Credit Agricole is a powerful French bank in the world. Its actual organisation and structure is based on the development of Local and National Banks. This particular development is the base of the success of the brand. The group is well developed and well established on the international market, more over in the field of personal accounting. This structure has made the brand successful on the market, but it has also developed disadvantage in the proximity to its customers. The problem is due to a lack on the computer system to centralize all data. Actually, the computer system of each bank is separate and there is no link between all the banks and branches of the group. So the result is for example, Customers of the Credit Agricole Centre Est don't have any access to their account in other regions of France, and around the world. They can only consult their account in the region where they are registered. That is why the company wants to develop a new system on its cash dispenser to merge all computer system in each branch, and to offer this providing service.
[...] This weakness is really because the professional market represents a high potential of customers, in terms of turn over .On this specific target Credit Agricole couldn't actually compete with worldwide bank as HSBS. In clear, Credit Agricole loses potential customers on this specific market and limits its opportunities to growth. - Hard competition: Credit Agricole is face to hard competition on the banking market. Gaining market shares is becoming difficult because consumers are attached to their bank and to its services. New customers are mainly young people that don't' have any account. [...]
[...] Preliminary procedures before to start the project To create and launch this system, the company has to prepare the ground before to start the project. Indeed, all managers and employees of the company must be integrated in the project to be the most successful as possible, and create a real implication of each one. The company can also try to have an external opinion with using of consultants for example, to have different ideas on the way to realize and create value for the new concept. [...]
[...] Marketing implementation Product The system must centralize all data of each agency in each cash dispenser. The informatics development is the most relevant element to organize the link between all specific systems of each agency. A computer that centralized the information must be develop in each cash dispenser to provide the consulting account all around the world. This concept could be based on the using of the department number of customers origin, to consult its account. For example, a customer of the region Rhone, that mean with the number 69 (number of the department), could consult its account thanks to this number. [...]
[...] Credit Agricole can develop a pricing contribution only for consulting in other countries. For examples if a French customer goes to Germany, it could be summit to pay a little amount to benefit of its services euro or 2 euro by month). This debit should be realise directly on its account by an automatically debit, in order to not be a concrete charge for the customer. But to consult in the country of origin, this operation must be free, because users are not going to pay for this service. [...]
[...] - Direct account consulting: The actual system of consulting bank account isn't very well developed. Actually, the customers can't consult there account where they want in cash dispenser. This consulting system is only available on the local or regional department where the customer is registered. It's really a huge threat because consumers can't have any information easily where they travel. The only means are today have access to a web connexion or waiting to the personal bank details directly at home. [...]
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