{"id":7909,"date":"2022-09-08T10:47:51","date_gmt":"2022-09-08T08:47:51","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=7909"},"modified":"2022-09-08T10:47:52","modified_gmt":"2022-09-08T08:47:52","slug":"les-strategies-de-niche-cle-du-developpement-des-neobanques-americaines","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/fr\/les-strategies-de-niche-cle-du-developpement-des-neobanques-americaines\/","title":{"rendered":"Les strat\u00e9gies de niche, cl\u00e9 du d\u00e9veloppement des n\u00e9obanques am\u00e9ricaines"},"content":{"rendered":"

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Faire la diff\u00e9rence sur un segment particulier de client\u00e8le mal servi par les banques et se d\u00e9velopper sur cette base c\u2019est, comme nous l\u2019avons d\u00e9j\u00e0 plusieurs fois soulign\u00e9, ce qui a \u00e9t\u00e9 le tremplin du d\u00e9veloppement de n\u00e9obanques qui, comme\u00a0Chime<\/strong><\/a> ou\u00a0SoFi<\/strong><\/a>, challengent aujourd\u2019hui s\u00e9rieusement les \u00e9tablissements bancaires classiques aux Etats-Unis. C\u2019est \u00e9galement une strat\u00e9gie qui\u00a0inspire de nombreuses cr\u00e9ations<\/strong><\/a>.<\/span><\/p>\n

Mais le terme de \u00ab\u00a0niche\u00a0\u00bb peut \u00eatre trompeur car on pense alors \u00e0 une client\u00e8le bien particuli\u00e8re. En fait, il s\u2019agit plut\u00f4t d\u2019identifier un besoin mal servi par les banques, ce qui p\u00e8se particuli\u00e8rement sur diff\u00e9rents publics. Ainsi, la fintech californienne\u00a0X1<\/strong><\/a> entend r\u00e9pondre \u00e0 la difficult\u00e9 que rencontre pour acc\u00e9der au cr\u00e9dit tous ceux \u2013 jeunes exer\u00e7ant un premier emploi, \u00e9trangers r\u00e9cemment arriv\u00e9s, \u2026 \u2013 qui ne disposent pas d\u2019un\u00a0credit score<\/em>\u00a0et qui ont besoin d\u2019en obtenir un rapidement.<\/span><\/p>\n

\"\"A ce compte, la \u00ab\u00a0niche\u00a0\u00bb peut \u00eatre tr\u00e8s large et, dans une interview \u00e0\u00a0The Financial Brand<\/strong><\/a>, le Chief Marketing Officer de la n\u00e9obanque Dave affirme viser une \u00ab\u00a0niche\u00a0\u00bb de\u2026 50 millions d\u2019Am\u00e9ricains qui, pour financer leurs d\u00e9penses courantes, doivent recourir \u00e0 des solutions on\u00e9reuses telles que les d\u00e9couverts.<\/span><\/p>\n

L\u2019id\u00e9e n\u2019est donc pas de viser seulement une client\u00e8le en particulier mais, par rapport \u00e0 un besoin pr\u00e9cis, de changer les r\u00e8gles du jeu. Ce qui permet de positionner son image et d\u2019\u00e9tendre ensuite ses offres.<\/span><\/p>\n

Une approche assez classique somme toute mais \u00e0 laquelle, si l\u2019on regarde bien, les fintechs europ\u00e9ennes ont bien moins recours.<\/span><\/p>\n

Score Advisor<\/span><\/div>\n

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Les n\u00e9obanques am\u00e9ricaines se d\u00e9veloppent en s’installant sur des niches mal servies par les banques traditionnelles, est-ce l\u00e0 la cl\u00e9 de leur succ\u00e8s ?<\/p>\n","protected":false},"author":6,"featured_media":7910,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[138,137,44,55],"tags":[462,409,543,544,545,94,467],"class_list":["post-7909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyse","category-article","category-banque-de-detail","category-risques-credit-marche","tag-banque-des-usages","tag-banques","tag-beyondbanking","tag-developpement","tag-etats-unis","tag-fintech","tag-neobanque"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7909","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=7909"}],"version-history":[{"count":8,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7909\/revisions"}],"predecessor-version":[{"id":7926,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7909\/revisions\/7926"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media\/7910"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media?parent=7909"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/categories?post=7909"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/tags?post=7909"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}