TY  - BOOK
AU  - Le Bret,Hugues
TI  - The ‘Compte-Nickel’ Account: An Account without a Bank
PY  - 2016///.
							
N1  - 93
N2  - 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
UR  - https://shs.cairn.info/journal-de-l-ecole-de-paris-du-management-2016-6-page-24?lang=en&redirect-ssocas=7080
ER  -