The digital revolution supported by the dynamics of invasion of Gafa (the acronym bringing together the companies Google, Apple, Facebook and Amazon) should worry the banking services market. What will the economy be like in 30 years? What will become of the banks in front of the Gafa who are constantly innovating? The Apple boss unveiled, two years ago, his first bank card, recognizable by its titanium design, Apple Card. For its part, Google has entered into a partnership with the Citigroup bank to offer bank accounts, while Facebook is unifying its system for transferring money between Messenger and Instagram users, and Amazon is working on technology that will allow to pay with the palm of the hand in its supermarkets.

So many innovations that are added to all payment services as well as by the Chinese giants Baidu, Alibaba and Tencent (WeChat). Initiatives that have the same objective: to get a foothold in banking services, identified both as a link in the value chain that must be seized and as a lever to interfere even more deeply in the lives of users. . Meanwhile, banks are losing ground. The statistics show a drop in users on the banking market while the crowds on the Gafa side continue to increase.