{"id":29881,"date":"2021-06-03T21:49:20","date_gmt":"2021-06-03T19:49:20","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29881"},"modified":"2026-04-23T12:58:55","modified_gmt":"2026-04-23T10:58:55","slug":"construire-son-avenir-quelle-banque-creer","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/fr\/building-your-future-what-bank-should-you-start\/","title":{"rendered":"Construire son avenir : Quelle banque choisir ?"},"content":{"rendered":"<p>Il n'est jamais trop tard pour commencer \u00e0 construire son avenir, c'est pourquoi il est important de trouver le bon partenaire bancaire. Dans cet article, nous examinerons certains des \u00e9l\u00e9ments \u00e0 prendre en compte avant d'ouvrir un compte bancaire.<\/p>\n<p>Nous distinguons quatre types de nouvelles banques.<\/p>\n<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-neo-banks-for-saving-account-and-more\">Neo banques pour le compte d'\u00e9pargne et plus<\/h2>\n<p>Les n\u00e9obanques n'ont g\u00e9n\u00e9ralement pas de licence bancaire, mais s'associent \u00e0 des banques pour offrir des services. Les n\u00e9obanques exigent que les clients aient un compte existant. Elles offrent une meilleure exp\u00e9rience \u00e0 l'utilisateur. L'exp\u00e9rience de l'utilisateur est essentielle pour faciliter l'ouverture d'un compte. Une institution financi\u00e8re peut demander une licence bancaire dans le pays, puis proposer diff\u00e9rents types de comptes. Ces banques offrent g\u00e9n\u00e9ralement beaucoup plus de fonctionnalit\u00e9s que les n\u00e9obanques : elles proposent des comptes d'\u00e9pargne, des services de compte courant et des pr\u00eats. Vous connaissez peut-\u00eatre - <a href=\"https:\/\/www.webank.it\/\">WeBank<\/a> par <a href=\"https:\/\/www.tencent.com\/en-us\/about.html\">Tencent<\/a>, Yolt et Moven sont des exemples de n\u00e9o-banques.<\/p>\n<\/p>\n<p><a href=\"https:\/\/www.google.com\">Azaret Metrio Zintos<\/a><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-new-banks-with-the-whole-old-bank-service-from-saving-money-savings-accounts-to-trading\">Les nouvelles banques offrent tous les services des anciennes banques, de l'\u00e9pargne \u00e0 la n\u00e9gociation en passant par les comptes d'\u00e9pargne.<\/h2>\n<p>Les nouvelles banques disposent d'une licence bancaire compl\u00e8te et offrent les m\u00eames services que les banques traditionnelles. Il s'agit notamment de Monzo, N26, MyBank, Starling Bank et Revolut. Elles s'efforcent de s'affranchir des structures traditionnelles et s'associent g\u00e9n\u00e9ralement avec des banques locales de premier plan. <a href=\"https:\/\/www.investglass.com\/fr\/les-applications-transformatrices-de-lintelligence-artificielle-dans-le-marketing-des-banques\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2338\">les banques lorsqu'elles doivent ouvrir un nouveau march\u00e9<\/a>. Par exemple, Revolut avec le Cr\u00e9dit Suisse en Suisse. Ces banques devront g\u00e9rer les attentes de l'autorit\u00e9 de conduite financi\u00e8re et de l'autorit\u00e9 de r\u00e9gulation prudentielle.<\/p>\n<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-non-bank-account-non-banks\">Le \u201ccompte non bancaire\u201d <strong>Non-banques<\/strong><\/h2>\n<p>Ces banques n'ont aucun lien avec les licences bancaires traditionnelles. Au lieu de cela, elles fourniront des services financiers par d'autres moyens. Ce mod\u00e8le unique permet \u00e0 l'entreprise d'op\u00e9rer ind\u00e9pendamment des banques existantes.<\/p>\n<p>Elles disposent g\u00e9n\u00e9ralement d'une technologie informatique solide pour servir la technologie du pr\u00e9l\u00e8vement automatique, mais elles ne proposent pas de conseils ind\u00e9pendants ni de produits financiers.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-beta-banks-with-savings-account-and-more-beta-banks\">Les banques Beta - avec compte d'\u00e9pargne et plus encore <strong>Banques Beta<\/strong><\/h2>\n<p>Les coentreprises et les banques filiales qui offrent des services financiers par l'interm\u00e9diaire de la licence de la soci\u00e9t\u00e9 m\u00e8re. Les banques b\u00eata sont souvent cr\u00e9\u00e9es pour p\u00e9n\u00e9trer de nouveaux march\u00e9s. Par exemple, AiBank (China'sCITIC Bank Corp et Baidu) et Simple (Bancorp et BBVA). Ces banques ont leur propre \u00e9cosyst\u00e8me et connectent avec leur API de nouveaux mod\u00e8les commerciaux, une nouvelle exp\u00e9rience client, et offrent des connexions avec des institutions financi\u00e8res tierces.<\/p>","protected":false},"excerpt":{"rendered":"<p>It&#8217;s never too late to start building your future, so it is important to get the right banking partner. In this article, we&#8217;ll explore some of the things you should consider before starting a bank account. We distinguish four types of new banks. Neo banks for saving account and more Neo banks usually do not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[35,37],"class_list":["post-29881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-crm-for-banking","tag-neobank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Create a Neobank: A Beginner&#039;s Guide | InvestGlass<\/title>\n<meta name=\"description\" content=\"Building Your Future: What Bank Should You Start? 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In this article, we&#8217;ll explore some of\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/fr\/construire-son-avenir-quelle-banque-creer\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-03T19:49:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-23T10:58:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/06\/ygbyrofge3c.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Cr\u00e9er une n\u00e9obanque : Le guide du d\u00e9butant | InvestGlass","description":"Construire son avenir : Quelle banque devez-vous cr\u00e9er ? 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