My Proxima is based on a technical architecture that far exceeds the simple account aggregator. The integration of DSP2 APIs with several French retail banks (Crédit Agricole, Banque Postale, BNP Paribas) marks a turning point in how judicial representatives for the protection of adults (MJPM) manage the financial flows of their wards.
DSP2 Bank Aggregation and Gradual Abandonment of OFX/QIF Files
The shift to bank aggregation via API, generalized to the client portfolio in 2024, changes the very nature of daily accounting work. Where importing OFX or QIF files required manual handling (logging into online banking, downloading, uploading to the software, validation), the DSP2 connection synchronizes balances and transactions in almost real-time.
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This difference is not cosmetic. On a portfolio of several dozen protection measures, eliminating the file circuit removes a frequent source of errors: duplicate imports, missing periods, value date discrepancies. The rules for automatic accounting allocation still apply, but they now operate on a continuous flow rather than on occasional batches.
For professionals wishing to download My Proxima on Seniors Magazine, the DSP2 pairing procedure is carried out directly from the interface, without external technical intervention.
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We recommend keeping the OFX/QIF import as a fallback solution for banking institutions not yet covered by API connectors. The coexistence of both modes remains possible on the platform.
DORA Compliance and Digital Resilience of My Proxima
The European DORA Regulation (Digital Operational Resilience Act) imposes specific obligations on financial service providers regarding service continuity and digital risk management. Since the end of 2023, the publisher Tutelle Au Quotidien has been gradually aligning My Proxima with these requirements.
In practical terms, this translates into the implementation of digital resilience audits and service continuity tests, communicated in November 2024. For an MJPM, this compliance is not a marketing argument: it conditions the trust of partner banking institutions that open their DSP2 APIs.
A DORA non-compliant software risks losing its banking connectors as banks tighten their selection criteria for third-party providers. This is a point that mainstream articles on account management overlook, but it directly impacts the tool’s sustainability on a daily basis.
What DORA Changes for Users
- The data from protection files benefit from a documented backup and restoration policy, periodically tested by the publisher
- Security incidents affecting bank synchronization must be reported within defined timeframes, improving transparency for professionals
- The platform incorporates failover mechanisms in case of a banking access provider outage, preventing total accounting interruption
Report Templates Adapted to the Law of February 21, 2022
Law No. 2022-219 of February 21, 2022, fully applicable since 2023, strengthens the place of the autonomy of the protected person in the legal framework. My Proxima has updated its report and exchange templates to reflect this legislative evolution.
In practice, the generated documents include the new mandatory mentions regarding the consultation of the protected adult and the valuation of their decision-making capacity. For a representative producing several dozen annual reports to the guardianship judge, this native compliance avoids tedious rewriting work.
Interface and Integrated Document Management
The electronic document management (EDM) embedded in Proxima since 2012 remains a structuring element. It allows for the direct association of accounting justifications with entries, correspondence with files, and legal reports with the corresponding protection measures.
We observe that this integration significantly reduces the preparation time for management controls. The judge or clerk accesses a complete, structured file, whereas other tools require manual assembly of accounting documents and administrative papers.
Data Security and Multi-File Management for MJPMs
A professional representative simultaneously manages dozens, sometimes hundreds, of measures. The issue of the security of personal and financial data goes beyond the classic GDPR framework here: the information handled concerns vulnerable individuals under legal protection.
My Proxima applies strict compartmentalization of files. Each measure has its own access perimeter, with differentiated permission levels according to user profiles (primary representative, collaborator, substitute).
- Recurring tasks (renewals, report deadlines, balance alerts) are configurable by file, preventing oversights on large portfolios
- The complete history of modifications remains accessible, creating an auditable trail in case of inspection
- Data storage in a secure cloud environment, coupled with DORA requirements, ensures a level of protection consistent with the sensitivity of the information processed
The digital platform My Proxima is not just a banking tracking tool. It constitutes a complete working environment for professionals in the protection of adults, articulating automated accounting, regulatory compliance, and document management. The transition to DSP2 APIs and alignment with DORA places this tool on a trajectory where technical reliability directly conditions the quality of support for protected individuals.