The ‘Compte-Nickel’ Account: An Account without a Bank (notice n° 507194)
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| 000 -LEADER | |
|---|---|
| fixed length control field | 01630cam a2200157 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250121085358.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Le Bret, Hugues |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | The ‘Compte-Nickel’ Account: An Account without a Bank |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2016.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 93 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | The Compte-Nickel payment account is a simple idea. It is accessible to everyone and an account can be opened at a newsagent’s in just ten minutes. It comes with a bank card with which one can withdraw money, make transfers‚ and purchase items in France and abroad. Overdrafts are impossible: this drawback is an advantage for the two million people who have bank suspensions, or for the 40 % of French people who have exceeded their credit facility. The success of this enterprise depended on three major creations: the creation of a computer system which manages the accounts in real time (which no bank was able to do); approval from the financial authorities (the application brochure had 4,800 pages); and the existence of an efficient sales distribution network (which was possible thanks to an exclusive partnership with newsagents). The Compte-Nickel programme got off to a very good and rapid start with 230,000 account holders at the beginning of 2016, and 500,000 forecast by the end of 2016. This talk highlights a digital innovation which was a response to a social need. |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Le journal de l'école de Paris du management | o 122 | 6 | 2016-11-21 | p. 24-30 | 1253-2711 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/journal-de-l-ecole-de-paris-du-management-2016-6-page-24?lang=en&redirect-ssocas=7080">https://shs.cairn.info/journal-de-l-ecole-de-paris-du-management-2016-6-page-24?lang=en&redirect-ssocas=7080</a> |
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