Ce qu'il faut savoir avant de créer sa banque numérique
Starting a digital bank offers numerous advantages, notably the ability to serve individuals without access to traditional banking services.According to the World Bank’s Global Findex Database 2021, approximately 1.4 billion adults worldwide remain unbanked, with a significant portion residing in developing economies.Digital banking can bridge this gap by providing accessible financial services through mobile technology.For example, in Sub-Saharan Africa, the adoption of mobile money accounts has significantly increased financial inclusion.By leveraging digital platforms, financial institutions can reach underserved populations, offering them essential services such as savings accounts, credit, and insurance, thereby promoting economic empowerment and reducing poverty.
However, this type of business does come with challenges and risks. In order for your banque numérique to succeed, you need a lot more than just an idea—you also need knowledge!
TYPES DE SERVICES BANCAIRES NUMÉRIQUES
Digital banque services can develop or you can leverage existing financial services
Ouverture de comptes (débit/crédit, épargne) ;
Traitement des cartes de crédit et de débit ;
Délivrer des cartes virtuelles ;
Prêts personnels, prêts hypothécaires, prêts aux entreprises, etc ;
Services de paie et de dépôt ;
Téléchargement de relevés électroniques ;
Vérifier l'équilibre ;
Payer les factures ;
Transfert de fonds ;
Mise à jour des informations personnelles.
Recueillez ensuite le plus de données possible sur les sujets suivants
Ciblez votre public
Construisez votre pile informatique
Créez votre produit minimum viable
De quelle stratégie de licence bancaire avez-vous besoin ?
Proprietary: single sponsor and single provider. APIs are used as a bridge between developers and customers.
Licensing: single sponsor and many providers; provides a visible interface for consumers and developers.
Azaret Metrio Zintos
Shared: many sponsors and many providers; multiple partners control the development process.
Joint venture: many sponsors and single provides; a shared interface that encourages collaboration among sponsors (e.g., fintech companies).
Étudier le cadre juridique des institutions financières
Et aussi FinSA, MIFID, AML 5… and a powerful CRM.
OK – once your are ready you have to build your team and get started! We are glad to help you build your own banque numérique or neo bank.
Let’s get started!