{"id":7429,"date":"2022-03-04T17:33:18","date_gmt":"2022-03-04T16:33:18","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=7429"},"modified":"2022-03-04T17:33:18","modified_gmt":"2022-03-04T16:33:18","slug":"les-banques-ont-elles-rate-leur-transformation-numerique","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/en\/les-banques-ont-elles-rate-leur-transformation-numerique\/","title":{"rendered":"(Fran\u00e7ais) Les banques ont-elles rat\u00e9 leur transformation num\u00e9rique !?"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-family: helvetica; font-size: 14pt;\">La question pointe in\u00e9vitablement \u00e0 lire le dernier et attendu rapport de Cornerstone Advisors\u00a0<a href=\"https:\/\/www.crnrstone.com\/whats-going-on-banking-2022?utm_campaign=What%27s%20Going%20On%20In%20Banking%202022&amp;utm_medium=email&amp;_hsmi=201470013&amp;_hsenc=p2ANqtz-8ptCOAtV1QytLfSrJHnYJe3xOVGf0OOGdQkwdidWhWZuIuHV_cd57dAF1rW_D9Ic7_jJOpED9C4J_5L55zIsZp2g8iV0V8YET1Fm_niiMzB9IPcD0&amp;utm_content=201470013&amp;utm_source=hs_email\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><em>What\u2019s going on in banking 2022?<\/em><\/strong><\/a>. Et la r\u00e9ponse tient en trois tableaux\u00a0:<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Premi\u00e8re surprise\u00a0: dans la plupart des cas (on ne parle ici que des banques am\u00e9ricaines et\u00a0<em>credit unions<\/em>, dont 300 ont \u00e9t\u00e9 sond\u00e9s par le cabinet de conseil), la transformation num\u00e9rique a \u00e9t\u00e9 engag\u00e9e relativement tardivement. La grande majorit\u00e9 des \u00e9tablissements n\u2019en sont encore au mieux qu\u2019\u00e0 la moiti\u00e9\u00a0:<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11104\" src=\"http:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-2.jpg\" sizes=\"auto, (max-width: 706px) 100vw, 706px\" srcset=\"https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-2.jpg 911w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-2-300x125.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-2-768x320.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-2-600x250.jpg 600w\" alt=\"\" width=\"706\" height=\"294\" \/><\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Deuxi\u00e8me constat, dans la plupart des cas, les effets de cette transformation ont \u00e9t\u00e9 d\u00e9cevants, pour ne pas dire carr\u00e9ment m\u00e9diocres, particuli\u00e8rement sur les frais g\u00e9n\u00e9raux\u00a0:<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11105\" src=\"http:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-3.jpg\" sizes=\"auto, (max-width: 919px) 100vw, 919px\" srcset=\"https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-3.jpg 919w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-3-300x147.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-3-768x376.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-3-600x294.jpg 600w\" alt=\"\" width=\"919\" height=\"450\" \/>A souligner dans le tableau ci-dessus\u00a0: la ligne \u00ab\u00a0<em>Other non-interest income<\/em>\u00a0\u00bb. La transformation num\u00e9rique n\u2019a pas ou n\u2019a que faiblement g\u00e9n\u00e9r\u00e9 des commissions nouvelles, li\u00e9es \u00e0 de nouveaux services. Il faut dire qu\u2019elle a surtout tenu \u00e0 la mise \u00e0 niveau des anciens syst\u00e8mes, plut\u00f4t qu\u2019\u00e0 des investissements dans des technologies \u00e9mergentes\u00a0:<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11106\" src=\"http:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-1.jpg\" sizes=\"auto, (max-width: 901px) 100vw, 901px\" srcset=\"https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-1.jpg 901w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-1-300x171.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-1-768x439.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/cornerstone-1-600x343.jpg 600w\" alt=\"\" width=\"901\" height=\"515\" \/>Dans ces conditions, comme le constate le dernier tableau, le Cloud repr\u00e9sente pour beaucoup d\u2019\u00e9tablissements le rem\u00e8de \u00e0 tout, qui va les dispenser finalement d\u2019investir de leur propre fait dans des technologies nouvelles.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">On trouvera plus de commentaires dans le rapport, ainsi que dans cette\u00a0<a href=\"https:\/\/www.forbes.com\/sites\/ronshevlin\/2022\/01\/10\/the-end-of-digital-transformation-in-banking\/?sh=6df070397b69\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>chronique<\/strong>\u00a0<\/a>de Ron Shevlin sur Forbes. Mais ces tableaux parlent d\u2019eux-m\u00eames. Il serait tr\u00e8s int\u00e9ressant d\u2019avoir les m\u00eames pour la France.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Score Advisor<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La question pointe in\u00e9vitablement \u00e0 lire le dernier et attendu rapport de Cornerstone Advisors\u00a0What\u2019s going on in banking 2022?. Et la r\u00e9ponse tient en trois tableaux\u00a0: Premi\u00e8re surprise\u00a0: dans la plupart des cas (on ne parle ici que des banques am\u00e9ricaines et\u00a0credit unions, dont 300 ont \u00e9t\u00e9 sond\u00e9s par le cabinet de conseil), la transformation [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7430,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[137],"tags":[487,72,76,527,526],"class_list":["post-7429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-changement","tag-banque","tag-devlhon-consulting","tag-numerique","tag-transformation"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/comments?post=7429"}],"version-history":[{"count":2,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7429\/revisions"}],"predecessor-version":[{"id":7432,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7429\/revisions\/7432"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/media\/7430"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/media?parent=7429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/categories?post=7429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/tags?post=7429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}