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HEC-Ecole de gestion de l'Université de Liège
HEC-Ecole de gestion de l'Université de Liège
MASTER THESIS
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Du compte courant en ligne à la plateforme automatisée d'investissement

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Michel, Julien ULiège
Promotor(s) : Bodson, Laurent ULiège
Date of defense : 3-Sep-2019/10-Sep-2019 • Permalink : http://hdl.handle.net/2268.2/7712
Details
Title : Du compte courant en ligne à la plateforme automatisée d'investissement
Author : Michel, Julien ULiège
Date of defense  : 3-Sep-2019/10-Sep-2019
Advisor(s) : Bodson, Laurent ULiège
Committee's member(s) : Gillain, Cédric ULiège
MINON, Gaël 
Language : French
Keywords : [fr] Online Payment – Robo-advisor – Fintech – Automation – License – Partnership – Innovation – Bank – Wealth Management – Sleeping Money
Discipline(s) : Business & economic sciences > Finance
Institution(s) : Université de Liège, Liège, Belgique
Degree: Master en sciences de gestion, à finalité spécialisée en Banking and Asset Management
Faculty: Master thesis of the HEC-Ecole de gestion de l'Université de Liège

Abstract

[en] Nowadays, technology and innovation are more and more present in our daily lives. With the increasing use of mobiles and e-commerce, we are experiencing a new digital revolution. The sector of the economy that is most affected by this advance is the financial sector, which has seen an unprecedented increase in the number of Fintechs during the past few years.
It has never been easier to make banking or financial operations or transactions online and even directly on our smartphones. Whether it is making payments over the internet through payment services providers (PSP), or investing money through tools such as robo-advisors, these online platforms are now considered to be more efficient, faster and less costly than humans.
Therefore, the following questions arise : Since they offer different but complementary services, why can’t we link these platforms to improve their respective businesses and make life easier for the customers ? How to invest in the financial markets through a robo-advisor the sleeping money of individuals, PSP users ? How do Paypal, the online payment pioneer, and Acorns, a well-known American robo-advisor, do business together ?
To answer these questions, the study, based on a series of interviews with professionals from the sector in Luxembourg, focuses on the European classification of PSP into three types of licenses (payment institutions, electronic money institutions, credit institutions or bank). Considering the two first separated from the third in terms of strategy and by taking into account the conditions for obtaining the different licenses as set out in the law, it proposes various partnership insights for each of them, in accordance with the needs of any robo- advisor.


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Author

  • Michel, Julien ULiège Université de Liège > Master sc. gest., à fin.

Promotor(s)

Committee's member(s)

  • Gillain, Cédric ULiège Université de Liège - ULiège > HEC Liège : UER > Systèmes d'information de gestion
    ORBi View his publications on ORBi
  • MINON, Gaël
  • Total number of views 56
  • Total number of downloads 11










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