The growing number of online and mobile banking users has led to the establishment of a new bank model: digital banks. Digital banks are financial technology firms offering various services still found in traditional banks, just online and accessible via a digital device. As part of this new banking structure, neo-banks are imposing their model in France and attracting more and more attention. In 2019, Boursorama Bank was the leading French neo-bank by number of users and Nickel led by number of customers.
Users report that digital banking services are quite useful regarding bank operations such as viewing general account information, sending payments and blocking a bank card in the event of theft or loss. The efficiency of mobile and online banking when it comes to these types of common banking operations contributes to make digital banking services an integral part of French people's everyday lives.
Digital banking is also offering an easier and less official way of communicating with banks such as online messaging services. This type of service, allowing remote access which could only be achieved before by going to the bank, accessibility and affordability are most appreciated by French customers.