Fintech or the new digital forms of transactions !!!

Mobipiar helps you better understand fintech

Consulting CAF ( Christian Fleurisson ) January 21, 2019
    New themes are appearing in the business world with the exponential expansion of new forms of information and technology: have you ever heard of crowdfunding (don), crowdlending (loan), crowdlending equity (shareholding), neobank, online payment, and wealth management ?Mobipiar has decided to give you some interesting indications on this new model of the planet finance, which revolutionizes all the traditional habits of business in all the continents.
  • What is FINTECH?It is simply all the companies (mostly start-ups) that intervene in the financial and banking fields through new technologies. Nowadays, a lot of Online offers are linked to online payment, partial or even total financing of companies, loans, savings management, and some new forms of equity financing ... The theme often used is the fintech to talk about companies that intervene in finance-related activities.
  • The advantage of FINTECH for consumers is easy access to some services that were once hard to reach, a better offer that uses the wonders of online computing, and above all advantageous costs that are no longer dictated by the often monopolistic presence of the old world of finance, banking and insurance.
  • Are FINTECH not a threat to traditional banks?
  • A financial and banking system that wants to last in a national or international economic model, must know how to adapt to changes in consumption, monetary savings, but especially technology.
  • Even if the fintech reinvent the balance of power between supply and demand, they still depend on traditional banks. It should be noted that this virtual economic model can only find its credibility if it is based on existing supports that guarantee the security, viability, and reliability of a financial mode of operation that must comply with many rules.
  • Indeed, the FinTechs are subject to very restrictive specific regulations (norms and standards) that aim to protect the consumer in a very delicate market. To do this, many national and community standards require fintech to partner with traditional structures in the financial, banking and insurance sectors for greater security.
  • To better follow the movement of fintech, traditional banks must include the development of ATMs, the development of customer services agencies which must include the relevant use of new technologies, because physical contact is very important to solve some problems that can not find no solutions with IT: negotiate a bank loan, settle a problem of refund, or check the identity of the owner of an account ...
  • Why are fintech not developed in developing countries?
  • It is a mistake to believe that fintech is not developed in southern countries, however many forms of fintech are not exploited in an environment that offers many opportunities.
  • The example of African countries is very edifying, because there are more mobile phones than bank accounts. This situation is a boon to mobile phone companies that have been able to develop money transfer via the phone using mobile-to-mobile payment. Even if mobile payment on e-commerce sites and mobile payments at a kiosk or payment terminal are not yet developed in developing countries, financial integration is highlighting opportunities that could be used the fintech to develop in Africa for example.
  • It is still necessary that the regulation of central banks promote the implementation of fintech, not to mention the access to the internet which is mandatory to take advantage of all these new forms of transactions.
  • Mobipiar fits easily into this approach of the new world, by bringing together all the players in the company with its BtoC and BtoB offers, to allow everyone to send refills in the form of credit or internet data, to facilitate access to fintech offers all over the world.
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