Post on 16-Dec-2014
description
Consumer Credit in
France, an ever changing world
Nicolas Bertapelle © Jasmin
#1Consumer credit,a tougher world
… Revolving nearly dead …
#1 Consumer credit, a tougher world
Stakeholders’ special need for juicy dividends
Risky customers, high profitability
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 retail subsidiaries dedicated to cc, immediate need for a new model
#1 Consumer credit, a tougher world
… Immediate need for a new model …
Revolving monoliners, cash cows of Distribution Groups with profitability difficulties in their retail businesses
1.0003.0006.00075.000
… New limits, new markets, newcomers …
#1 Consumer credit, a tougher world
… Sovereign debt and public support …
#1 Consumer credit, a tougher world
… Liquidity remains critical for many households…
#1 Consumer credit, a tougher world
… from Revolving to Bank Overdrafts …
#1 Consumer credit, a tougher world
… Companies, Distribution and Shareholders …
#1 Consumer credit, a tougher world
#2 A world of
opportunities
… 65 years lowest rates helping the market …
#2 A world of opportunities
… Distribution as the main battle ground …
#2 A world of opportunities
… and marketing has to create new paradigms …
Utilities
Finance
Mobile
Reta
il#2 A world of opportunities
#2 A world of opportunities
… Time for new approaches …
Prime
Marke
t
LuxuryBasic
#2 A world of opportunities
… to better understand consumer motives …
20102015
+Consumer friendly
- Difficulty
+Facility+1to1
+Accessibility
trends
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