{"id":1321,"date":"2024-10-17T16:24:24","date_gmt":"2024-10-17T14:24:24","guid":{"rendered":"https:\/\/www.oneytrust.com\/?p=1321"},"modified":"2025-07-11T15:12:29","modified_gmt":"2025-07-11T13:12:29","slug":"open-banking-between-opportunity-and-risk","status":"publish","type":"post","link":"https:\/\/www.oneytrust.com\/fr\/open-banking-between-opportunity-and-risk\/","title":{"rendered":"Open Banking entre opportunit\u00e9 et prise de risque"},"content":{"rendered":"

Pos\u00e9 ainsi \u00e7a parait \u00e0 la fois simple et pratique. En termes de Lutte Contre La Fraude, \u00e0 premi\u00e8re vue disposer d\u2019un acc\u00e8s aux informations du compte d\u2019un particulier est une solution \u00ab id\u00e9ale \u00bb pour certains risques pour lesquels l\u2019appr\u00e9ciation de la solidit\u00e9 financi\u00e8re est essentielle\u2026 comme l\u2019octroi d\u2019un cr\u00e9dit, voire du BNPL. Explorons cependant ensemble les diff\u00e9rentes implications du sujet.<\/p>\n\n\n\n

Les origines<\/strong><\/p>\n\n\n\n

Initialement, cette innovation ne rel\u00e8ve pas de la volont\u00e9 des banques, mais du r\u00e9gulateur europ\u00e9en, en r\u00e9ponse \u00e0 la volont\u00e9 des FinTech. L\u2019objectif \u00e9tant d\u2019\u00e9tablir un march\u00e9 des moyens et services de paiement innovant, moderne et concurrentiel.<\/strong> C\u2019est par la DSP2 que l\u2019Open Banking obtient son \u00ab blanc-seing \u00bb, puisque la Directive a notamment eu pour but d\u2019ouvrir l\u2019\u00e9cosyst\u00e8me bancaire, de renforcer la s\u00e9curit\u00e9 des paiements en ligne et de favoriser les services financiers innovants.<\/p>\n\n\n\n

Open Banking... la r\u00e9alit\u00e9<\/strong><\/p>\n\n\n\n

Certaines banques se montrent prudentes face \u00e0 ce \u00ab partage forc\u00e9 \u00bb. La mise en place de l\u2019Open Banking n\u00e9cessite une transformation des banques traditionnelles et de leur organisation interne.<\/p>\n\n\n\n

En 2021, 40 % des dirigeants de quelques 300 banques estimaient que leur institution aurait besoin de 5 \u00e0 10 ans pour atteindre leurs objectifs en mati\u00e8re d\u2019Open banking. Notons que la France fait partie des pays identifi\u00e9s comme ayant les infrastructures et la maturit\u00e9 parmi les plus \u00e9lev\u00e9es en Europe.<\/strong><\/p>\n\n\n\n

Des donn\u00e9es partag\u00e9es\u2026 mais avec quel objectif ?<\/strong><\/p>\n\n\n\n

Il faut savoir distinguer le \u00ab cas d\u2019usage \u00bb propos\u00e9 par les diff\u00e9rents acteurs.<\/p>\n\n\n\n

Pour le particulier :<\/p>\n\n\n\n

Toutes les solutions \/ applications proposant de l\u2019agr\u00e9gation de comptes bancaires, une meilleure gestion de son argent, etc.<\/p>\n\n\n\n

Pour les entreprises :<\/p>\n\n\n\n

Les possibilit\u00e9s sont plus nombreuses et vari\u00e9es. Il y a les cas d\u2019usage \u00e9prouv\u00e9s, et ceux \u00e9mergents.<\/p>\n\n\n\n

Dans le domaine du paiement et de la Lutte Contre La Fraude, on doit retenir :<\/strong><\/p>\n\n\n\n

1. L\u2019int\u00e9gration client intelligente (v\u00e9rification du compte et de l\u2019identit\u00e9, auto-remplissage des formulaires, v\u00e9rification des revenus et de la solvabilit\u00e9).<\/p>\n\n\n\n

2. Les paiements bancaires instantan\u00e9s (alimenter des comptes, effectuer des paiements ponctuels)<\/p>\n\n\n\n

Sur la v\u00e9rification des revenus et de la solvabilit\u00e9, ce sont les AISP (Account Information Service Provider) qui peuvent proposer ce service. Le processus d\u2019admission, long et exigeant, garantit que seules les entreprises hautement qualifi\u00e9es et soucieuses de la s\u00e9curit\u00e9 peuvent b\u00e9n\u00e9ficier de ce statut.<\/p>\n\n\n\n

En termes de gestion des risques lors de l\u2019octroi d\u2019un pr\u00eat ou d\u2019un cr\u00e9dit, l\u2019acc\u00e8s \u00e0 un historique bancaire semble id\u00e9al. A condition que le mod\u00e8le analytique et \u00ab pr\u00e9dictif \u00bb soit \u00e0 la hauteur. Reste le sujet de la \u00ab friction client \u00bb. Sur du BNPL, aujourd\u2019hui per\u00e7u comme une commodit\u00e9 de paiement tant il est r\u00e9pandu, l\u2019adh\u00e9sion du client \u00e0 un processus d\u2019open banking pour un paiement fractionn\u00e9 demande encore pas mal d\u2019\u00e9ducation aupr\u00e8s du grand public.<\/p>\n\n\n\n

Pour les paiements bancaires instantan\u00e9s, ce sont les PISP (Payment Initiation Service Providers) qui peuvent le proposer. Le principal avantage \u00e9tant que le paiement initi\u00e9 n\u2019est pas contestable et moins co\u00fbteux qu\u2019une transaction par carte bancaire. Demeure un sujet : que \u00ab l\u2019imm\u00e9diatet\u00e9 \u00bb du paiement soit g\u00e9n\u00e9ralisable.<\/p>\n\n\n\n

En r\u00e9sum\u00e9 :<\/strong><\/p>\n\n\n\n

Pour la Lutte Contre La Fraude, l\u2019Open Banking par le prisme des AISP est \u00e0 consid\u00e9rer dans un arsenal pour lequel le \u00ab risque financier \u00bb prend une part importante.<\/p>\n\n\n\n

Pour ce qui est de l\u2019adoption de PISP, c\u2019est davantage \u00e0 consid\u00e9rer comme un moyen de paiement venant s\u2019ajouter \u00e0 ceux d\u00e9j\u00e0 existant. Cependant, il est envisageable que l\u2019\u00e9volution des usages pousse vers une augmentation de l\u2019adh\u00e9sion des consommateurs \u00e0 ce moyen de paiement.<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Put like that, it sounds both simple and practical. In terms of fight against fraud, at first sight having access to an individual’s account information is an \u2018ideal\u2019 solution for certain risks where the assessment of financial soundness is essential… such as granting a credit, or even BNPL. However, let’s explore the various implications of…<\/p>","protected":false},"author":3,"featured_media":1356,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[6,1],"tags":[],"class_list":["post-1321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expertise","category-general"],"acf":[],"yoast_head":"\nOpen Banking between opportunity and risk. - Oneytrust<\/title>\n<meta name=\"description\" content=\"Open Banking is an innovation that has been around for a few years now. 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