As digital banks gain popularity, traditional French banks are adapting their services to retain customers by offering fully online banking options. For instance, CIC, a subsidiary of Crédit mutuel Alliance fédérale, has rolled out a promotional offer to attract new clients who open an entirely online account. This initiative marks a significant shift for traditional banks, which are beginning to provide features that allow for remote consultation and lower fees, mirroring the services provided by their digital counterparts.

The promotional strategy includes the allure of six months of waived fees for new account holders, a tactic typically seen with digital banks aimed at drawing in new customers. This transition reflects a broader trend in the banking sector where conventional banks are recognizing the need to modernize their service offerings to remain competitive in an increasingly digital marketplace. The CIC's introduction of a 'digital agency' aims to enhance customer autonomy and simplify banking processes while providing a level of support previously found only in physical branches.

Furthermore, the increasing acceptance of fully online banking is not just a passing trend; it signifies a fundamental shift in consumer behavior towards financial services. Customers are becoming more accustomed to managing their finances digitally, and traditional institutions must evolve to meet these expectations or risk losing market share to more agile and tech-savvy competitors.