Services bancaires tout numérique et opérations cloud : vers un avenir guidé par la technologie

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Services bancaires tout numérique et opérations cloud : vers un avenir guidé par la technologie  Les leaders du secteur de la banque numérique discutent de l'impact transformateur des portefeuilles numériques et de la fintech sur le secteur bancaire, en soulignant l'innovation, les besoins des consommateurs et les tendances émergentes qui façonnent l'avenir de la finance.  En partenariat avec Media City  LIRE L’ARTICLE : http://fr.euronews.com/2025/05/21/services-bancaires-tout-numerique-et-operations-cloud-vers-un-avenir-guide-par-la-technolo  Abonnez-vous à notre chaine. Euronews est disponible sur Dailymotion en 12 langues

Transcript

00:01Digital wallets, fintech and neobanks are transforming banking through innovation.

00:07As more traditional banks take on a digital-first approach,

00:10we explore a future where technology is redefining our banking solutions.

00:17Welcome to The Exchange from our studio here in Doha.

00:21Coming up on this episode, we sit down with Yusuf Al-Neyma,

00:24Group Chief Business Officer at Qatar National Bank,

00:27who shares insights on embracing technology in banking.

00:31And we chat with Juan Pablo Ortega, CEO and co-founder of UNO,

00:36to discuss the rise of new payment solutions.

00:39Digital transformation is no longer optional.

00:43It's essential for banks to remain competitive in a rapidly changing environment.

00:48New technologies are drastically transforming the banking industry,

00:52with physical branches slowly being phased out.

00:55Operations across all departments like remittances,

00:58payments and investments will be made in the cloud.

01:02Innovations such as AI and automation are proving to be invaluable,

01:07reshaping how banks offer their services like digital cards and chatbots.

01:11On the flip side, with the advancement of AI,

01:15financial crime is becoming increasingly sophisticated,

01:18prompting the need for stricter prevention measures.

01:20Last year, over 50% of banks reported a rise in business fraud,

01:26while consumer fraud losses amounted to over $10 billion.

01:31So, how is the industry evolving in the digital era?

01:35And what does the future hold for traditional banks?

01:38I sat down with Yusuf Al-Neyma,

01:40Group Chief Business Officer of Qatar National Bank,

01:43to discuss how a legacy bank like QNB

01:46is embracing technology and digitalization.

01:49We're excited about digital banking.

01:53I think this is, today, this is the talk.

01:56Everybody wants to apply for a digital banking license.

02:00We are living in the digital era now.

02:03And soon, you will not see branches,

02:06probably in a couple of years ahead.

02:09Our strategy is really to provide

02:12seamless banking service worldwide.

02:15We have a presence all the way from the UK,

02:19all the way to China.

02:21We are in more than 28 countries.

02:23Banking is evolving and advancing to the next stage

02:27because of technology.

02:28Today, the spending on technology is huge.

02:31The rise of online-only digital banks, or neobanks,

02:35has dialed up competition in the financial services market,

02:39especially among younger consumers.

02:41Our reporter, Cyril Fornares, is in Switzerland,

02:44where neobanks are giving their traditional predecessors

02:47a run for their money.

02:50Hello, Laila.

02:51I'm here in Geneva,

02:53where financial institutions like banks

02:55are a normal part of the Swiss landscape.

02:58But that's quickly changing.

03:00New digital players,

03:02known as neobanks,

03:04are making their marks.

03:05There are banks that operate mainly online,

03:09without any physical branches.

03:11Let's take a look.

03:14Alpian is a neobank that coughed out a place for itself

03:18in this growing market.

03:20The private bank convinced thousands

03:21to open free accounts in just minutes

03:24by offering them premium services

03:26and a host of attractive benefits.

03:29They like discretion,

03:31they like data privacy,

03:32and they like financial security.

03:34They also like having a very good service.

03:37So how do you answer to this?

03:39Throughout our hybrid model,

03:41cutting-edge technology with human expertise.

03:44If you want,

03:44you can be accompanied by a wealth advisor

03:47directly through your phone.

03:49And at the same time,

03:50we keep evolving all the time.

03:53We are purely digital.

03:54We have no legacy at all.

03:56So for us, it's very easy to move.

03:57It's very easy to be agile.

03:59From one week to another one,

04:01we're able to implement new technologies very fast.

04:04Studies show that the Swiss are particularly loyal to their bank,

04:08but more are turning to digital banks every year.

04:11I have a physical bank and also an online bank.

04:14I've done it recently because there were plenty of advantages

04:16at the non-fraies in the foreign country.

04:19It's very practical in reality,

04:20I don't regret it,

04:21but I've well preserved a physical bank also.

04:23I've never had the opportunity to create a bank in a online bank.

04:28I've never thought of it.

04:28Just simply,

04:29I've always had a bank with a physical bank.

04:31I like to have something that I can talk about,

04:36have a contact with someone.

04:37It's still a start-up,

04:38so we're not going to put all our capital on it.

04:40According to a report by financial experts at Deloitte,

04:44Swiss retail banks are falling behind in digitalization,

04:48giving neobanks like Alpian an opportunity

04:52to drive innovative change.

04:54Over to you, Leila.

04:55Other than neobanks,

04:58emerging trends in payment methods

05:00are also shaking up traditional banking.

05:02I spoke with Juan Pablo Ortega,

05:05CEO and co-founder of YouKnow,

05:07a company that provides innovative payment solutions

05:10to explore how alternative methods

05:13are reshaping the financial landscape.

05:17We have seen a rise of APMs,

05:20alternative payment methods.

05:22So for a while,

05:23companies used to expand accepting credit cards

05:26and debit cards.

05:26But then you look at,

05:27for example,

05:28Saudi Arabia.

05:30Only 20,

05:3130% of the population

05:32have a visa or a MasterCard.

05:34Most of the people use MARA,

05:36which is the local domestic scheme.

05:38We go into Indonesia.

05:40Indonesians love their wallets.

05:42You have Ovo,

05:43you have Dana,

05:44you have GoPay,

05:45you have GrabPay.

05:46So we're seeing an emergence

05:48of different payment methods

05:50and we're seeing that this is a struggle

05:51for companies

05:52because then I have to span,

05:54I have to do more integrations.

05:55In terms of new technologies

05:56where we're seeing encryption,

05:59authentication,

06:00we are the launch customer

06:01with MasterCard

06:02of being able to pay with passkeys.

06:05Passkeys are these cryptographic keys

06:07that you save in your device.

06:08We're seeing a big future

06:10of stable coins.

06:12Stable coins at USEC,

06:14USE3,

06:15I think it's going to become the norm

06:16as people want to pay around the world.

06:20Now it's time for our regular feature,

06:22Business in 60 Seconds.

06:24Start the clock.

06:25Lenovo is gearing up

06:27to announce Q4 2025 earnings,

06:29having recently unveiled

06:30its transformable laptop

06:32with a screen

06:32that can flip and fold.

06:34The device features

06:36a high-resolution display

06:37with touch capabilities.

06:39It provides users

06:40with an immersive visual experience

06:42showcasing the company's focus

06:43on innovative product designs.

06:46Ralph Lauren is preparing

06:47to reveal its fourth quarter

06:482025 earnings report

06:50as the US fashion house

06:51has worked to reposition itself

06:53focusing on its core product strengths

06:56like cable knit sweaters

06:57and blazers.

06:59Effective marketing

07:00such as being chosen

07:01to dress the US Olympic team

07:02has continued to strengthen

07:04its trendy image.

07:06And Zoom is set to release

07:07its first quarter 2026 financial results.

07:11The video conferencing company

07:12has made various

07:13technological advancements.

07:15This includes

07:16the new Zoom business services

07:17for marketing,

07:18customer care and sales.

07:20It's also enhanced

07:21its offering for content creation

07:23and asset management.

07:26So while the banking behemoths

07:28of the world

07:29still dominate

07:30the financial services market,

07:32digitalization and innovation

07:33are essential to compete

07:35with the emerging players.

07:36for consumers

07:37this means learning

07:39to adapt to a new way

07:40of saving and spending

07:41their money

07:42and perhaps banking

07:43on a digital future.

07:45Well that's all the time

07:46we have for

07:47on this edition of the show.

07:48Thanks for watching.

07:49Please do check out

07:50euronews.com

07:51for all your latest business news

07:52and join us again next time

07:54on The Exchange.

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