{"id":7603,"date":"2022-05-27T14:10:54","date_gmt":"2022-05-27T12:10:54","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=7603"},"modified":"2022-10-06T16:15:45","modified_gmt":"2022-10-06T14:15:45","slug":"actualite-des-neobanques-le-fmi-met-en-garde-n26-inquiete-starling-confirme","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/fr\/actualite-des-neobanques-le-fmi-met-en-garde-n26-inquiete-starling-confirme\/","title":{"rendered":"Actualit\u00e9 des n\u00e9obanques : le FMI met en garde, N26 inqui\u00e8te, starling confirme,&#8230;"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-family: helvetica; font-size: 14pt;\">M\u00eame si elles commencent \u00e0 jouer dans la cour des Grands aux Etats-Unis, nous l\u2019avons notamment signal\u00e9 pour\u00a0<a href=\"https:\/\/score-advisor.com\/le-desarmant-succes-de-chime-la-premiere-des-neo-banques\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Chime<\/strong>\u00a0<\/a>ou\u00a0<a href=\"https:\/\/score-advisor.com\/sofi-la-plus-inquietante-des-neobanques-pour-les-banques\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Sofi<\/strong><\/a>, les n\u00e9obanques ne sont encore la banque principale que de\u00a0<a href=\"https:\/\/score-advisor.com\/mobilite-bancaire-souscription-a-une-banque-en-ligne-rien-na-change-depuis-5-ans\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>1% des Fran\u00e7ais<\/strong><\/a>. Autant dire que leur d\u00e9veloppement (et leur train de vie) sont encore financ\u00e9s par des investisseurs bien plus que par leurs r\u00e9sultats. Cela durera-t-il dans le contexte actuel o\u00f9, face \u00e0 l\u2019inflation, la remont\u00e9e des taux pourrait rendre les liquidit\u00e9s moins abondantes\u00a0? Le FMI s\u2019en inqui\u00e8te (un article de\u00a0<a href=\"https:\/\/www.agefi.fr\/banque-assurance\/actualites\/quotidien\/20220422\/fmi-alerte-fragilites-neobanques-342390\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>l\u2019Agefi<\/strong><\/a>).<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">En France, ce sont les clients de N26 qui s\u2019inqui\u00e8tent, pour leur argent (<a href=\"https:\/\/rmc.bfmtv.com\/actualites\/economie\/ils-nous-pourrissent-la-vie-on-va-faire-pareil-des-clients-de-n26-se-mobilisent-sur-les-reseaux-pour-recuperer-leur-argent_AV-202204210467.html\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>BFM<\/strong><\/a>). Tandis que, de l\u2019autre c\u00f4t\u00e9 des Alpes, la Banque d\u2019Italie a interdit \u00e0 la n\u00e9obanque de poursuivre son extension commerciale dans le pays (<a href=\"https:\/\/adnews.galitt.com\/actualites\/details\/en-bref-n26-stoppee-net-en-italie\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Galitt<\/strong><\/a>) \u2013 en France, Lydia a \u00e9galement d\u00fb bloquer des comptes dont la provenance des fonds paraissait incertaine (<a href=\"https:\/\/www.journaldunet.com\/economie\/finance\/1509437-comptes-lydia-bloques-le-recours-collectif-abandonne\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>JDN<\/strong><\/a>). N\u00e9anmoins, N26 vise une introduction en bourse avant la fin d\u2019ann\u00e9e (<a href=\"https:\/\/www.finextra.com\/newsarticle\/39789\/n26-to-be-ipo-ready-by-end-of-year\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Finextra<\/strong><\/a>).<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Starling avait ceci de singulier parmi toutes les n\u00e9obanques d\u2019avoir \u00e9t\u00e9 assez rapidement rentable. Elle le confirme avec des r\u00e9sultats r\u00e9cents qui ont augment\u00e9 de\u2026 600% (<a href=\"https:\/\/www.finextra.com\/newsarticle\/40133\/starling-bank-lifts-valuation-to-25-billion-on-1305-million-internal-raise\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Finextra<\/strong><\/a>). Une nouvelle lev\u00e9e de fonds a \u00e9t\u00e9 lanc\u00e9e, \u00e0 laquelle participe une nouvelle fois Goldman Sachs, dont on connait pourtant les ambitions anglaises avec Marcus.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Dans le m\u00eame temps, Monzo s\u2019est lanc\u00e9e aux Etats-Unis , Revolut propose une assurance Animaux de compagnie (<a href=\"https:\/\/www.revolut.com\/pet-insurance\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Revolut<\/strong><\/a>), Nickel vient de d\u00e9passer les 2,5 millions de clients (<a href=\"https:\/\/www.moneyvox.fr\/banque-en-ligne\/actualites\/87925\/nickel-franchit-la-barre-des-2,5-millions-de-comptes-ouverts\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>MoneyVox<\/strong><\/a>) et s\u2019\u00e9tend en Europe (<a href=\"https:\/\/nickel.eu\/fr\/communique-presse\/nickel-poursuit-son-deploiement-en-europe-et-annonce-son-lancement-en-allemagne\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Nickel<\/strong><\/a>). Tandis que Soci\u00e9t\u00e9 G\u00e9n\u00e9rale transforme Yeeld en n\u00e9obanque, en partenariat avec Treezor et Franfinance (<a href=\"https:\/\/www.societegenerale.com\/sites\/default\/files\/CP%202022%2003%2028%20_%20Yeeld%20choisit%20Treezor%20_%20Franfinance%20pour%20lancer%20une%20offre%20de%20cr%C3%A9dit%20%C3%A0%20la%20consommation%20aupr%C3%A8s%20de%20ses%20clients%20particuliers.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Soci\u00e9t\u00e9 G\u00e9n\u00e9rale<\/strong><\/a>).<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11376 entered lazyloaded\" src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/10\/793beae9aff6407ee1b07e27cf739864-2.png\" sizes=\"auto, (max-width: 715px) 100vw, 715px\" srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/10\/793beae9aff6407ee1b07e27cf739864-2.png 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/05\/this-is-yeeld-v3-600x315.png 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/05\/this-is-yeeld-v3-300x158.png 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/05\/this-is-yeeld-v3-768x403.png 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/05\/this-is-yeeld-v3.png 1200w\" alt=\"\" width=\"715\" height=\"376\" data-lazy-srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/10\/793beae9aff6407ee1b07e27cf739864-2.png 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/05\/this-is-yeeld-v3-600x315.png 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/05\/this-is-yeeld-v3-300x158.png 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/05\/this-is-yeeld-v3-768x403.png 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/05\/this-is-yeeld-v3.png 1200w\" data-lazy-sizes=\"(max-width: 715px) 100vw, 715px\" data-lazy-src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/10\/793beae9aff6407ee1b07e27cf739864-2.png\" data-ll-status=\"loaded\" \/><\/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]M\u00eame si elles commencent \u00e0 jouer dans la cour des Grands aux Etats-Unis, nous l\u2019avons notamment signal\u00e9 pour\u00a0Chime\u00a0ou\u00a0Sofi, les n\u00e9obanques ne sont encore la banque principale que de\u00a01% des Fran\u00e7ais. Autant dire que leur d\u00e9veloppement (et leur train de vie) sont encore financ\u00e9s par des investisseurs bien plus que par leurs r\u00e9sultats. Cela durera-t-il dans [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7617,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[138,137,44,136],"tags":[76,477],"class_list":["post-7603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyse","category-article","category-banque-de-detail","category-dossier","tag-devlhon-consulting","tag-moyens-de-paiement"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/comments?post=7603"}],"version-history":[{"count":5,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7603\/revisions"}],"predecessor-version":[{"id":8190,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7603\/revisions\/8190"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media\/7617"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media?parent=7603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/categories?post=7603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/tags?post=7603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}