Consumer Credit in France, an everchanging world<br />Nicolas Bertapelle © Jasmin<br />
#1<br />Consumer credit,<br />a tougherworld<br />
#1 Consumer credit, a tougherworld<br />… Revolving nearlydead …<br />
#1 Consumer credit, a tougherworld<br />Revolving monoliners, cash cows of Distribution Groups with profitability difficul...
#1 Consumer credit, a tougherworld<br />1.000<br />3.000<br />6.000<br />75.000<br />… New limits, new markets, newcomers…...
#1 Consumer credit, a tougherworld<br />… Sovereigndebt and public support …<br />
#1 Consumer credit, a tougherworld<br />… Liquidityremainscritical for manyhouseholds…<br />
#1 Consumer credit, a tougherworld<br />… from Revolving to Bank Overdrafts …<br />
#1 Consumer credit, a tougherworld<br />… Companies, Distribution and Shareholders …<br />
#2 <br />A world of opportunities<br />
#2 A world of opportunities<br />… 65 yearslowestrates helping the market …<br />
#2 A world of opportunities<br />… Distribution as the main battleground …<br />
… and marketing has to create new paradigms …<br />Technology<br />Technology<br />Finance<br />Utilities<br />Retail<br /...
… Time for new approaches…<br />#2 A world of opportunities<br />
#2 A world of opportunities<br />Prime<br />Market<br />Luxury<br />Basic<br />… to betterunderstand consumer motives …<br />
+Consumer friendly<br />2010<br />2015<br />+Facility<br />+1to1<br />trends<br />+Accessibility<br />- Difficulty<br />© ...
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Consumer credit in france, an ever changing world

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Consumer credit in france, an ever changing world

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

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