Coins stacked in a vault tray.

Le secteur bancaire traditionnel est-il indestructible ?

NEW YORK – De nos jours, rares sont les secteurs d'activité qui ne risquent pas d'être bouleversés par la technologie numérique. Amazon, après avoir balayé les librairies, assiège à présent le reste du secteur de la vente au détail. Dans les transports, Uber distance les compagnies de taxis traditionnelles, alors qu'Airbnb sape les fondations du secteur de l'hôtellerie. Dans le même temps, les smartphones sont en train de transformer la façon dont nous communiquons et révolutionnent la façon dont nous découvrons et devenons clients des entreprises.

Il n'y a donc rien de surprenant si les entreprises bancaires et de services financiers ne sont plus à l'abri des immenses transformations opérées par les innovations technologiques. En effet, durant la dernière décennie, les start-ups numériques ont investi des domaines traditionnellement dominés par le secteur financier. Mais il y a des raisons de croire que le secteur de la finance va résister.

Aujourd'hui, on peut envoyer de l'argent d'un bout à l'autre d'un pays ou du monde, en appuyant simplement sur une appli, sans aucune interaction avec une entreprise traditionnelle de services financiers. Les envois de fonds des migrants, qui selon les estimations de la Banque mondiale vont s'élever à 586 milliards de dollars cette année, représentent une formidable opportunité de croissance pour les entreprises en concurrence avec les banques sur les opérations de transferts d'argent.

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