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Institutions financières --- Banques --- Droit --- Comptabilité

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Banques culturelles --- Patrimoine culturel --- Développement communautaire. --- Protection.

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Banks and banking, Colonial --- Banques coloniales

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For many years the banking sector deals with a lot of evolutions to which it must adapt. Not only to satisfy the needs of its customers but also in order to face the competition. Since the early 2000s, the arrival of internet boosted the changes and the technological evolutions are always increasing.
These evolutions had major consequences on the trade generally and the banking sector did not escape it. A lot of agencies closed, the number of employees in this sector is decreasing as well as the number of operations performed in bank agencies. Added to it a dissatisfaction and the worry on the part of some clients as a result of the crisis of 2008, it was a golden opportunity for numerous start-ups, called "fintechs" to enter the market. The purpose of this thesis will be to be interested in the future of traditional banks.
We divided the work into two parts: one theoretical analysis and one statistical analysis.
The first one has two chapters concerning the evolution of e-Banking and mobile banking and in their situation in Belgium. The next chapter is dedicated to the bank BBVA which implemented enormous on ways to meet the challenge of the digitalization. Finally, the fourth chapter is a literature review which is approaching various subjects allowing us to define hypothesis our research question.
The statistical analysis is dedicated to analyze the answers we collect from our survey. Thanks to this analysis we will accept or reject the hypothesis we defined.

Secteur bancaire --- Banques --- Avenir des banques --- Internet banking --- e-Banking --- Sciences économiques & de gestion > Domaines particuliers de l'économie (santé, travail, transport...)

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This thesis is an attempt to gather all the factors that are taken into account in the decision-making procedure of Belgium banks in granting credit to small and medium businesses. These factors are presented into several groups of characteristics, namely the characteristics of the company, the characteristics of the relationship between the bank and the company, the characteristics related to the demand of credit itself and the characteristics of the contractual terms. This study reveals their importance and their decisive nature through interviews to relationship managers and credit analysts. The results indicate the repayment ability as the most important factor. They also specify that a credit approval is always based on a set of factors whereas a credit refusal can be based on one factor. These factors which can lead to a credit refusal are: the repayment ability, the track record of the client, the purpose of the credit or the information provided by the company. The results also suggest that the importance of every factor can vary from one demand of credit to another.

Crédit --- décision --- critères --- PME --- banques belges --- Sciences économiques & de gestion > Finance