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Des néobanques en quête de rentabilité

Author

Listed:
  • Laurent Clerc
  • Arthur Moraglia
  • Sylvain Perron

Abstract

Cette étude fait suite à une première publication de l’Autorité de contrôle prudentiel et de résolution (ACPR) en 2018 consacrée à l’émergence des néobanques. Elle vise à en préciser les modèles d’activité et se concentre sur deux aspects-clés : l’entrée en relation avec la clientèle et la rentabilité. Elle montre notamment que les néobanques peinent toujours, plusieurs années après leur création, à dégager des marges bénéficiaires.

Suggested Citation

  • Laurent Clerc & Arthur Moraglia & Sylvain Perron, 2020. "Des néobanques en quête de rentabilité," Analyse et synthèse 113, Banque de France.
    • Handle: RePEc:bfr:analys:113
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    File URL: https://acpr.banque-france.fr/sites/default/files/medias/documents/2020_etude_neobanques_as_publication.pdf
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    More about this item

    Keywords

    banque; néobanque; digitalisation; innovation; Fintech; vérification d’identité à distance; plateformes digitales;
    All these keywords.

    JEL classification:

    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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