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Innovations technologiques et spécificités bancaires

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  • Eric Nicolas

Abstract

[eng] Technological innovations and banks' specific features. The financial sector has experienced dramatic structural changes since the mid seventies. These transformations will go on : for instance, some banks might externalise sorne of their activities. But banks' specific features remain strong, and make it unlikely that financial intermediaries will disappear in the years to come. [fre] Les transformations structurelles dans l'industrie des services financiers constituent une expression du mouvement d'innovation à l'oeuvre depuis le milieu des années 70. Les technologies de l'information fondées sur la micro-électronique constituent un enjeu essentiel dans la recherche de compétitivité. Il est probable que les transformations des firmes bancaires vont se poursuivre : le modèle de l'assemblage industriel dans le cadre duquel certaines firmes sous-traitent une grande partie du processus de production peut d'ores et déjà être appliqué à la banque. Mais les banques, du fait de leur dimension financière et de leur rôle social, ont encore une spécificité qui rend leur disparition peu crédible.

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  • Eric Nicolas, 1999. "Innovations technologiques et spécificités bancaires," Revue d'Économie Financière, Programme National Persée, vol. 55(5), pages 177-207.
    • Handle: RePEc:prs:recofi:ecofi_0987-3368_1999_num_55_5_4940
    DOI: 10.3406/ecofi.1999.4940
    Note: DOI:10.3406/ecofi.1999.4940
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