Faced with the new expectations of the French in terms of savings and the savings stock accumulated recently, what can the public authorities do to better mobilize all this savings in the service of a more useful and more responsible investment?

Covid, containment, restrictions, for more than 18 months the French have been accumulating cash like never before! Their savings rate has reached unmatched records since 1975. However, the major part of this cumulative savings (more than 140 billion additional euros in 2020) sleeps in current accounts or regulated passbooks. Paradox? Would the French not be seasoned to properly manage and grow their savings? Are the products offered to them too complex? Does the savings offer still meet the expectations of the French?

Servers, data centers, cloud, SaaS are at the center of the strategy of all financial and fintech institutions today - Cyber ​​security is at the heart of the main problems these companies face, but it also represents huge opportunities for new technology companies. What are the new trends, the latest innovations, how will the cloud model impact the financial sector?

Unregulated credit is currently one of the most highly valued sectors in fintech, as it combines credit spreads with the explosive growth of payments and e-commerce… However, regulators want to regulate these products as soon as possible “ Buy Now Pay Later", sometimes accused of contributing to over-indebtedness. In the United Kingdom, deputies want to attack "Klarnage"; in Brussels, the commission published its proposal for the revision of the consumer credit directive by regulating, for example, small credits. BNPL: the end of the state of grace?

Instant, mobile, split, rewarded, blockchain. Payment has seen 100 innovations in recent years which were to make the card disappear each time and yet it is more than ever at the center of the game.

Brokers, agents, mutuals without intermediaries, bancassurers, insurtech: societal and technological developments are increasingly disrupting distribution models. Tomorrow: which drivers of customer relations?

Pooling is the “raison d'être” of insurance. Advances in AI allow an individualization of risk analysis and therefore pricing. Therefore, will technology call into question the historical basis of insurance? What are the implications for policyholders and for insurers?

Faced with the complexity of the challenges of our time, how can bio-inspiration improve our lives and our organizations?

France, a country with little robotics, is catching up. Will this acceleration take place via a partial or total eviction of humans? What could be the role of hybridization? What new professions is this major trend creating? What will be the share of soft skills, emotional and relational intelligence?

The entrepreneur new hero of the media and the younger generations. Sometimes over-publicized, and treated like gurus, they can be affected by hubris, even though their business has not yet reached cruising speed. Interests and risks of too strong an embodiment of the model? Sustainability and collegial management, phasing of the development of the start-up? : What feedback?

#FFT21: [Talents & Management Plenary] Creating your fintech: is there a recipe?

Crossed views - Creating your fintech: is there a recipe? More than 700 fintech in France, +20% in 2021. The analysis shows almost as many launch methods as entrepreneurs: solo, duo, trio, alone or accompanied, technological or commercial priority, etc. What major families of fix? False good ideas?