WEF : Le rapport incontournable pour tout comprendre à  la Fintech

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Le monde bancaire et financier ne peut plus ignorer la fintech et telle est également la conclusion du World Economic Forum, le WEF, qui vient de publier un rapport très intéressant sur ce sujet. Dans son communiqué et suite à  son analyse, il constate  que les modèles économiques sont aujourd’hui chamboulés par  ces nouveaux arrivants de la fintech, ce qui pose également la question du futur des  services financiers:


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New York, Geneva, 30 June 2015  â€“ Some of the world's largest finance-sector companies are reviewing their business models following the rapid growth of financial technology (“fintech”) entrants in the sector. This is the main finding of a World Economic Forum report entitled The Future of Financial Services: How Disruptive Innovations Are Reshaping the Way Financial Services  Are Structured, Provisioned and Consumed, which is being released today.
Source  : Finance Sector Heading for Uber-Moment – Agenda – The World Economic Forum

Pour répondre à  cette question, le WEF a recueilli les avis d’un panel international de spécialistes pour analyser la situation, identifier les risques et les opportunités pour les différents acteurs concernés et imaginer les prochains développements qui vont marquer la finance. Vous retrouvez toutes les informations relative à  cette étude  directement ici  (micro-site dédié):

WEF - Future of financial services - homepage

Any business in any era must be able to rapidly adjust to the ebb and flow of currents in its industry – or, better still, to anticipate and stay ahead of them. This is doubly true in the digital age, since the pace of transformation is such that any service provider standing still risks being swept away by the changing tides of customer preferences.
Source  : Future of Financial Services 2015 – Reports – World Economic Forum

Ce rapport structure son analyse selon les 6 domaines suivants …

  1. Payments
  2. Market  Provisioning
  3. Investment  Management
  4. Insurance
  5. Deposits &  Lending
  6. Capital  Raising

… et il y rattache  ensuite 11  principaux domaines d’innovations (appelés ici clusters) et que l’on identifie sous la forme de nuage dans l’infographie ci-dessous:

WEF Fintech analysis - 6 functions and 11 clusters of innovation
WEF Fintech analysis – 6 functions and 11 clusters of innovation

Outre les constats relatifs aux 11 clusters d’innovation, le rapport fait ressortir 6 tendances majeurs qui caractérisent parfaitement la fintech aujourd’hui. Il s’agit des domaines d’innovation suivants:

  • Streamlined Infrastructure :  Emerging platforms and decentralised technologies provide new ways toaggregate and analyse information, improving connectivity and reducing the  marginal costs of accessing information and participating in financial activities
  • Automation of High-Value Activities :  Many emerging innovations leverage advanced algorithms and computing  power to automate activities that were once highly manual, allowing them to  offer cheaper, faster, and more scalable alternative products and services
  • Reduced Intermediation :  Emerging innovations are streamlining or eliminating traditional institutions'  role as intermediaries, and offering lower prices and / or higher returns to  customers
  • The Strategic Role of Data :  Emerging innovations allow financial institutions to access new data sets, such
    as social data, that enable new ways of understanding customers and markets
  • Niche, Specialised Products :  New entrants with deep specialisations are creating highly targeted products  and services, increasing competition in these areas and creating pressure for  the traditional end-to-end financial services model to unbundle
  • Customer Empowerment :  Emerging innovations give customers access to previously restricted assets  and services, more visibility into products, and control over choices, as well as  the tools to become “prosumers”

En bref: la structure du rapport et l’analyse associées en font un rapport incontournable si l’on souhaite savoir ce que signifie “fintech” dans notre monde aujourd’hui. A partager absolument. Bonne lecture.

Et encore ici un article à  ce propos sur le site de Reuters:

The world's top banks and insurers are seeing their business models challenged by “fintech” start-ups, which are reshaping what consumers and businesses expect from financial services, industry insiders and experts say.A report out Tuesday from the World Economic Forum (WEF), the Swiss-based corporate think-tank which runs the Davos summit of world leaders, says major disruptions lie ahead for the once highly profitable financial services industry.
Source  : Fintech explosion puts banks in digital firing line | Reuters

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