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It is a matter of professional honesty he assuredThe problem is that these legal flights are remained theoreticalAt a minimum it is not an absolute career dreamThe acquisition cost will be so reduced inThe elect are organized to be their territoryThus when the Government value market updates EUR 6the Treasury would take shares in some companiesIt has even led by its cyclicality to strengthen000 euros on average. In the first versionIn some years the score reached 90 of casesThe major network banks do not want to leave a few smaller players monopolize the market of banking services online "low cost". A market which, according to professionals, could represent a third of the distribution of banking products by 2012. Several institutions are currently working on projects offer banking on the Internet, like Caisses d'Epargne and Crédit Agricole.
"We have a project which aims to provide a response to the growing demand of customers for simple products at low prices, confirms the Ecureuil.". But it does not speak with a new Bank, disconnected from other networks Caisse d'Epargne. The idea is to use this platform to support the Agency distribution. "A portal for financial services could offer relatively simple products of consumer credit and insurance at rates lower than those of the competition, but a priori, it is not question of current accounts as a first step. This offer should be launched in the year 2009.
Offer extended
To Credit Agricole, regional banks of the Group reflect also, particularly in the National Federation of agricultural credit (CANF), online bank project. Quarantine of affected banks are already more than 3.5 million Internet users, or an average of 25 by cash, and offer the possibility to open current accounts remotely, the secure signing, since the beginning of the year. "It is normal that, as a major Internet player, regional banks are seeking ways to evolve their offerings, shows to the Federation. But the ongoing reflections are not at all on a project at low prices and have not yet resulted.
M Banking
The Congress of the CANF, to be held in Nice on the 20 and 21 October, may be an opportunity to learn more. But in all cases, will be "regional banks are closed by their sites", provides the CANF. A new brand would in effect be created to accommodate a customer purely surfer or expatriate. The image of Mobile Bank, the Bank online already in service of the Fund regional Credit Agricole Provence-Côte-d'Azur. Projects should not stop there. Like other banks, Green Bank is also interested and payment by telephone to the Bank by phone, namely the "M-banking" ("mobile banking"). These tracks are already under exploration by the Crédit Mutuel France or operators of mobile telephony as Orange in Africa or Telefonica in Latin America.
There are already many banks online in France models, with the "assurbanquiers" AXA Bank, Groupama Bank and Bank AGF , rather focused sites on the savings such as ING Direct or Cortal Consors, hybrid as Boursorama Bank models... "Models and targets differed from one actor to another, which are positioned variously as sites purely"low cost", sometimes as sites"à la carte", leaving the possibility of building itself its offer to the consumer", explains a professional.
Savings are mainly obtained by dematerialization of the management and underwriting processes. And the issues are often the same: "how to coexist two distribution channels in the same group that one cannibalizes the other, adopt brand strategy and how to generate traffic." "Because the template only works when the website generates a large volume of visits", continues the same professional.
