{"id":20764,"date":"2023-03-30T10:56:57","date_gmt":"2023-03-30T08:56:57","guid":{"rendered":"https:\/\/www.digiteal.eu\/?p=20764"},"modified":"2024-10-08T16:16:34","modified_gmt":"2024-10-08T14:16:34","slug":"quest-ce-que-lopen-banking","status":"publish","type":"post","link":"https:\/\/www.digiteal.eu\/fr\/quest-ce-que-lopen-banking\/","title":{"rendered":"Qu&rsquo;est-ce que l\u2019Open Banking ?"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjov5hx-7c66f7e5cf4304102113879870fd3982\">\n.avia-section.av-lfjov5hx-7c66f7e5cf4304102113879870fd3982{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/03\/OpenBanking-BG.png);\nbackground-position:100% 50%;\nbackground-attachment:scroll;\n}\n.avia-section.av-lfjov5hx-7c66f7e5cf4304102113879870fd3982 .av-section-color-overlay{\nopacity:0.5;\nbackground-color:#00326d;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section 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0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-6x8hrc-448f0419f31601af9c675c304210d0fa av_two_third  avia-builder-el-1  avia-builder-el-no-sibling  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjox3zp-9651d96af5c39583f9583372aa126b66\">\n#top .av-special-heading.av-lfjox3zp-9651d96af5c39583f9583372aa126b66{\npadding-bottom:10px;\ncolor:#ffffff;\nfont-size:50px;\n}\nbody .av-special-heading.av-lfjox3zp-9651d96af5c39583f9583372aa126b66 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-lfjox3zp-9651d96af5c39583f9583372aa126b66 .av-special-heading-tag{\nfont-size:50px;\n}\n.av-special-heading.av-lfjox3zp-9651d96af5c39583f9583372aa126b66 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-lfjox3zp-9651d96af5c39583f9583372aa126b66 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-lfjox3zp-9651d96af5c39583f9583372aa126b66 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-lfjox3zp-9651d96af5c39583f9583372aa126b66 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-lfjox3zp-9651d96af5c39583f9583372aa126b66 av-special-heading-h1 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size av-linked-heading'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Qu\u2019est-ce que l\u2019Open Banking ?<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div class='clear'><\/div><div id='sub_menu1'  class='av-submenu-container av-lfjpyyvz-c525a213cf1a50584c16bb9a3b8b4ada main_color av-switch-768  avia-builder-el-3  el_after_av_section  el_before_av_section  av-sticky-submenu submenu-not-first container_wrap sidebar_right' style='z-index:301' ><div class='container av-menu-mobile-active av-submenu-pos-center'><a href=\"#\" class=\"mobile_menu_toggle\"><span class='avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='list' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"32\" viewBox=\"0 0 22 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>List<\/title>\n<desc id='av-svg-desc-1'>List<\/desc>\n<path d=\"M3.2 20.8q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM3.2 14.4q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM3.2 8q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM9.6 11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2zM20.8 14.4q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2zM20.8 20.8q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2z\"><\/path>\n<\/svg><\/span><span class=\"av-current-placeholder\">Menu<\/span><\/a><ul id='av-custom-submenu-1' class='av-subnav-menu' role='menu'>\n<li class='menu-item av-lfjpy9fu-e05226f37fd2e92da6c1d911ba0c40f6 menu-item-top-level menu-item-top-level-1' role='menuitem'><a href='#what'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Qu\u2019est-ce que l\u2019Open Banking ?<\/span><\/a><\/li>\n<li class='menu-item av-lfjpykpn-392c00383daa4eb66a646923068e7467 menu-item-top-level menu-item-top-level-2' role='menuitem'><a href='#psd2'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>L\u2019Open Banking en Europe<\/span><\/a><\/li>\n<li class='menu-item av-lfjpyy7e-27f061f74d8bae140a96c0e18be54c7c menu-item-top-level menu-item-top-level-3' role='menuitem'><a href='#benefits'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Les avantages de l\u2019Open Banking<\/span><\/a><\/li>\n<li class='menu-item av-lfjpzycc-6b97e786ecd6d750c3314fbf756c2025 menu-item-top-level menu-item-top-level-4' role='menuitem'><a href='#how'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Comment fonctionne l\u2019Open Banking ?<\/span><\/a><\/li>\n<li class='menu-item av-lfjq152y-d60e1f7bfb73f9a23386d3333ba37756 menu-item-top-level menu-item-top-level-5' role='menuitem'><a href='#reliable'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>L\u2019Open Banking est-il s\u00fbr et fiable ?<\/span><\/a><\/li>\n<li class='menu-item av-lfjq1wes-80696cd5a38e208ba0f42cbf38a44c5f menu-item-top-level menu-item-top-level-6' role='menuitem'><a href='#sca'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Qu\u2019est-ce que l\u2019authentification forte du client (SCA) ?<\/span><\/a><\/li>\n<li class='menu-item av-lfjq2nvy-c1b1d365d7e2c7e34de1ea6dc1302ca0 menu-item-top-level menu-item-top-level-7' role='menuitem'><a href='#future'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>L\u2019avenir de l\u2019Open Banking<\/span><\/a><\/li>\n<li class='menu-item av-lfjq3tby-a6f6ecc542185f51077eab0f40163a2b menu-item-top-level menu-item-top-level-8' role='menuitem'><a href='#open-banking-digiteal'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Profitez pleinement des avantages de l\u2019Open Banking avec Digiteal<\/span><\/a><\/li>\n<\/ul><\/div><\/div><div class='sticky_placeholder'><\/div>\n<div id='av_section_2'  class='avia-section av-1teptgo-515044b6abf2721875527e4cd167716e main_color avia-section-default avia-no-border-styling  avia-builder-el-4  el_after_av_submenu  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-20764'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-16waktk-e0cae55b05d8b2f0018b1fe2d8a50659\">\n.flex_column.av-16waktk-e0cae55b05d8b2f0018b1fe2d8a50659{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"what\"  class='flex_column av-16waktk-e0cae55b05d8b2f0018b1fe2d8a50659 av_one_full  avia-builder-el-5  el_before_av_one_full  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpj37w-a82b6e230d7ee5fff9d3e14550628eb4\">\n#top .av_textblock_section.av-lfjpj37w-a82b6e230d7ee5fff9d3e14550628eb4 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpj37w-a82b6e230d7ee5fff9d3e14550628eb4 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\">D\u00e9finition de l&rsquo;Open Banking<\/h2>\n<p>L&rsquo;Open Banking est une pratique du secteur financier selon laquelle les banques autorisent des fournisseurs tiers autoris\u00e9s (TPP) \u00e0 acc\u00e9der aux donn\u00e9es des clients de la banque avec le consentement de ces derniers. Cet acc\u00e8s est facilit\u00e9 par l&rsquo;utilisation d&rsquo;API, ce qui permet aux TPP d&rsquo;offrir des technologies, des applications et des services innovants. Les donn\u00e9es financi\u00e8res partag\u00e9es peuvent inclure <span style=\"font-weight: 600;\">l&rsquo;initiation des paiements<\/span>, les relev\u00e9s et les enregistrements des transactions.<\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jjqsyw-38462a8445edfc257b21c63379d3e16c\">\n.flex_column.av-jjqsyw-38462a8445edfc257b21c63379d3e16c{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"psd2\"  class='flex_column av-jjqsyw-38462a8445edfc257b21c63379d3e16c av_one_full  avia-builder-el-7  el_after_av_one_full  el_before_av_one_full  first flex_column_div av-zero-column-padding  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpm0wl-00a8afacc89b024bff8cefc4c16aba2e\">\n#top .av_textblock_section.av-lfjpm0wl-00a8afacc89b024bff8cefc4c16aba2e .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpm0wl-00a8afacc89b024bff8cefc4c16aba2e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\">L&rsquo;Open Banking en Europe<\/h2>\n<p>L&rsquo;Open Banking est rendu possible en Union europ\u00e9enne par la <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/FR\/TXT\/?uri=celex%3A32015L2366\">Directive sur les services de paiement 2 (DSP2)<\/a>. Celle-ci oblige les institutions financi\u00e8res \u00e0 donner aux TPP l&rsquo;acc\u00e8s aux donn\u00e9es de leurs clients et \u00e0 leurs syst\u00e8mes de paiement.<\/p>\n<p>Cette l\u00e9gislation a \u00e9t\u00e9 promulgu\u00e9e, en Janvier 2018, pour rendre le secteur des services de paiement plus comp\u00e9titif, encourager les nouvelles id\u00e9es et le rendre plus s\u00fbr. La DSP2 permet aux clients de partager en toute s\u00e9curit\u00e9 leurs donn\u00e9es financi\u00e8res avec les prestataires de services de paiement. Ils peuvent ainsi comparer les diff\u00e9rents produits et services financiers disponibles sur le march\u00e9. Ils peuvent ainsi choisir ceux qui r\u00e9pondent le mieux \u00e0 leurs besoins.<\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpzao9-0db41602c46dcf764e6c5518febbd477\">\n.flex_column.av-lfjpzao9-0db41602c46dcf764e6c5518febbd477{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"benefits\"  class='flex_column av-lfjpzao9-0db41602c46dcf764e6c5518febbd477 av_one_full  avia-builder-el-9  el_after_av_one_full  el_before_av_one_full  first flex_column_div av-zero-column-padding  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpqbox-85b7535a0a2bc2298d69098b386638ac\">\n#top .av_textblock_section.av-lfjpqbox-85b7535a0a2bc2298d69098b386638ac .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpqbox-85b7535a0a2bc2298d69098b386638ac '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\">Les avantages de l&rsquo;Open Banking<\/h2>\n<p>Les principaux avantages de l&rsquo;Open Banking et de la DSP2 sont les suivants :<\/p>\n<ul>\n<li><span style=\"font-weight: 600;\">Concurrence accrue :<\/span> l&rsquo;Open Banking permet aux nouveaux entrants sur le march\u00e9 de concurrencier les banques traditionnelles en offrant aux consommateurs des produits et services financiers innovants.<\/li>\n<li><span style=\"font-weight: 600;\">Am\u00e9lioration de l&rsquo;exp\u00e9rience client : <\/span>la DSP2 exige des banques qu&rsquo;elles ouvrent l&rsquo;acc\u00e8s aux donn\u00e9es de leurs clients \u00e0 des fournisseurs tiers. Cela permet de cr\u00e9er de nouveaux services financiers plus pratiques et plus conviviaux.<\/li>\n<li><span style=\"font-weight: 600;\">L&rsquo;inclusion financi\u00e8re : <\/span>les personnes vivant dans des communaut\u00e9s mal desservies pourront ainsi acc\u00e9der plus facilement aux services financiers.<\/li>\n<li><span style=\"font-weight: 600;\">S\u00e9curit\u00e9 accrue :<\/span> la DSP2 comprend des exigences de s\u00e9curit\u00e9 strictes en mati\u00e8re de protection des donn\u00e9es clients. Les banques doivent utiliser des communications s\u00e9curis\u00e9es et des m\u00e9thodes robustes d&rsquo;authentification des clients pour accorder l&rsquo;acc\u00e8s aux donn\u00e9es financi\u00e8res.<\/li>\n<li><span style=\"font-weight: 600;\">Des paiements plus transparents et plus efficaces :<\/span> l&rsquo;Open Banking et la DSP2 favorisent des services de paiement plus rapides, plus s\u00fbrs et plus transparents. Ils peuvent r\u00e9duire les d\u00e9lais et les co\u00fbts associ\u00e9s aux services bancaires traditionnels.<\/li>\n<\/ul>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq08qg-7369b8c111ec0ff8567fe05c084e5793\">\n.flex_column.av-lfjq08qg-7369b8c111ec0ff8567fe05c084e5793{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"how\"  class='flex_column av-lfjq08qg-7369b8c111ec0ff8567fe05c084e5793 av_one_full  avia-builder-el-11  el_after_av_one_full  el_before_av_one_full  first flex_column_div av-zero-column-padding  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjprvav-c595636987407236acf725adccc96676\">\n#top .av_textblock_section.av-lfjprvav-c595636987407236acf725adccc96676 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjprvav-c595636987407236acf725adccc96676 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\">Comment fonctionne l&rsquo;Open Banking ?<\/h2>\n<p>La mise en \u0153uvre d&rsquo;<a href=\"\/fr\/les-api-en-open-banking-tout-ce-que-vous-devez-savoir\/\">API d&rsquo;Open Banking<\/a> permet un acc\u00e8s s\u00e9curis\u00e9 aux informations sur les comptes d&rsquo;un client. Cela permet aux fournisseurs tiers (TPP) d&rsquo;initier des paiements au nom des clients.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfs904ar-2a3cbea391da87ae78e8cd2c0dec2c01\">\n@keyframes av_boxShadowEffect_av-lfs904ar-2a3cbea391da87ae78e8cd2c0dec2c01 {\n0%   { box-shadow:  0 0 0 0 #cecece; opacity: 1; }\n100% { box-shadow:  0 0 3px 0 #cecece; opacity: 1; }\n}\n.avia-image-container.av-lfs904ar-2a3cbea391da87ae78e8cd2c0dec2c01 img.avia_image{\nbox-shadow: 0 0 3px 0 #cecece;\n}\n.avia-image-container.av-lfs904ar-2a3cbea391da87ae78e8cd2c0dec2c01 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lfs904ar-2a3cbea391da87ae78e8cd2c0dec2c01 av-styling- avia-align-left  avia-builder-el-13  el_after_av_textblock  el_before_av_textblock  av-img-box-shadow av-box-shadow-not-animated'   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-20759 avia-img-lazy-loading-not-20759 avia_image shadow-not-animated' src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/03\/Open-Banking-EN.png\" alt='Open Banking Digiteal' title='Open Banking Digiteal'  height=\"370\" width=\"740\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/03\/Open-Banking-EN.png 740w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/03\/Open-Banking-EN-300x150.png 300w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/03\/Open-Banking-EN-705x353.png 705w\" sizes=\"(max-width: 740px) 100vw, 740px\" \/><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfs8z9mx-26e4a366fd8aca8603424daf9587336e\">\n#top .av_textblock_section.av-lfs8z9mx-26e4a366fd8aca8603424daf9587336e .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfs8z9mx-26e4a366fd8aca8603424daf9587336e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" >\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-p9on48-9ff333c112b1c169324688a4e7cd5f03\">\n#top .hr.hr-invisible.av-p9on48-9ff333c112b1c169324688a4e7cd5f03{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-p9on48-9ff333c112b1c169324688a4e7cd5f03 hr-invisible  avia-builder-el-15  avia-builder-el-no-sibling '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<p>Les clients doivent donner leur accord pour que les TPP puissent acc\u00e9der \u00e0 leurs informations financi\u00e8res et initier des paiements en leur nom. La banque doit alors authentifier le TPP et s&rsquo;assurer que les donn\u00e9es du client sont transmises en toute s\u00e9curit\u00e9. Le r\u00e8glement DSP2 exige \u00e9galement que les banques appliquent des <span style=\"font-weight: 600;\">mesures d&rsquo;authentification forte<\/span> du client (SCA) afin de prot\u00e9ger les clients contre la fraude.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq0ke3-01b1df66fbe3cd544851b02de1c9a285\">\n.flex_column.av-lfjq0ke3-01b1df66fbe3cd544851b02de1c9a285{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"reliable\"  class='flex_column av-lfjq0ke3-01b1df66fbe3cd544851b02de1c9a285 av_one_full  avia-builder-el-16  el_after_av_one_full  el_before_av_one_full  first flex_column_div av-zero-column-padding  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpvbt4-d9a677da833c4f4cde0eabcce873b309\">\n#top .av_textblock_section.av-lfjpvbt4-d9a677da833c4f4cde0eabcce873b309 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpvbt4-d9a677da833c4f4cde0eabcce873b309 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\">L&rsquo;Open Banking est-il s\u00fbr et fiable ?<\/h2>\n<p>La DSP2 a \u00e9t\u00e9 con\u00e7ue dans un souci de s\u00e9curit\u00e9 et de fiabilit\u00e9 et comprend plusieurs mesures visant \u00e0 prot\u00e9ger les donn\u00e9es des clients et les paiements.<\/p>\n<p>L&rsquo;authentification forte du client est l&rsquo;une des principales mesures de s\u00e9curit\u00e9. Pour acc\u00e9der aux informations financi\u00e8res ou effectuer des paiements, les clients doivent \u00eatre authentifi\u00e9s \u00e0 l&rsquo;aide d&rsquo;une authentification \u00e0 deux facteurs. Cela permet d&#8217;emp\u00eacher l&rsquo;acc\u00e8s non autoris\u00e9 aux comptes des clients.<\/p>\n<p>Le r\u00e8glement exige que les donn\u00e9es des clients soient envoy\u00e9es de mani\u00e8re s\u00e9curis\u00e9e. Cela se fait par le biais <span style=\"font-weight: 600;\">d&rsquo;API crypt\u00e9es<\/span>. Cela permet d&rsquo;\u00e9viter tout acc\u00e8s non autoris\u00e9 ou toute interception d&rsquo;informations sensibles.<\/p>\n<p>En outre, la DSP2 exige que les banques mettent en \u0153uvre des <span style=\"font-weight: 600;\">mesures de s\u00e9curit\u00e9 strictes pour se prot\u00e9ger contre la fraude<\/span> et l&rsquo;acc\u00e8s non autoris\u00e9 aux comptes des clients. Ces mesures peuvent inclure la surveillance des activit\u00e9s suspectes, la r\u00e9alisation d&rsquo;audits de s\u00e9curit\u00e9 r\u00e9guliers et la mise en \u0153uvre de protocoles de s\u00e9curit\u00e9 tels que des pare-feu et des syst\u00e8mes de d\u00e9tection d&rsquo;intrusion.<\/p>\n<p>Cependant, comme toute technologie, l&rsquo;Open Banking et les API DSP2 ne sont pas totalement \u00e0 l&rsquo;abri des risques de s\u00e9curit\u00e9. Il existe toujours un risque que des fraudeurs trouvent un moyen d&rsquo;exploiter le syst\u00e8me. Il est essentiel que les clients soient vigilants et suivent les meilleures pratiques de s\u00e9curit\u00e9 pour prot\u00e9ger leurs informations financi\u00e8res.<\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq27us-01be9fa52a4e171307a9ab6a806cf170\">\n.flex_column.av-lfjq27us-01be9fa52a4e171307a9ab6a806cf170{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"sca\"  class='flex_column av-lfjq27us-01be9fa52a4e171307a9ab6a806cf170 av_one_full  avia-builder-el-18  el_after_av_one_full  el_before_av_one_full  first flex_column_div av-zero-column-padding  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpw4lm-f0f8d81786b83ea56be47d83650f7edb\">\n#top .av_textblock_section.av-lfjpw4lm-f0f8d81786b83ea56be47d83650f7edb .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpw4lm-f0f8d81786b83ea56be47d83650f7edb '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\">Qu&rsquo;est-ce que l&rsquo;authentification forte du client (SCA) ?<\/h2>\n<p>L&rsquo;authentification forte du client est une mesure de s\u00e9curit\u00e9 requise par la DSP2 pour les paiements et les <span style=\"font-weight: 600;\">transactions \u00e9lectroniques<\/span>. L&rsquo;objectif de l&rsquo;authentification forte est de r\u00e9duire le risque de fraude. Il exige que les clients fournissent une authentification \u00e0 deux facteurs, par exemple quelque chose qu&rsquo;ils connaissent, qu&rsquo;ils ont ou qu&rsquo;ils sont. Ils doivent le faire avant d&rsquo;acc\u00e9der \u00e0 leurs informations financi\u00e8res ou d&rsquo;effectuer des paiements.<\/p>\n<p>Le SCA exige des clients qu&rsquo;ils fournissent au moins deux formes d&rsquo;authentification de cat\u00e9gories diff\u00e9rentes. Par exemple, le client doit fournir un mot de passe (quelque chose qu&rsquo;il conna\u00eet) et une empreinte digitale ou une reconnaissance faciale (quelque chose qu&rsquo;il est). Cela permet aux fraudeurs d&rsquo;acc\u00e9der plus difficilement aux comptes des clients et \u00e0 leurs informations financi\u00e8res sensibles.<\/p>\n<p>Le SCA s&rsquo;applique \u00e0 diverses transactions \u00e9lectroniques, y compris les paiements en ligne, par t\u00e9l\u00e9phone et par carte. Le SCA contribue \u00e0 s\u00e9curiser et \u00e0 renforcer les paiements et les transactions \u00e9lectroniques. Il prot\u00e8ge \u00e9galement les clients contre la fraude. Pour ce faire, il demande aux clients de fournir deux formes d&rsquo;authentification.<\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq2vcp-caddf020032c09bc41998974cea8a54c\">\n.flex_column.av-lfjq2vcp-caddf020032c09bc41998974cea8a54c{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"future\"  class='flex_column av-lfjq2vcp-caddf020032c09bc41998974cea8a54c av_one_full  avia-builder-el-20  el_after_av_one_full  el_before_av_one_full  first flex_column_div av-zero-column-padding  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpx1ff-da77483b8cbd086db7a2a12fe23e9cc1\">\n#top .av_textblock_section.av-lfjpx1ff-da77483b8cbd086db7a2a12fe23e9cc1 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpx1ff-da77483b8cbd086db7a2a12fe23e9cc1 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\">L&rsquo;avenir de l&rsquo;Open Banking<\/h2>\n<p>L&rsquo;avenir de l&rsquo;Open Banking sera probablement marqu\u00e9 par une croissance et une adoption continues, ainsi que par une surveillance r\u00e9glementaire accrue. En effet, les consommateurs veulent des services financiers plus s\u00fbrs et plus efficaces. Quant \u00e0 la confidentialit\u00e9 et la s\u00e9curit\u00e9 des donn\u00e9es, celles-ci deviennent de plus en plus importantes \u00e0 l&rsquo;\u00e8re num\u00e9rique.<\/p>\n<p>Nous nous attendons \u00e0 de nouveaux d\u00e9veloppements dans la <span style=\"font-weight: 600;\">normalisation des API<\/span>, \u00e0 des mesures de s\u00e9curit\u00e9 renforc\u00e9es et \u00e0 une concurrence accrue entre les banques et les entreprises FinTech dans les ann\u00e9es \u00e0 venir. L&rsquo;objectif de l&rsquo;Open Banking est de rendre le syst\u00e8me financier plus accessible et plus convivial. Cela permettra aux consommateurs de mieux ma\u00eetriser leurs finances.<\/p>\n<p>Une nouvelle r\u00e9vision de la directive sur les services de paiement (<span style=\"font-weight: 600;\">DSP3<\/span>) est \u00e9galement pr\u00e9vue. Elle augmentera la dur\u00e9e de validit\u00e9 des consentements. Elle inclura \u00e9galement l&rsquo;acc\u00e8s \u00e0 d&rsquo;autres types de comptes (\u00e9pargne, commerce, cartes de cr\u00e9dit). Les API existantes seront am\u00e9lior\u00e9es et d&rsquo;autres API seront mises \u00e0 disposition au fur et \u00e0 mesure de l&rsquo;\u00e9volution de la r\u00e9glementation.<\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq3cfx-c2534651fb40cda2043f8f26cbb199e8\">\n.flex_column.av-lfjq3cfx-c2534651fb40cda2043f8f26cbb199e8{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  id=\"open-banking-digiteal\"  class='flex_column av-lfjq3cfx-c2534651fb40cda2043f8f26cbb199e8 av_one_full  avia-builder-el-22  el_after_av_one_full  avia-builder-el-last  first flex_column_div av-zero-column-padding  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpxr4z-d89d9bfe3ca09bf41a78a38734daf39a\">\n#top .av_textblock_section.av-lfjpxr4z-d89d9bfe3ca09bf41a78a38734daf39a .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpxr4z-d89d9bfe3ca09bf41a78a38734daf39a '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\">Profitez pleinement des avantages de l&rsquo;Open Banking avec Digiteal<\/h2>\n<p>L&rsquo;Open Banking fournit des services de paiement nouveaux et am\u00e9lior\u00e9s. Pour ce faire, les consommateurs et les entreprises b\u00e9n\u00e9ficient d&rsquo;un acc\u00e8s s\u00e9curis\u00e9 \u00e0 leurs donn\u00e9es bancaires.<\/p>\n<p>Digiteal peut vous aider \u00e0 tirer pleinement parti de ces avantages en vous proposant des solutions et des services innovants fond\u00e9s sur les principes de l&rsquo;Open Banking. Cela peut inclure des transactions plus rapides, moins ch\u00e8res et plus s\u00fbres, ainsi qu&rsquo;une gestion financi\u00e8re et une vision am\u00e9lior\u00e9es.<\/p>\n<p>Contactez-nous pour savoir comment nous pouvons vous aider \u00e0 profiter pleinement des avantages de l&rsquo;Open Banking et de la DSP2.<\/p>\n<\/div><\/section><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_2'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-20764'><div class='entry-content-wrapper clearfix'>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;Open Banking r\u00e9volutionne les services financiers et le secteur bancaire tels que nous les connaissons. D\u00e9couvrez comment fonctionne cette technologie.<\/p>\n","protected":false},"author":8,"featured_media":20744,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[190,171,191,162,192],"tags":[],"class_list":["post-20764","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-open-banking-fr","category-paiement","category-psd2-fr","category-standard-europeen","category-tpp-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu&#039;est-ce que l\u2019Open Banking ? - DigiTeal<\/title>\n<meta name=\"description\" content=\"L&#039;Open Banking r\u00e9volutionne les services financiers et le secteur bancaire tels que nous les connaissons. 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