{"id":1177,"date":"2012-11-13T11:03:13","date_gmt":"2012-11-13T10:03:13","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation"},"modified":"2013-04-29T16:54:56","modified_gmt":"2013-04-29T16:54:56","slug":"demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation","title":{"rendered":"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation"},"content":{"rendered":"\n

 <\/p>\n

Signer votre cr\u00e9dit \u00e0 la consommation sur une tablette ? C’est d\u00e9j\u00e0 possible et cela pourrait se g\u00e9n\u00e9raliser, si le succ\u00e8s est bien au rendez-vous pour D\u00e9mat’+, le premier outil de d\u00e9mat\u00e9rialisation d\u00e9di\u00e9 \u00e0 la souscription de cr\u00e9dits \u00e0 la consommation lanc\u00e9 par Franfinance, la filiale de la Soci\u00e9t\u00e9 g\u00e9n\u00e9rale sp\u00e9cialis\u00e9e dans le domaine.<\/p>\n

<\/span>En finir avec les dossiers papier de 40 pages<\/span><\/h2>\n

D\u00e9mat’+, d\u00e9velopp\u00e9 en partenariat avec Logica Business Consulting (cabinet de conseil) et arvato (prestataire de services, filiale de Bertelsmann) depuis juillet 2011, est d’abord un projet commercial pour Franfinance, avant d’\u00eatre une aventure technologique. \u00ab Un des \u00e9l\u00e9ments dans notre r\u00e9flexion a \u00e9t\u00e9 le passage de loi Lagarde<\/em> [en 2011, ndlr] qui a complexifi\u00e9 la vente du cr\u00e9dit sur le lieu d’achat. La loi a \u00e9t\u00e9 un coup d’arr\u00eat pour le cr\u00e9dit \u00e0 la consommation car les vendeurs en magasin doivent r\u00e9aliser deux ventes \u00e0 pr\u00e9sent, une pour le produit et une pour le cr\u00e9dit<\/em> \u00bb, explique G\u00e9rard Touati, directeur g\u00e9n\u00e9ral de Franfinance. De fait, avec la d\u00e9mat\u00e9rialisation, les dossiers papier devenus beaucoup plus \u00e9pais apr\u00e8s la loi Lagarde<\/a> disparaissent, ce qui repr\u00e9sente un gain de temps tr\u00e8s appr\u00e9ciable pour les \u00e9quipes de Franfinance qui suivent les dossiers et pour les prescripteurs qui proposent le cr\u00e9dit au client qui ach\u00e8te son produit.<\/p>\n

Cette \u00e9conomie de temps et de papier profite \u00e9galement au souscripteur, dont les d\u00e9marches sont simplifi\u00e9es puisque tout se passe \u00e0 l’\u00e9cran. Seule la signature d’une convention (papier) de preuve, par laquelle le client donne son accord pour signer \u00e9lectroniquement son dossier, est demand\u00e9e, \u00ab une pr\u00e9caution juridique n\u00e9cessaire<\/em> \u00bb. Ensuite, une seule signature \u00e9lectronique, valable pour le contrat de cr\u00e9dit dans son ensemble, est report\u00e9e sur tous les documents qui l’exigent. \u00ab Une grande majorit\u00e9 des clients se montre \u00e0 l’aise avec la signature \u00e9lectronique<\/em> \u00bb, note Laurent Corazza, associ\u00e9 en charge de l’offre Digital Operations chez Logica Buisiness Consulting. Les pi\u00e8ces justificatives n\u00e9cessaires \u00e0 l’\u00e9tablissement du dossier sont scann\u00e9es sur le point de vente et ajout\u00e9es au dossier num\u00e9rique.<\/p>\n

<\/span>Plus de 80% des souscripteurs acceptent le dossier d\u00e9mat\u00e9rialis\u00e9<\/span><\/h2>\n

En termes de retour client, une enqu\u00eate pr\u00e9cise sera men\u00e9e d\u00e9but 2013 mais Franfinance se targue d\u00e9j\u00e0 de taux d’acceptation de l’ordre de 80% et plus parmi la population \u00e9ligible \u00e0 D\u00e9mat’+. Pour \u00eatre \u00e9ligible, le souscripteur doit disposer d’une adresse mail, sur laquelle son identifiant pour acc\u00e9der \u00e0 l’espace client o\u00f9 se trouve les \u00e9l\u00e9ments du dossier est envoy\u00e9, ainsi que d’un t\u00e9l\u00e9phone portable, pour l’envoi du mot de passe. Ainsi, le contrat reste accessible en permanence pour le client, de m\u00eame que pour Franfinance et le prescripteur. Pour autant, d’apr\u00e8s les premiers retours, \u00ab moins de 15% des clients sont retourn\u00e9s voir le contrat sur l’espace client<\/em> \u00bb.<\/p>\n

Dans la forme, le contrat est pr\u00e9sent\u00e9 de mani\u00e8re diff\u00e9rente, pour \u00eatre plus lisible sur un \u00e9cran. Sur le fond en revanche, pas de changements puisque les obligations l\u00e9gales restent bien \u00e9videmment les m\u00eames. Ainsi, les conditions particuli\u00e8res du cr\u00e9dit souscrit sont affich\u00e9es clairement et \u00e0 valider par le client. De m\u00eame, les d\u00e9lais de conservation des documents restent inchang\u00e9s. \u00ab La d\u00e9mat\u00e9rialisation nous permet \u00e9galement d’avoir un meilleur niveau de conformit\u00e9 du dossier, avec un suivi du processus et une plus grande tra\u00e7abilit\u00e9. Et nous \u00e9vitons les soucis li\u00e9s \u00e0 l’impression rat\u00e9e des documents<\/em> \u00bb, d\u00e9veloppe G\u00e9rard Touati.<\/p>\n

D\u00e9mat’+ est d\u00e9j\u00e0 pr\u00e9sent dans pr\u00e8s de 1.000 points de vente physiques et les premiers succ\u00e8s rencontr\u00e9s (plus de 20.000 dossiers r\u00e9alis\u00e9s) permettent \u00e0 Franfinance d’esp\u00e9rer toucher plus de 2.500 points de vente d’ici la fin de l’ann\u00e9e 2013.<\/p>\n","protected":false},"excerpt":{"rendered":"

Franfinance, filiale de la Soci\u00e9t\u00e9 g\u00e9n\u00e9rale d\u00e9di\u00e9e au cr\u00e9dit \u00e0 la consommation, a d\u00e9velopp\u00e9 le premier outil de souscription de cr\u00e9dit enti\u00e8rement d\u00e9mat\u00e9rialis\u00e9. Cette technologie, pr\u00e9sente dans pr\u00e8s de mille points de vente, permet de simplifier et d’acc\u00e9l\u00e9rer la constitution des dossiers de cr\u00e9dit.<\/p>\n","protected":false},"author":13710,"featured_media":1176,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit"],"acf":[],"yoast_head":"\nD\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation<\/title>\n<meta name=\"description\" content=\"Franfinance, filiale de la Soci\u00e9t\u00e9 g\u00e9n\u00e9rale d\u00e9di\u00e9e au cr\u00e9dit \u00e0 la consommation, a d\u00e9velopp\u00e9 le premier outil de souscription de cr\u00e9dit enti\u00e8rement d\u00e9mat\u00e9rialis\u00e9. Cette technologie, pr\u00e9sente dans pr\u00e8s de mille points de vente, permet de simplifier et d'acc\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation\" \/>\n<meta property=\"og:description\" content=\"Franfinance, filiale de la Soci\u00e9t\u00e9 g\u00e9n\u00e9rale d\u00e9di\u00e9e au cr\u00e9dit \u00e0 la consommation, a d\u00e9velopp\u00e9 le premier outil de souscription de cr\u00e9dit enti\u00e8rement d\u00e9mat\u00e9rialis\u00e9. Cette technologie, pr\u00e9sente dans pr\u00e8s de mille points de vente, permet de simplifier et d'acc\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation\" \/>\n<meta property=\"og:site_name\" content=\"Argent\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-13T10:03:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2013-04-29T16:54:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"480\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Thibault Fingonnet\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:site\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Thibault Fingonnet\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation\"},\"author\":{\"name\":\"Thibault Fingonnet\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/person\/86ed62048219a3c310268cf8e534d65e\"},\"headline\":\"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation\",\"dateModified\":\"2013-04-29T16:54:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation\"},\"wordCount\":688,\"publisher\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg\",\"articleSection\":[\"Cr\u00e9dit\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation\",\"name\":\"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg\",\"dateModified\":\"2013-04-29T16:54:56+00:00\",\"description\":\"Franfinance, filiale de la Soci\u00e9t\u00e9 g\u00e9n\u00e9rale d\u00e9di\u00e9e au cr\u00e9dit \u00e0 la consommation, a d\u00e9velopp\u00e9 le premier outil de souscription de cr\u00e9dit enti\u00e8rement d\u00e9mat\u00e9rialis\u00e9. Cette technologie, pr\u00e9sente dans pr\u00e8s de mille points de vente, permet de simplifier et d'acc\",\"breadcrumb\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#primaryimage\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg\",\"contentUrl\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg\",\"width\":480,\"height\":360,\"caption\":\"Avec D\u00e9mat'+, Franfinance se positionne comme pr\u00e9curseur du cr\u00e9dit \u00e0 la consommation d\u00e9mat\u00e9rialis\u00e9 (Fotolia)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.toutsurmesfinances.com\/argent\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit\",\"item\":\"https:\/\/www.toutsurmesfinances.com\/argent\/c\/credit\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#website\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/argent\/\",\"name\":\"Argent\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.toutsurmesfinances.com\/argent\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#organization\",\"name\":\"Tout Sur Mes Finances\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/argent\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2021\/01\/favicon.png\",\"contentUrl\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2021\/01\/favicon.png\",\"width\":512,\"height\":512,\"caption\":\"Tout Sur Mes Finances\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/x.com\/Toutsur\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/person\/86ed62048219a3c310268cf8e534d65e\",\"name\":\"Thibault Fingonnet\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/07dc3aa2788dfbdc4f0f9bc0f6cd7593?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/07dc3aa2788dfbdc4f0f9bc0f6cd7593?s=96&d=mm&r=g\",\"caption\":\"Thibault Fingonnet\"},\"description\":\"Thibault Fingonnet est journaliste sp\u00e9cialis\u00e9 en finances personnelles et en immobilier. Il a collabor\u00e9 avec ToutSurMesFinances de 2012 \u00e0 2017, notamment en tant que responsable \u00e9ditorial du p\u00f4le immobilier.\",\"sameAs\":[\"https:\/\/www.toutsurmesfinances.com\/author\/thibaultfingonnet\",\"https:\/\/www.linkedin.com\/in\/thibault-fingonnet-1a25a431\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation","description":"Franfinance, filiale de la Soci\u00e9t\u00e9 g\u00e9n\u00e9rale d\u00e9di\u00e9e au cr\u00e9dit \u00e0 la consommation, a d\u00e9velopp\u00e9 le premier outil de souscription de cr\u00e9dit enti\u00e8rement d\u00e9mat\u00e9rialis\u00e9. Cette technologie, pr\u00e9sente dans pr\u00e8s de mille points de vente, permet de simplifier et d'acc","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation","og_locale":"fr_FR","og_type":"article","og_title":"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation","og_description":"Franfinance, filiale de la Soci\u00e9t\u00e9 g\u00e9n\u00e9rale d\u00e9di\u00e9e au cr\u00e9dit \u00e0 la consommation, a d\u00e9velopp\u00e9 le premier outil de souscription de cr\u00e9dit enti\u00e8rement d\u00e9mat\u00e9rialis\u00e9. Cette technologie, pr\u00e9sente dans pr\u00e8s de mille points de vente, permet de simplifier et d'acc","og_url":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation","og_site_name":"Argent","article_published_time":"2012-11-13T10:03:13+00:00","article_modified_time":"2013-04-29T16:54:56+00:00","og_image":[{"width":480,"height":360,"url":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg","type":"image\/jpeg"}],"author":"Thibault Fingonnet","twitter_card":"summary_large_image","twitter_creator":"@Toutsur","twitter_site":"@Toutsur","twitter_misc":{"\u00c9crit par":"Thibault Fingonnet","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#article","isPartOf":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation"},"author":{"name":"Thibault Fingonnet","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/person\/86ed62048219a3c310268cf8e534d65e"},"headline":"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation","dateModified":"2013-04-29T16:54:56+00:00","mainEntityOfPage":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation"},"wordCount":688,"publisher":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#organization"},"image":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#primaryimage"},"thumbnailUrl":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg","articleSection":["Cr\u00e9dit"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation","url":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation","name":"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation","isPartOf":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#primaryimage"},"image":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#primaryimage"},"thumbnailUrl":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg","dateModified":"2013-04-29T16:54:56+00:00","description":"Franfinance, filiale de la Soci\u00e9t\u00e9 g\u00e9n\u00e9rale d\u00e9di\u00e9e au cr\u00e9dit \u00e0 la consommation, a d\u00e9velopp\u00e9 le premier outil de souscription de cr\u00e9dit enti\u00e8rement d\u00e9mat\u00e9rialis\u00e9. Cette technologie, pr\u00e9sente dans pr\u00e8s de mille points de vente, permet de simplifier et d'acc","breadcrumb":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#primaryimage","url":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg","contentUrl":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2012\/11\/credit-consommation.jpg","width":480,"height":360,"caption":"Avec D\u00e9mat'+, Franfinance se positionne comme pr\u00e9curseur du cr\u00e9dit \u00e0 la consommation d\u00e9mat\u00e9rialis\u00e9 (Fotolia)"},{"@type":"BreadcrumbList","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/demat-premier-service-dematerialise-dedie-au-credit-a-la-consommation#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.toutsurmesfinances.com\/argent\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit","item":"https:\/\/www.toutsurmesfinances.com\/argent\/c\/credit"},{"@type":"ListItem","position":3,"name":"D\u00e9mat\u2019+, premier service d\u00e9mat\u00e9rialis\u00e9 d\u00e9di\u00e9 au cr\u00e9dit \u00e0 la consommation"}]},{"@type":"WebSite","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#website","url":"https:\/\/www.toutsurmesfinances.com\/argent\/","name":"Argent","description":"","publisher":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.toutsurmesfinances.com\/argent\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#organization","name":"Tout Sur Mes Finances","url":"https:\/\/www.toutsurmesfinances.com\/argent\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/logo\/image\/","url":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2021\/01\/favicon.png","contentUrl":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2021\/01\/favicon.png","width":512,"height":512,"caption":"Tout Sur Mes Finances"},"image":{"@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/Toutsur"]},{"@type":"Person","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/person\/86ed62048219a3c310268cf8e534d65e","name":"Thibault Fingonnet","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/07dc3aa2788dfbdc4f0f9bc0f6cd7593?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/07dc3aa2788dfbdc4f0f9bc0f6cd7593?s=96&d=mm&r=g","caption":"Thibault Fingonnet"},"description":"Thibault Fingonnet est journaliste sp\u00e9cialis\u00e9 en finances personnelles et en immobilier. Il a collabor\u00e9 avec ToutSurMesFinances de 2012 \u00e0 2017, notamment en tant que responsable \u00e9ditorial du p\u00f4le immobilier.","sameAs":["https:\/\/www.toutsurmesfinances.com\/author\/thibaultfingonnet","https:\/\/www.linkedin.com\/in\/thibault-fingonnet-1a25a431\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/posts\/1177","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/users\/13710"}],"replies":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/comments?post=1177"}],"version-history":[{"count":0,"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/posts\/1177\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/media\/1176"}],"wp:attachment":[{"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/media?parent=1177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/categories?post=1177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/argent\/wp-json\/wp\/v2\/tags?post=1177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}