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Agencies, advisers, applications ... what the French think of their bank

2021-07-08T08:35:38.749Z


According to an Ifop study for the French Banking Federation (FBF), 89% of individuals say they have a "good image" of their establishment.


A crazy love story between the French and their bank? The sentence could give rise to a smile, in view of the expressed mistrust, sometimes in a virulent manner, on the part of individuals. However, this is what emerges from an Ifop study for the French Banking Federation (FBF) - a professional organization in the sector - among 4,009 people, aged 18 and over. 89% (!) Of French people questioned say they have a “good image” of their own bank, and 86% of their bank advisor. The figure drops to 61% on banks "in general". "This is proof that the French model of a relationship bank works and is popular with the French," insists Maya Atig, general manager of the FBF. Whether physical, with the branch network, or digital thanks to mobile applications, or websites in particular! ""

These figures, almost surprising in view of the closures of bank branches across the country, are put into perspective by Bérengère Dubus, a former banking advisor turned broker.

“Today, the majority of French people say they have no relationship with their bank, except when they want a mortgage.

Bank desertification is developing, relations between bank and customer are reduced to nothing.

A Frenchman, he pays with his credit card and looks at his accounts online.

So obviously, he is neither satisfied nor dissatisfied!

»Retorts the manager of FI Courtage.

The overwhelming majority of 18-34 year olds have downloaded a banking app

Households do seem to be adept at using mobile applications. According to the study, 66% of French people downloaded at least one banking application, against 55% two years earlier. Even if this remains above all the prerogative of 18-34 year olds (85%) rather than 50 and over (55%). These results further strengthen the banks in their policy in the eyes of Maya Atig. “Consumption habits and society are changing, banks are following suit,” says the general manager of the FBF. Too often, we summarize proximity to the square meters of an agency. However, being able to access your accounts remotely, no matter where you are, this makes banking accessible to everyone. "

This also results from a policy of economy in the face of fierce competition from online banks, in particular, whose charges are much lower. A physical agency and the salaries of the advisers accompanying it are expensive. The traditional networks close the places, creating in certain territories veritable banking deserts. Société Générale, for example, has yet announced the closure of 600 branches and the elimination of around 5,000 jobs by 2025, following its merger with Crédit du Nord.

While the French are adapting to new digital uses, they are still skeptical about the use of innovative means of payment. Thus, mobile payment only inspires confidence in 46% of individuals surveyed reveals the study, and facial authentication to access services is only appreciated by 53% of French people. “We do a lot of teaching to reassure our customers,” says Maya Atig. They are not resistant to change, but wait to be supported. "

Source: leparis

All business articles on 2021-07-08

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