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Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
Consumer credit in france, an ever changing world
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Consumer credit in france, an ever changing world

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  • 1. Consumer Credit in France, an everchanging world
    Nicolas Bertapelle © Jasmin
  • 2. #1
    Consumer credit,
    a tougherworld
  • 3. #1 Consumer credit, a tougherworld
    … Revolving nearlydead …
  • 4. #1 Consumer credit, a tougherworld
    Revolving monoliners, cash cows of Distribution Groups with profitability difficulties in their retail businesses
    Stakeholders’ special need for juicy dividends
    Riskycustomers, highprofitability
    Monoliners, best profitability of CC sector, then downturn and new rules, threat of death, need for external financing
    End of the game and no more retailsubsidiariesdedicated to cc, immediateneed for a new model
    … Immediateneed for a new model …
  • 5. #1 Consumer credit, a tougherworld
    1.000
    3.000
    6.000
    75.000
    … New limits, new markets, newcomers…
  • 6. #1 Consumer credit, a tougherworld
    … Sovereigndebt and public support …
  • 7. #1 Consumer credit, a tougherworld
    … Liquidityremainscritical for manyhouseholds…
  • 8. #1 Consumer credit, a tougherworld
    … from Revolving to Bank Overdrafts …
  • 9. #1 Consumer credit, a tougherworld
    … Companies, Distribution and Shareholders …
  • 10. #2
    A world of opportunities
  • 11. #2 A world of opportunities
    … 65 yearslowestrates helping the market …
  • 12. #2 A world of opportunities
    … Distribution as the main battleground …
  • 13. … and marketing has to create new paradigms …
    Technology
    Technology
    Finance
    Utilities
    Retail
    Mobile
    Technology
    Technology
    #2 A world of opportunities
  • 14. … Time for new approaches…
    #2 A world of opportunities
  • 15. #2 A world of opportunities
    Prime
    Market
    Luxury
    Basic
    … to betterunderstand consumer motives …
  • 16. +Consumer friendly
    2010
    2015
    +Facility
    +1to1
    trends
    +Accessibility
    - Difficulty
    © Jasmin http://jasmin-veille.blogspot.com

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