A la différence près qu’il ne s’agit plus d’une communication fictive, mais bien de l’évolution bancaire de Revolut, le champion toutes catégories de la fintech.

A en croire la hausse de ses marges et tarifs, le temps des idéaux semble bien révolu.

Evidemment, cela n’a strictement rien à voir avec la pandémie …

Du site finews.com, Revolut: A Normal Bank – Unfortunately

Revolut has announced the introduction of fees for free account users. This will anger customers and is a perfect example of how to botch an opportunity.

«We’ve been talking with thousands of you about how we can help you get even more from your money,» was the introductory statement. The remainder of the letter was devoted to how Revolut was going to make more money from serving its clients.

So to introduce fees for a service that has been advertised as free of charge, is more than just a little ironic. It smacks more of how you’d expect a normal bank to behave and not a fintech. At least if you held a similar view of banks as the founder of Revolut, who had launched his company precisely because of such actions.

It is also poignant at what point of time the company has chosen to announce the changes. Revolut, which has been typically bullish about its performance, seems to have been forced to raise the fees because of a drop in revenues during the pandemic lockdown.

Cet indicateur compilé par la société ‘The Disruption House’ estime le nombre de start-ups fondées depuis les années 2000:

Au-delà de la méthodologie retenue, l’article s’intéresse aux probables motifs de ce déclin, au rang desquels, naturellement, l’appétit de l’industrie bancaire pour des solutions innovantes. L’article cite notamment les démarches de Royal Bank of Scotland (Bó) ou Deutsche Bank (Yunar).

L’occasion de faire un beau clin d’oeil – merci J. Kelly! – à l’ingéniosité du ‘marketing guy’ et son art du branding :

“If you wondered what on earth “Bó” means, it apparently is Danish for “to live well”. Of course, it makes sense for the Royal Bank of Scotland to use a Danish word because, well, never mind. Deutsche Bank, similarly, last year launched a digital banking app called “Yunar”, which means “desire” in, um, Celtic. Fintech: it’s all substance.”

Sans oublier son irrésistible ascension au sein de l’entreprise.

Ne manque plus que l’emballage environnemental, social et de gouvernance pour compléter cette image décidément bien prévisible.

C’est promis: rien que de la substance …