{"id":7854,"date":"2022-07-13T10:39:19","date_gmt":"2022-07-13T08:39:19","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=7854"},"modified":"2022-10-06T15:49:35","modified_gmt":"2022-10-06T13:49:35","slug":"avenement-de-la-banque-nounou-debbie-la-startup-la-plus-interessante-de-lannee","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/en\/avenement-de-la-banque-nounou-debbie-la-startup-la-plus-interessante-de-lannee\/","title":{"rendered":"(Fran\u00e7ais) Av\u00e8nement de la &#8220;Banque Nounou&#8221; : Debbie, la Startup la plus int\u00e9ressante de l&#8217;ann\u00e9e ?"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-family: helvetica; font-size: 14pt;\">C\u2019est un th\u00e8me que\u00a0<a href=\"https:\/\/score-advisor.com\/comment-les-innovations-bancaires-peuvent-changer-nos-facons-de-vivre-demain-la-banque-nounou\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>nous suivons<\/strong><\/a>\u00a0particuli\u00e8rement car, \u00e0 notre avis, il va prendre de plus en plus d\u2019importance : comment les relations bancaires vont \u00e9voluer vers un coaching des usages financiers, assorti de ressorts psychologiques et notamment de r\u00e9compenses (<a href=\"https:\/\/score-advisor.com\/actualites-des-coachs-et-assistants-automatises-depargne\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>nous l\u2019avons r\u00e9cemment signal\u00e9<\/strong><\/a>\u00a0pour les coachs d\u2019\u00e9pargne par exemple). Une startup de Miami, dont l\u2019activit\u00e9 n\u2019a pas encore d\u00e9marr\u00e9, en fournit d\u00e9j\u00e0 un parfait exemple.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><a href=\"https:\/\/www.joindebbie.com\/#cta\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Debbie<\/strong>\u00a0<\/a>entend \u00eatre une \u00ab\u00a0<em>Habit-shifting rewards Platform<\/em>\u00a0\u00bb. Une plateforme qui r\u00e9compense les changements d\u2019habitudes, en l\u2019occurrence financi\u00e8res et particuli\u00e8rement celles qui consistent \u00e0 vivre constamment \u00e0 cr\u00e9dit, jusqu\u2019\u00e0 s\u2019exposer \u00e0 payer des charges d\u2019int\u00e9r\u00eat hors de contr\u00f4le, \u00e0 s\u2019exclure de l\u2019acc\u00e8s aux financements bancaires et \u00e0 ne plus pouvoir joindre les deux bouts alors que l\u2019inflation s\u2019enflamme.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Debbie propose donc un service gratuit qui consiste en un programme d\u2019assistance invitant \u00e0 se fixer des objectifs pour r\u00e9duire sa vie \u00e0 cr\u00e9dit et \u00e0 recevoir en r\u00e9compense des\u00a0<em>rewards<\/em>\u00a0pouvant atteindre jusqu\u2019\u00e0 100$.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-11596 entered lazyloaded\" src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/07\/553cf4863d6338f48f526abf0e51d70d.jpg\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/07\/553cf4863d6338f48f526abf0e51d70d.jpg 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1-300x130.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1-768x332.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1-1536x665.jpg 1536w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1-600x260.jpg 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1.jpg 1721w\" alt=\"\" width=\"1024\" height=\"443\" data-lazy-srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/07\/553cf4863d6338f48f526abf0e51d70d.jpg 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1-300x130.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1-768x332.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1-1536x665.jpg 1536w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1-600x260.jpg 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/06\/debbie-2-1.jpg 1721w\" data-lazy-sizes=\"(max-width: 1024px) 100vw, 1024px\" data-lazy-src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/07\/553cf4863d6338f48f526abf0e51d70d.jpg\" data-ll-status=\"loaded\" \/>Ce sont les banques qui sont invit\u00e9es \u00e0 verser ces r\u00e9compenses, puisqu\u2019elles ont int\u00e9r\u00eat \u00e0 ce que la sant\u00e9 financi\u00e8re de leurs clients s\u2019am\u00e9liore. Debbie se r\u00e9mun\u00e8re \u00e9galement aupr\u00e8s des institutions financi\u00e8res qui soutiennent son programme. Les utilisateurs ayant appliqu\u00e9 ce programme avec succ\u00e8s pourront-ils s\u2019en pr\u00e9valoir aupr\u00e8s de leur banque ou d\u2019autres pr\u00eateurs\u00a0? Ce n\u2019est pas clair \u00e0 ce stade mais on peut imaginer qu\u2019il en ira ainsi si Debbie se d\u00e9veloppe.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Or cela pourrait bien se produire car l\u2019id\u00e9e correspond \u00e0 nombre d\u2019orientations actuelles dans la banque de d\u00e9tail\u00a0:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: helvetica; font-size: 14pt;\">Une assistance en prise directe avec les comportements. La banque des usages.<\/span><\/li>\n<li><span style=\"font-family: helvetica; font-size: 14pt;\">Un accompagnement de plus en plus rapproch\u00e9, de tous les jours. La banque\u00a0<em>as-a-utility<\/em>.<\/span><\/li>\n<li><span style=\"font-family: helvetica; font-size: 14pt;\">Une approche d\u00e9complex\u00e9e des rapports, souvent difficiles, \u00e0 l\u2019argent. La banque psychologique.<\/span><\/li>\n<li><span style=\"font-family: helvetica; font-size: 14pt;\">La g\u00e9n\u00e9ralisation des\u00a0<em>incentives<\/em>. La banque nounou.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Debbie coche toutes les cases et y ajoute un rapport d\u2019interm\u00e9diaire entre les \u00e9tablissements financiers et leurs clients qui renforce la relation bancaire. En somme, une fintech que les banques ont tout int\u00e9r\u00eat \u00e0 aider.<\/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]C\u2019est un th\u00e8me que\u00a0nous suivons\u00a0particuli\u00e8rement car, \u00e0 notre avis, il va prendre de plus en plus d\u2019importance : comment les relations bancaires vont \u00e9voluer vers un coaching des usages financiers, assorti de ressorts psychologiques et notamment de r\u00e9compenses (nous l\u2019avons r\u00e9cemment signal\u00e9\u00a0pour les coachs d\u2019\u00e9pargne par exemple). Une startup de Miami, dont l\u2019activit\u00e9 n\u2019a pas [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7855,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[138,137,44,139,136],"tags":[76,537],"class_list":["post-7854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyse","category-article","category-banque-de-detail","category-overview","category-dossier","tag-devlhon-consulting","tag-startup"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7854","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=7854"}],"version-history":[{"count":4,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7854\/revisions"}],"predecessor-version":[{"id":8138,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7854\/revisions\/8138"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/media\/7855"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/media?parent=7854"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/categories?post=7854"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/tags?post=7854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}