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Kuniye

Cr\u00e9dits : 123RF<\/figcaption><\/figure>\n

Imaginez qu'il vous prend soudain l'envie d'effectuer un achat qui n\u00e9cessite un virement<\/strong>. D'un de vos comptes \u00e0 un autre, ou bien du compte de quelqu'un d'autre. Mieux vaut ne pas tra\u00eener : l'offre que vous avez devant les yeux n'est valable qu'aujourd'hui. Sauf qu'on est samedi soir. Autrement dit, l'argent n'arrivera pas avant lundi au plus tard puisque le d\u00e9lai est calcul\u00e9 en jours ouvr\u00e9s. Une situation frustrante qui peut \u00eatre \u00e9vit\u00e9e gr\u00e2ce aux virements instantan\u00e9s, fonctionnant 24h\/24, 7j\/7 en une dizaine de secondes. Probl\u00e8me : quand ils sont disponibles, ils sont souvent payants<\/strong>.<\/p>\n

C'est en grande partie ce qui explique leur faible adoption chez nous. Bien qu'en forte hausse, les virements instantan\u00e9s ne repr\u00e9sentent que 6% du nombre total de virements \u00e9mis <\/strong>dans le pays au 1er semestre 2023, selon les chiffres de la Banque de France. En 2022, l'Union europ\u00e9enne veut rem\u00e9dier au probl\u00e8me en imposant \u00e0 toutes les banques de les proposer, et surtout gratuitement<\/a>. Il faut attendre f\u00e9vrier dernier pour que l'UE adopte la proposition<\/a>. Ne manquait plus que le calendrier pr\u00e9cis qui vient d'\u00eatre d\u00e9voil\u00e9.<\/p>\n