proposition digitale ?"},"content":{"rendered":"<p>La derni\u00e8re \u00e9tude\u00a0D-Rating\u00a0de la proposition digitale de 58 marques Banque de D\u00e9tail (EURO-58) r\u00e9v\u00e8le que seules 14 banques de r\u00e9seau europ\u00e9ennes rivalisent aujourd\u2019hui avec les meilleures n\u00e9o-banques. Les r\u00e9sultats apportent plusieurs enseignements cl\u00e9s sur le paysage bancaire actuel et montrent\u00a0une forte disparit\u00e9 des performances\u00a0des grandes banques europ\u00e9ennes en mati\u00e8re de proposition digitale. Sur le march\u00e9 belge, Belfius et KBC se distinguent par une offre digitale \u00e0 la fois riche et efficace.<\/p>\n<p>L\u2019\u00e9tude compare l\u2019efficacit\u00e9 et la richesse de la proposition digitale des diff\u00e9rentes marques europ\u00e9ennes en analysant les parcours client (ouverture de compte, ex\u00e9cution d\u2019un virement, \u2026), les canaux de contact, les fonctionnalit\u00e9s et les offres bancaires disponibles sur les canaux digitaux.<\/p>\n<p><strong>Il en ressort 4 enseignements clefs\u00a0:<\/strong><\/p>\n<ul>\n<li>Seules 14 banques de r\u00e9seau figurant dans l\u2019EURO-58 de D-Rating rivalisent aujourd\u2019hui avec les meilleures n\u00e9o-banques en offrant une exp\u00e9rience digitale \u00e0 la fois riche et efficace.<\/li>\n<li>L\u2019ouverture en ligne d\u2019un compte bancaire peut engendrer une exp\u00e9rience tr\u00e8s diff\u00e9rente entre les diff\u00e9rentes banques. Ce parcours est aujourd\u2019hui 100% digital dans moins de 60% des banques de r\u00e9seau de l\u2019EURO-58. En comparaison, l\u2019int\u00e9gralit\u00e9 des banques \u2018digital-only\u2019 de l\u2019EURO-58 offrent un parcours d\u2019ouverture de compte 100% digital.<\/li>\n<li>Le temps moyen n\u00e9cessaire pour ouvrir un compte et disposer d\u2019une carte op\u00e9rationnelle varie de moins d\u20191 jour \u00e0 25 jours en fonction des marques de l\u2019EURO-58. Alors que les n\u00e9o-banques offrent g\u00e9n\u00e9ralement une carte virtuelle temporaire imm\u00e9diatement utilisable, seules 5 des 51 banques de r\u00e9seau de l\u2019EURO-58 offrent cette possibilit\u00e9.<\/li>\n<li>Bien que 48% des banques de l\u2019EURO-58 mettent en \u0153uvre un chatbot dans l\u2019espace priv\u00e9 des clients, cette technologie n\u2019est pas totalement ma\u00eetris\u00e9e. 37% des chatbots test\u00e9s n\u2019ont pas su r\u00e9pondre de fa\u00e7on pertinente \u00e0 la totalit\u00e9 des questions pos\u00e9es dans le cadre du processus de notation D-Rating.<\/li>\n<\/ul>\n<p><strong>Les banques belges et hollandaises sont globalement bien positionn\u00e9es<\/strong><\/p>\n<p>banques belges et hollandaises sont analys\u00e9es dans le rapport de D-Rating : ABN Amro (NL), Belfius (BE), BNP Paribas Fortis (BE), Bunq (NL), ING Belgium (BE), ING Netherlands (NL), KBC Bank (BE), Keytrade Bank (BE) et Rabobank (NL). Ces 9 marques pr\u00e9sentent pour la majorit\u00e9 d\u2019entre elles un bon positionnement en mati\u00e8re d\u2019efficacit\u00e9 de la proposition digitale. 4 marques se distinguent en offrant une proposition digitale \u00e0 la fois riche et efficace : Belfius (BE), Bunq (NL), KBC Bank (BE) et Rabobank (NL).<\/p>\n<p><strong>COVID-19: un acc\u00e9l\u00e9rateur de la digitalisation ?<\/strong><\/p>\n<p>La crise sanitaire actuelle accroit la pression sur les banques de d\u00e9tail. En t\u00e9moigne par exemple les derniers r\u00e9sultats d\u2019HSBC UK qui affiche une baisse d\u2019environ 19% de son r\u00e9sultat op\u00e9rationnel net et un cours de bourse divis\u00e9 par deux depuis le 1er\u00a0janvier. Observer l\u2019ensemble de ces contrastes sous le seul prisme de la performance num\u00e9rique serait \u00e9videmment r\u00e9ducteur. Il n\u2019emp\u00eache.<\/p>\n<p>\u00ab\u00a0La Covid a agi ces derniers mois comme un acc\u00e9l\u00e9rateur de la digitalisation des usages bancaires, et comme un r\u00e9v\u00e9lateur du niveau de pr\u00e9paration des diff\u00e9rentes enseignes \u00e0 ce basculement. Dans un contexte de restriction des acc\u00e8s et de la disponibilit\u00e9 des agences bancaires physiques, la proposition digitale des banques &#8211; en particulier leur capacit\u00e9 \u00e0 offrir des canaux digitaux riches en fonctionnalit\u00e9s et efficaces en termes de parcours clients &#8211; devient un atout concurrentiel majeur\u00a0\u00bb, explique\u00a0Didier Farjon, CEO de D-Rating.<\/p>\n<p><a href=\"http:\/\/email.finn.agency\/c\/eJw9z82KgzAUhuGr0Z3h_HlyXGQhHXobQ2KSVuioqIXp3Y-rgW_7wPfmAJo4De0cCAgQoQcTQHXolJHYZMTh1o9f7BuBOi-Li4-yTJ_2GYiUCfMgXKpNRX0xTwXTINFPprl9hed5bkfDY0P3a_USGs26LJA60WpdRIudpoHIvGfs2b2Pvc6vcrhp_bnM-5H_5TdVEMboJWWWKGSgRSWZSJYIfXRbru0e5qWu19tpL3k-y--2ulTaM1xxCOL_AO71Q0U\" target=\"_blank\" rel=\"noopener noreferrer\">L\u2019article d\u00e9taill\u00e9 de D-Rating est disponible \u00e0 cette adresse.<\/a><\/p>\n<p>Source: Creditexpo.be<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La derni\u00e8re \u00e9tude\u00a0D-Rating\u00a0de la proposition digitale de 58 marques Banque de D\u00e9tail (EURO-58) r\u00e9v\u00e8le que seules 14 banques de r\u00e9seau europ\u00e9ennes rivalisent aujourd\u2019hui avec les meilleures n\u00e9o-banques. Les r\u00e9sultats apportent plusieurs enseignements cl\u00e9s sur le paysage bancaire actuel et montrent\u00a0une forte disparit\u00e9 des performances\u00a0des grandes banques europ\u00e9ennes en mati\u00e8re de proposition digitale. Sur le march\u00e9 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":21560,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post--24678","post","post--type-post","post--status-publish","post--format-standard","post--has-post-thumbnail","post--hentry","post--category-general"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quelles banques de d\u00e9tail europ\u00e9ennes sont les plus comp\u00e9titives en termes de proposition digitale ? - Credit Expo Belgi\u00eb<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acc.creditexpo.be\/\/fr\/quelles-banques-de-detail-europeennes-sont-les-plus-competitives-en-termes-de-proposition-digitale\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quelles banques de d\u00e9tail europ\u00e9ennes sont les plus comp\u00e9titives en termes de proposition digitale ? - Credit Expo Belgi\u00eb\" \/>\n<meta property=\"og:description\" content=\"La derni\u00e8re \u00e9tude\u00a0D-Rating\u00a0de la proposition digitale de 58 marques Banque de D\u00e9tail (EURO-58) r\u00e9v\u00e8le que seules 14 banques de r\u00e9seau europ\u00e9ennes rivalisent aujourd\u2019hui avec les meilleures n\u00e9o-banques. Les r\u00e9sultats apportent plusieurs enseignements cl\u00e9s sur le paysage bancaire actuel et montrent\u00a0une forte disparit\u00e9 des performances\u00a0des grandes banques europ\u00e9ennes en mati\u00e8re de proposition digitale. 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