{"id":7860,"date":"2022-07-19T10:50:28","date_gmt":"2022-07-19T08:50:28","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=7860"},"modified":"2022-10-06T15:44:58","modified_gmt":"2022-10-06T13:44:58","slug":"faites-vous-bien-la-difference-entre-bank-as-a-service-et-embedded-banking","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/en\/faites-vous-bien-la-difference-entre-bank-as-a-service-et-embedded-banking\/","title":{"rendered":"(Fran\u00e7ais) Faites-vous bien la diff\u00e9rence entre &#8220;Bank as a service&#8221; et &#8220;Embedded Banking&#8221; ?"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-family: helvetica; font-size: 14pt;\">C\u2019est normal\u00a0: \u00e0 pratiques nouvelles, expressions nouvelles et confusions assur\u00e9es\u00a0! Aussi n\u2019est-il pas inint\u00e9ressant de consacrer deux minutes \u00e0 \u00e9claircir des termes de plus en plus employ\u00e9s.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">The Financial Brand\u00a0<a href=\"https:\/\/thefinancialbrand.com\/145786\/does-anyone-really-know-what-baas-or-embedded-banking-is\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>relaie<\/strong>\u00a0<\/a>\u00e0 cet effet les efforts de d\u00e9finition d\u2019Alloy Labs pour distinguer \u00ab\u00a0Banking-as-a-Service\u00a0\u00bb (BaaS) et \u00ab\u00a0Embedded Banking\u00a0\u00bb.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Le BaaS d\u00e9signe un mod\u00e8le de partenariat \u00e0 travers lequel une institution financi\u00e8re disposant d\u2019une licence bancaire permet \u00e0 une ou des soci\u00e9t\u00e9s financi\u00e8res, qui n\u2019en disposent pas, \u00a0d\u2019offrir directement des comptes de d\u00e9p\u00f4t \u00e0 leurs clients.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Cela se fait g\u00e9n\u00e9ralement en marque blanche et certaines institutions, classiques (The Bancorp) ou n\u00e9obanque (Starling), se d\u00e9ploient particuli\u00e8rement sur ce segment.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Cela fonctionne de m\u00eame pour les paiements mais Alloy Labs nomme plut\u00f4t cela \u00ab\u00a0BIN sponsor\u00a0\u00bb (BIN = Bank Identification Number), soit un mod\u00e8le de partenariat \u00e0 travers lequel une institution financi\u00e8re membre d\u2019un ou plusieurs r\u00e9seaux de cartes de paiement permet \u00e0 une ou des soci\u00e9t\u00e9s de services financiers non membres d\u2019\u00e9mettre des cartes de d\u00e9bit , de cr\u00e9dit ou des produits pr\u00e9pay\u00e9s sous leur nom propre.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Enfin, l\u2019Embedded Banking\u00a0est un mod\u00e8le de partenariat \u00e0 travers lequel une banque propose ses services directement aux clients d\u2019entreprises non financi\u00e8res, notamment \u00e0 travers le site de ces derni\u00e8res. Mais, dans la plupart des cas, le nom de la banque n\u2019apparait pas, ou pas directement, comme si le site marchand proposait lui-m\u00eame les cr\u00e9dits. On parle ainsi de \u00ab\u00a0banque invisible.\u00a0\u00bb<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Au total, on peut distinguer\u00a0:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: helvetica; font-size: 14pt;\">La banque ouverte, qui relaie aupr\u00e8s de ses clients, des offres de partenaires non financiers.<\/span><\/li>\n<li><span style=\"font-family: helvetica; font-size: 14pt;\">La banque \u00ab invisible \u00bb ou \u00ab enfouie \u00bb qui repr\u00e9sente comme le contraire et qui permet \u00e0 des distributeurs non financiers de proposer les offres d\u2019une banque sous leurs propres noms \u2013 le BaaS et l\u2019Embedded Banking en rel\u00e8vent.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">En esp\u00e9rant que ces pr\u00e9cisions vous auront \u00e9t\u00e9 utiles. Pour aller plus loin sur le sujet du BaaS lui-m\u00eame, voir cet\u00a0<a href=\"https:\/\/score-advisor.com\/baas-les-services-bancaires-vont-ils-echapper-aux-banques\/\"><strong>article<\/strong><\/a>.<\/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 normal\u00a0: \u00e0 pratiques nouvelles, expressions nouvelles et confusions assur\u00e9es\u00a0! Aussi n\u2019est-il pas inint\u00e9ressant de consacrer deux minutes \u00e0 \u00e9claircir des termes de plus en plus employ\u00e9s. The Financial Brand\u00a0relaie\u00a0\u00e0 cet effet les efforts de d\u00e9finition d\u2019Alloy Labs pour distinguer \u00ab\u00a0Banking-as-a-Service\u00a0\u00bb (BaaS) et \u00ab\u00a0Embedded Banking\u00a0\u00bb. Le BaaS d\u00e9signe un mod\u00e8le de partenariat \u00e0 travers lequel [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7861,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[45,44,139],"tags":[76],"class_list":["post-7860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-activites-transverses","category-banque-de-detail","category-overview","tag-devlhon-consulting"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7860","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=7860"}],"version-history":[{"count":4,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7860\/revisions"}],"predecessor-version":[{"id":8132,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7860\/revisions\/8132"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/media\/7861"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/media?parent=7860"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/categories?post=7860"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/tags?post=7860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}