Key points of the Crédit Mutuel Group _ A group fully integrated Crédit Mutuel Arkéa is developing Max, an innovative services ecosystem platform. In Brest, it has launched a center of excellence project into the fi ntech dedicated to developing and supporting fi ntech businesses, Innovation means knowing how All Crédit Mutuel’s regional groups fi gure prominently in thefi ntech ecosystem. alongsiStation F’s ‘Tech for Good’ acceleration program launchedin January 2019 for social entrepreneurs.de its partners in the region; it is a partner of to bring together the best talent Crédit Mutuel Alliance Fédéralecognitive technology on a wide scale togroup to introduceis the fi rst French bankingCrédit Mutuel MCrédit Mutuel Océaine-Anjou, Basse-Normandie andan have contributed more than €6 million to _ assist its advisors. It also offers an innovative mobile payment HelloAsso, a fi nancing platform for not-for-profi t organizations solution with Lyf Pay. that operates based on an original business model. A partnership Through its subsidiary La Française, Crédit Mutuel Nord based on shared values: local proximity, participation and human Europe develops innovative real-estate fi nancing solutions. involvement. THE INNOVATION COMMUNITY: THE ART OF FINDING NEW SOURCES DANCING CHEEK TO CHEEK OF INSPIRATION WITH TECHNOLOGY Interview with Bachir GuemouriInnovation Factory Thanks to digital technology, day by day the Crédit Mutuel group enhances the customer relationship and experience based on a simple principle: use technology Why did the group decide to create this community? to serve people. This approach strengthens the customer advisor’s key role, at the B.G.: It all started in March 2017 when the General Management decided heart of a multi-channel organization. to perform a situation analysis with regard to innovation at all the group By making the most of the new possibilities offered by artifi cial intelligence, the group entities. In July 2017, the “Innovons ensemble” approach was approved improves the quality and relevance of its responses, as in the case of email analyzers with the aim of sharing best practices with regard to innovation, (recognition of customer intentions, analysis and reply proposals) that currently communicating on entities’ existing innovation projects and pooling resources so as to make more effi cient progress on innovative projects. process more than 350,000 customer emails per day. Crédit Mutuel has also stepped up the development of cognitive solutions in new How does this enhance dialog for the men and women fi elds and in all its bankinsurance businesses. working for the group? B.G.: Everybody has the potential to be an innovator. They can enter their When ideas or contributions via tools put at their disposal by the Innovation music offi cers at their entity. The IT teams are involved in the process upstream so as to failitate industrialization of the innovation when decided by thec sounds Steering Committee. 20thedition of the Why has innovation always been at the center of the strategy NRJ Music Awards: THE “CREDIT PASSPORT” PROCEDURE of Euro-Information, the group’s IT backbone? with a TV audience of nearly Security:a card with a constantly IS NOW 100% DIGITAL B.G.: Technology has always been a lever for development within the 5 million on TF1 and thanks changing cryptogram Customers can now activate loan simulations online, group, even before the present acceleration in digital technology and its to activation on the ground Bank card fraud is declining for the fi rst time since 2014 but it is increase their credit limit and manage it independently unleashing in all parts of society. Innovation is often linked to technology of the RIFFX by Crédit Mutuel most frequent online (25 times more frequent than in-store). using their smartphone or PC. They will now fi nd a new and Euro-Information has always therefore quite naturally endeavored music platform, it was an A new card is now being marketed to strengthen security on “request in progress” space in their online banking interface. to be among the fi rst in the fi eld of bankinsurance to offer innovative unforgettable evening online purchases. The three-digit security cryptogram on the back In this space they can view their consumer credit simulations services and products to our customers and members. for music fans. of the card has been replaced by a mini screen that automatically and credit taken out and monitor the progress of any ongoing (Source: Résonance - Summer 2018) displays a new code every hour. The code therefore rapidly non-life insurance claims. becomes obsolete and can no longer be put to fraudulent use. 22 23