To start this program, our journalist Laetitia Lienhard went to meet Alain Clot, president of France Fintech to come back to the key figures of the ecosystem in France, its problems and its challenges. Then, she was able to talk to Guillaume Djourabtchi, marketing director of Natixis Payments, a subsidiary specializing in payment solutions for the BPCE group. An opportunity to discuss the very competitive market for payment solutions and understand why traditional banks are trying at all costs to stay in the race. And we will finish the program with Didier Brouat, Coo de Monext, the Arkéa mutual credit subsidiary which has the mission of offering banks, fintechs and merchants various payment path offers. In a sector that has a strong tendency to consolidate, the personalization of customer needs seems to be the major lever to stand out. The company, which has chosen to keep an agile approach to the market, tells us about its choices and its areas of development.