Le marché de la banque en ligne en France : un cas à part dans le monde

Les français champion de la banque en ligne

Le marché français de la banque en ligne est l’un des plus concurrentiels au monde. Avec ses 6 acteurs que sont Boursorama Banque, ING Direct, Hello Bank, Fortuneo, Monabanq et très bientôt BforBank, la concurrence est féroce entre les différents acteurs de la banque en ligne.

A titre de comparaison, les acteurs de la banque en ligne dans le reste des pays européens se limitent souvent à deux ou trois acteurs grand maximum. Ainsi, ouvrir un compte bancaire en ligne est une démarche nettement moins prisée chez les particuliers européens, avec des chiffres en deçà de ce qui se fait dans l’hexagone.

Ouvrir un compte bancaire : une offre française large

Pour comprendre la raison du nombre d’acteurs importants dans le marché de la banque en ligne, il faut regarder du côté des banques françaises historiques, dont les banques en ligne ne sont que des filiales. La seule banque qui n’appartient pas à un groupe bancaire est ING Direct.

Il est fort à parier que cet engouement pour les banques en ligne continue. La banque est véritablement en train de connaître un tournant en matière de dématérialisation, comme ont pu le connaître d’autres secteurs.

L’ouverture d’un compte dans une banque en ligne est un phénomène qui tend de plus en plus à se banaliser. Aujourd’hui, 1 compte bancaire sur 3 qui s’ouvre est un compte en banque qui est souscrit dans une banque en ligne. La concurrence devrait ainsi s’intensifier avec le temps, et les offres promotionnelles, la qualité et la variété des services se développer, toujours dans la volonté de la part des banques en ligne de convaincre de plus en plus de particuliers à ouvrir un compte en ligne dans leur établissement.

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