e-banking en Europe : Les pays scandinaves aux premières places

Selon une récente recherche publiée par la Deutsche Bank, le taux d’adoption de l’e-banking en Europe se révèle très nettement supérieur au Nord de l’Europe. Néanmoins, tous les pays confirment des tendances positives d’intégration de la relation internet entre la banque et ses clients.

Outre ces statistiques de distribution européenne, cette étude revient également sur les sources d’information utilisées pour les recherches financières effectuées sur Internet. Elle met également en évidence à cette occasion que près de 80% des institutions s’essaient aux stratégies des sites sociaux.

Online banking adoption in Europe: four clusters. Unsurprisingly, Northern European countries are home of the most enthusiastic online bankers with adoption rates of 62-77%. The European core (e.g. Germany, France, UK) constitutes a second cluster with rates between 35 to 54%. The US (41%) would also fit into this group. Most countries with adoption rates below 32% are in Southern and Eastern Europe (Ireland is an exception). Finally, there is group of rather poor countries where online banking has barely taken hold.

Trend towards online banking proceeds unabated. Currently, every third European uses online banking and there are no signs of a slowdown in adoption. By 2020, more than 60% of Europeans may use online banking.

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The Web 2.0 audience is large, attractive but also elusive. Financial firms have started to experiment with social media – particularly in the US. They struggle to square the open communication culture of the Web 2.0 with the privacy and regulatory standards of the financial sector. Many users don’t want to be “friends” with their bank unless there is a meaningful dialogue.

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via Online banking and research – Deutsche Bank (Cache – online banking in europe – Deutsche Bank research)