{"id":30004,"date":"2020-03-19T12:14:21","date_gmt":"2020-03-19T12:14:21","guid":{"rendered":"https:\/\/financial-afrik.com\/premium\/produit\/fa-13-banques-commerciales-lheure-de-la-transition-en-afrique\/"},"modified":"2020-03-19T12:15:08","modified_gmt":"2020-03-19T12:15:08","slug":"fa-13-banques-commerciales-lheure-de-la-transition-en-afrique","status":"publish","type":"product","link":"https:\/\/financial-afrik.com\/premium\/produit\/fa-13-banques-commerciales-lheure-de-la-transition-en-afrique\/","title":{"rendered":"FA 13 &#8211; Banques commerciales : L\u2019heure de la transition en Afrique"},"content":{"rendered":"<p><strong>La banque a chang\u00e9<\/strong><br \/>\nLa convergence entre Telecoms, IP internet et banque va sans doute faire dispara\u00eetre le r\u00e9seau physique des agences, si co\u00fbteux en charges. Ce n\u2019est pas \u00e9vident. Il y aura moins d\u2019employ\u00e9s dans les banques mais plus de pr\u00eats octroy\u00e9s \u00e0 l\u2019\u00e9conomie. De nombreuses fonctions back offices seront soient regroup\u00e9es, externalis\u00e9es ou robotis\u00e9es au nom de la logique des co\u00fbts. Le front office ira directement au devant du client dans le cadre des grands deals.<\/p>\n<p>Celui-ci consultera son compte, fera des transferts et diverses op\u00e9rations depuis son t\u00e9l\u00e9phone portable ou sa t\u00e9l\u00e9vision. Voil\u00e0, logiquement la banque de demain. En r\u00e9alit\u00e9, l\u2019\u00e9cosyst\u00e8me de la banque digitale est d\u00e9j\u00e0 l\u00e0. Cit\u00e9 par Les \u00c9chos, Francisco Gonz\u00e1lez, CEO de BBVA, estime que d\u2019ici dix ans et \u00e0 l\u2019\u00e9chelle mondiale, seule une centaine d\u2019acteurs bancaires r\u00e9sisteront \u00e0 cette d\u00e9ferlante num\u00e9rique. On le voit, la Britannique Lloyds qui supprime 150 agences pour d\u00e9gager des \u00e9conomies et pouvoir investir 1 milliard d\u2019euros dans ses services num\u00e9riques, c\u2019est la banque d\u2019aujourd\u2019hui. Le r\u00e9seau physique et ses co\u00fbts d\u2019immobilisation a montr\u00e9 ses limites. Une agence \u00e9conomique co\u00fbte 50 000 dollars par an au Maghreb.<\/p>\n","protected":false},"excerpt":{"rendered":"<p><strong>La banque a chang\u00e9<\/strong><br \/>\nLa convergence entre Telecoms, IP internet et banque va sans doute faire dispara\u00eetre le r\u00e9seau physique des agences, si co\u00fbteux en charges. Ce n\u2019est pas \u00e9vident. Il y aura moins d\u2019employ\u00e9s dans les banques mais plus de pr\u00eats octroy\u00e9s \u00e0 l\u2019\u00e9conomie. De nombreuses fonctions back offices seront soient regroup\u00e9es, externalis\u00e9es ou robotis\u00e9es au nom de la logique des co\u00fbts. Le front office ira directement au devant du client dans le cadre des grands deals.<\/p>\n","protected":false},"featured_media":30003,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"product_brand":[],"product_cat":[22],"product_tag":[42],"class_list":["post-30004","product","type-product","status-publish","has-post-thumbnail","product_cat-kiosque-fa","product_tag-numero-13-de-financial-afrik","first","instock","downloadable","virtual","purchasable","product-type-simple"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FA 13 - Banques commerciales : L\u2019heure de la transition en Afrique - premium<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FA 13 - Banques commerciales : L\u2019heure de la transition en Afrique - premium\" \/>\n<meta property=\"og:description\" content=\"La banque a chang\u00e9 La convergence entre Telecoms, IP internet et banque va sans doute faire dispara\u00eetre le r\u00e9seau physique des agences, si co\u00fbteux en charges. Ce n\u2019est pas \u00e9vident. Il y aura moins d\u2019employ\u00e9s dans les banques mais plus de pr\u00eats octroy\u00e9s \u00e0 l\u2019\u00e9conomie. De nombreuses fonctions back offices seront soient regroup\u00e9es, externalis\u00e9es ou robotis\u00e9es au nom de la logique des co\u00fbts. 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