{"id":53533,"date":"2025-05-30T13:21:14","date_gmt":"2025-05-30T11:21:14","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=53533"},"modified":"2025-05-30T13:21:14","modified_gmt":"2025-05-30T11:21:14","slug":"agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/fr\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/","title":{"rendered":"Agences bancaires : l'art de rationaliser sans perdre du terrain - Les Echos"},"content":{"rendered":"

Les banques fran\u00e7aises sont mises au d\u00e9fi de trouver le bon dosage entre leur parc d'agences et le \" tout \u00e0 distance \". La banque en ligne suffit-elle \u00e0 fid\u00e9liser les clients ? En desserrant leur maillage territorial, les \u00e9tablissements ne risquent-ils pas de perdre trop de parts de march\u00e9 ?<\/p>\n

(\u2026)<\/p>\n

Avec leur toile tr\u00e8s dense (50 agences pour 100.000 habitants, contre environ la moiti\u00e9 en Europe), les banques traditionnelles fran\u00e7aises ont longtemps r\u00e9ussi \u00e0 attirer dans leurs filets la majorit\u00e9 des clients. Mais la donne a chang\u00e9. En 2024, les champions du num\u00e9rique emmen\u00e9s par\u00a0BoursoBank<\/a>\u00a0et ses 8 millions d'adeptes, Nickel,\u00a0Fortuneo,<\/a>\u00a0Revolut et N26 ont capt\u00e9 environ 40 % des nouveaux clients dans l'Hexagone, pointe Nicolas Darbo<\/strong>, associ\u00e9 au sein du cabinet Accuracy<\/strong>.<\/p>\n

Ces deux derni\u00e8res ann\u00e9es, les activit\u00e9s de banque de d\u00e9tail en France ont \u00e9t\u00e9 mises \u00e0 mal par la remont\u00e9e des taux, les portefeuilles des \u00e9tablissements \u00e9tant constitu\u00e9s de pr\u00eats \u00e0 taux fixe et de livrets d'\u00e9pargne r\u00e9glement\u00e9e. Dans un contexte d'amorce de baisse des taux, ce m\u00e9tier a entam\u00e9 une l\u00e9g\u00e8re reprise dans l'Hexagone l'an dernier. Le rebond devrait s'accentuer en 2025, notamment parce que le taux du\u00a0Livret A<\/a>\u00a0va continuer sa d\u00e9crue et que les banques voient les taux moyens du cr\u00e9dit immobilier augmenter. La banque de d\u00e9tail est toutefois confront\u00e9e au d\u00e9fi du redressement durable de sa rentabilit\u00e9.<\/p>\n

\n

Lire l'article complet ici<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

Les banques fran\u00e7aises sont mises au d\u00e9fi de trouver le bon dosage entre leur parc d’agences et le \u00ab\u00a0tout \u00e0 distance\u00a0\u00bb. La banque en ligne suffit-elle \u00e0 fid\u00e9liser les clients\u00a0? En desserrant leur maillage territorial, les \u00e9tablissements ne risquent-ils pas de perdre trop de parts de march\u00e9\u00a0? (…) Avec leur toile tr\u00e8s dense (50\u00a0agences pour […]<\/p>\n","protected":false},"author":38,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[113,316],"tags":[],"class_list":["post-53533","post","type-post","status-publish","format-standard","hentry","category-france","category-press"],"acf":[],"yoast_head":"\nAgences bancaires : l'art de rationaliser sans perdre du terrain - Les Echos - Accuracy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accuracy.com\/fr\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Agences bancaires : l'art de rationaliser sans perdre du terrain - Les Echos\" \/>\n<meta property=\"og:description\" content=\"Les banques fran\u00e7aises sont mises au d\u00e9fi de trouver le bon dosage entre leur parc d’agences et le \u00ab\u00a0tout \u00e0 distance\u00a0\u00bb. La banque en ligne suffit-elle \u00e0 fid\u00e9liser les clients\u00a0? En desserrant leur maillage territorial, les \u00e9tablissements ne risquent-ils pas de perdre trop de parts de march\u00e9\u00a0? (…) Avec leur toile tr\u00e8s dense (50\u00a0agences pour […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.accuracy.com\/fr\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/\" \/>\n<meta property=\"og:site_name\" content=\"Accuracy\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-30T11:21:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/10\/Accuracy.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ma\u00eblys Gomis\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ma\u00eblys Gomis\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\\\/\"},\"author\":{\"name\":\"Ma\u00eblys Gomis\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/person\\\/68ce67d9b9beccdb553af07dbe3a32fd\"},\"headline\":\"Agences bancaires : l’art de rationaliser sans perdre du terrain – Les Echos\",\"datePublished\":\"2025-05-30T11:21:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\\\/\"},\"wordCount\":263,\"publisher\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#organization\"},\"articleSection\":[\"France\",\"Press\"],\"inLanguage\":\"fr-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\\\/\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\\\/\",\"name\":\"Agences bancaires : l'art de rationaliser sans perdre du terrain - Les Echos - Accuracy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#website\"},\"datePublished\":\"2025-05-30T11:21:14+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\\\/#breadcrumb\"},\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.accuracy.com\\\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.accuracy.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Agences bancaires : l’art de rationaliser sans perdre du terrain – Les Echos\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#website\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/\",\"name\":\"Accuracy\",\"description\":\"Business Advisers - Financial Consultants\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.accuracy.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#organization\",\"name\":\"Accuracy\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/unnamed-3.jpg\",\"contentUrl\":\"https:\\\/\\\/www.accuracy.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/unnamed-3.jpg\",\"width\":512,\"height\":512,\"caption\":\"Accuracy\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/accuracy\\\/?originalSubdomain=fr\",\"https:\\\/\\\/www.instagram.com\\\/accuracycareers\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/person\\\/68ce67d9b9beccdb553af07dbe3a32fd\",\"name\":\"Ma\u00eblys Gomis\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g\",\"caption\":\"Ma\u00eblys Gomis\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Agences bancaires : l'art de rationaliser sans perdre du terrain - Les Echos - Pr\u00e9cision","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.accuracy.com\/fr\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/","og_locale":"fr_CA","og_type":"article","og_title":"Agences bancaires : l'art de rationaliser sans perdre du terrain - Les Echos","og_description":"Les banques fran\u00e7aises sont mises au d\u00e9fi de trouver le bon dosage entre leur parc d’agences et le \u00ab\u00a0tout \u00e0 distance\u00a0\u00bb. La banque en ligne suffit-elle \u00e0 fid\u00e9liser les clients\u00a0? En desserrant leur maillage territorial, les \u00e9tablissements ne risquent-ils pas de perdre trop de parts de march\u00e9\u00a0? (…) Avec leur toile tr\u00e8s dense (50\u00a0agences pour […]","og_url":"https:\/\/www.accuracy.com\/fr\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/","og_site_name":"Accuracy","article_published_time":"2025-05-30T11:21:14+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/10\/Accuracy.png","type":"image\/png"}],"author":"Ma\u00eblys Gomis","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Ma\u00eblys Gomis","Estimation du temps de lecture":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.accuracy.com\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/#article","isPartOf":{"@id":"https:\/\/www.accuracy.com\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/"},"author":{"name":"Ma\u00eblys Gomis","@id":"https:\/\/www.accuracy.com\/#\/schema\/person\/68ce67d9b9beccdb553af07dbe3a32fd"},"headline":"Agences bancaires : l’art de rationaliser sans perdre du terrain – Les Echos","datePublished":"2025-05-30T11:21:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.accuracy.com\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/"},"wordCount":263,"publisher":{"@id":"https:\/\/www.accuracy.com\/#organization"},"articleSection":["France","Press"],"inLanguage":"fr-CA"},{"@type":"WebPage","@id":"https:\/\/www.accuracy.com\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/","url":"https:\/\/www.accuracy.com\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/","name":"Agences bancaires : l'art de rationaliser sans perdre du terrain - Les Echos - Pr\u00e9cision","isPartOf":{"@id":"https:\/\/www.accuracy.com\/#website"},"datePublished":"2025-05-30T11:21:14+00:00","breadcrumb":{"@id":"https:\/\/www.accuracy.com\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/#breadcrumb"},"inLanguage":"fr-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.accuracy.com\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.accuracy.com\/agences-bancaires-lart-de-rationaliser-sans-perdre-du-terrain-les-echos\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.accuracy.com\/"},{"@type":"ListItem","position":2,"name":"Agences bancaires : l’art de rationaliser sans perdre du terrain – Les Echos"}]},{"@type":"WebSite","@id":"https:\/\/www.accuracy.com\/#website","url":"https:\/\/www.accuracy.com\/","name":"Accuracy","description":"Conseillers d'entreprise - Consultants financiers","publisher":{"@id":"https:\/\/www.accuracy.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.accuracy.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-CA"},{"@type":"Organization","@id":"https:\/\/www.accuracy.com\/#organization","name":"Accuracy","url":"https:\/\/www.accuracy.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/www.accuracy.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/08\/unnamed-3.jpg","contentUrl":"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/08\/unnamed-3.jpg","width":512,"height":512,"caption":"Accuracy"},"image":{"@id":"https:\/\/www.accuracy.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/accuracy\/?originalSubdomain=fr","https:\/\/www.instagram.com\/accuracycareers\/"]},{"@type":"Person","@id":"https:\/\/www.accuracy.com\/#\/schema\/person\/68ce67d9b9beccdb553af07dbe3a32fd","name":"Ma\u00eblys Gomis","image":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/secure.gravatar.com\/avatar\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g","caption":"Ma\u00eblys Gomis"}}]}},"_links":{"self":[{"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/posts\/53533","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/comments?post=53533"}],"version-history":[{"count":1,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/posts\/53533\/revisions"}],"predecessor-version":[{"id":53534,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/posts\/53533\/revisions\/53534"}],"wp:attachment":[{"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/media?parent=53533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/categories?post=53533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/tags?post=53533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}