L’évolution du numérique a permis de mettre sur le marché à côté des banques traditionnelles, des banques en ligne. Ce sont des banques qui sont prises d’assaut depuis l’année 2017 par les clients.
Cette situation vient de la hausse des frais de tenue de compte observée au niveau des banques physiques.
Que peut-on comprendre par ce nouveau concept bancaire ? Comment s’effectue le business des banques en ligne ?
Qu’est-ce qu’une banque en ligne ?
Les banques en ligne sont partie intégrante du paysage bancaire. Elles avaient été en ligne au début avant de devenir de vraies banques. On peut citer entre autres Hello Bank!, BforBank, Boursorama et autres. Elles vont devenir dans les années à venir une véritable référence du modèle bancaire principalement pour les particuliers.
Elles proposent un montant relativement insignifiant des frais de gestion et de tenue de compte. Elles offrent gratuitement à sa clientèle non seulement la carte bleue mais aussi plusieurs autres services. Il est donc possible désormais d’ouvrir un compte sur une banque internet.
Des conseillers à la clientèle assez dynamiques sont disponibles pour fournir les conseils idoines aux clients. La communication avec eux est beaucoup plus facile. Leur plage horaire est assez souple pour rendre plus commodes les échanges. Ils sont en effet joignables du lundi au vendredi de 8 heures à 22 heures et les samedis de 8 heures à 16 heures. Les mails ou messages des clients envoyés sur le site d’une banque internet reçoivent assez rapidement de réponses.
Ces banques proposent à la clientèle des prêts immobiliers pour fructifier leur business.
Le business des banques en ligne
Les banques en ligne sont généralement moins chères que les banques traditionnelles. Cette situation peut s’expliquer par leur mode de fonctionnement. Les coûts de gestion sont nettement inférieurs. Elles ne possèdent point d’agences physiques à préserver. Dans leur business, elles ont généralement besoin de moins de personnels. De ce fait, elles font répercuter leurs économies sur les tarifs proposés à la clientèle. La carte bancaire est entièrement gratuite. Il n’y a pas non plus de frais de tenue de compte.
Le site touteslesbanques.com répertorie dans un classement les banques en ligne.
Le rachat des banques en ligne par les banques traditionnelles
Les grandes banques en ligne appartiennent en majorité aux banques traditionnelles. Elles ne sont pas indépendantes. Au fil du temps, elles ont été toutes rachetées.
Par exemple, Boursorama dépend de la Société Générale.
Fortuneo est une filiale du Crédit Mutuel Arkéa.
Hello bank est associée à la BNP Paribas.
BforBank dépend du Crédit Agricole.
Monabanq a été racheté par le Crédit Mutuel.
Le groupe néerlandais ING répond de ING Direct porte.
Le Compte Nickel a été racheté par BNP Paribas.
C’est ce qui justifie en partie la rentabilité des banques en ligne. Elles poursuivent leur business sans craindre une quelconque faillite. Leur fiabilité est aussi assurée par les banques physiques.
L’avenir du business des banques en ligne
En réalité, on peut considérer que les banques internet constituent l’avenir du monde bancaire. Les clients abandonnent de plus en plus les agences bancaires physiques pour réaliser plus facilement leurs opérations bancaires en ligne. Ils sont plus réceptifs de l’évolution du numérique.
L’augmentation des tarifs des banques traditionnelles est d’ailleurs une aubaine qu’exploitent les banques internet. Leur affiliation aux banques physiques est un gage de leur sérieux et de leur fiabilité pour les clients.
Le monde bancaire reste dominé par les banques en ligne compte tenu des offres alléchantes proposées aux clients.
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