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100	1	0	_aLe Bret, Hugues _eauthor
245	0	0	_aThe ‘Compte-Nickel’ Account: An Account without a Bank
260			_c2016.
500			_a93
520			_aThe 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		_nLe journal de l'école de Paris du management | o 122 | 6 | 2016-11-21 | p. 24-30 | 1253-2711
856	4	1	_uhttps://shs.cairn.info/journal-de-l-ecole-de-paris-du-management-2016-6-page-24?lang=en&redirect-ssocas=7080
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