In an interview with L’Express, Benot Grisoni, the boss of BoursoBank, announces his intention to better support high-net-worth clients, those whose assets exceed 100,000 euros.
With its maxi catalog and its mini prices, BoursoBank poses itself as an increasingly credible alternative to traditional banks. The figures seem to confirm it: half of its 6 million customers have made it their main bank, the one they use on a daily basis and to which they direct all or part of their income.
However, there is a counterpart: autonomy. BoursoBank’s model, which allows it to display rates among the lowest on the market, is based, in particular, on a small number of advisors, in proportion to the number of clients. Clear, talking to a human is not easy at BoursoBank.
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Priority wealth clients?
The problem arises especially for clients with a wealth profile, those who have a lot of money to invest and who need to be supported in their choices. These are still largely the preserve of traditional banks, which take great care of them. However, they interest BoursoBank.
In an interview agreement The ExpressBenot Grisoni, the general director of the online bank, announces that it is considering better supporting high-net-worth customers, who have 100,000 to 500,000 euros in assets: This can involve products adapted to these profiles, but also through services, with A facilitated access to an advisor, For example. Our desire is to better meet the expectations of this clientele, which interests us, without distorting our model.
Enjoy the sharp drop in rates to realize your project!
Real estate credit is slowly recovering
Like many banks, BoursoBank distributed much fewer real estate loans in 2022 and 2023, against a backdrop of rising rates. This is expected to change in 2024, but not dramatically. We remain (…) selective, explains Benot Grisoni. Credit has never been a winning tool for us, and today we only offer it to our existing customers. We also favor the most mature profiles in the bank. Our credit production has been picking up very gradually since last fall. OUR trajectory is quite ambitiousbut the market dynamics are not very positive currently.
LEP, real estate loan, Paylib, fraud: BoursoBank’s projects