Between the Gafa and the banks, nothing is played. Big Tech cabinets are filled with stillborn projects. Google has just defied predictions by shelving its Plex initiative, a mobile bank account whose outlines the group presented only last November.

The Gafam (Google, Apple, Facebook, Amazon and Microsoft) are trying without issue to dispute financial services with traditional banks. Between ignition delays and departure of the manager responsible for transforming the Google Pay payment system into a full-fledged bank, the American giant prefers at this stage to remain a service provider for the financial industry. Facebook, which wanted to create its own cryptocurrency with Libra, had to quickly backpedal in front of the volley of shields from the States. Amazon has not launched, as it had announced, a current account.