This famous technological frontier new go westThe Côte d'Azur and IledeFrance are first lineIt is a well any problem today of Lufthansa stockAnd the principles it counts in politicsFinally it is at the head of two small structuresIn the main the bottle weighs his weightA failure to convince Bouteflika is trying to seduceStrategic shiftBut the redemption of Sun 13Folded the pullout stands have a tray of 3Why not but it is really not the purpose of the debateThey now offer discounts to the pump or the supermarket, they pay the subscription to the stage, they reward the longevity of couples, they store files as the USB keys. And tomorrow, perhaps, they will open the doors of your car or metro. Call them long bank cards When investing horizons beyond the financial framework, one may well wonder.
In France, the "cobranding", or co-branding, was allowed just a year ago. The banks now have the right to join international banking worldwide partners to issue payment cards. The traditional blue and gold colours way thus gradually to a place to more modern visuals, gold reflections ainsi or place progressivement the la skin of crocodile, in the colours of the Olympique de Marseille or the AS Saint-Etienne, and no doubt tomorrow with the photo of your children or your dog. In France, some 700,000 cards would now co-branded, 54 million in circulation. The transition may seem slow, but it is clearly in motion. And new initiatives that appear for a few months suggest the potential of this new market.
Debit and credit
Crédit Agricole including attempts to move the lines by launching, to great fanfare, a card doing both debit and credit, with reserve of money. It is the client who decides what mode it uses the purchase. Innovations are also non-banking actors such as manufacturers and distributors. Total offers a Visa card, payments and conventional withdrawals, offering its holders discounts of 3 to 9 on their fuel purchases. Intermarche sells his Musketeers card, which is loyalty card in the signs of the group, accompanied by a permanent credit reserve. "With competition between institutions and emulation created by the arrival of new players, card issuers will try to further segment their customers by providing still more for content", said Roland Entz, the Director General for the France of Visa Europe.
Segmenting by income is no longer the panacea. Maps are now trying to paste to the lifestyle of their carrier. It is the mode of "affinity" cards, booming in the world. On target, for example, defenders of the environment: Bank of America customers can reinvest points made for each payment on ecological projects or equipment reducing energy consumption. Football fans: those of Manchester City access to the stage with their credit card (no contact), which also serves subscription card. Owners: American municipalities issue their own cards co-branded by proposing a small rebate on their property tax to their carriers. Women: a Bank of Singapore even went up to target women in business with the Lady's solidarity Word MasterCard. But also bridge players, families, the musicians... ()
Added value
"All programs"cobranding"are not the success, however insists Emmanuel Petit, the CEO of MasterCard France. To make this work, it must be successful targeting marketing, design adapted card and brings added value. "Some ideas may seem a bit ludicrous. The image of the World Series of Poker Visa Card, which funds all poker tournaments starting place! "Customers want a promise that takes the road, must be truly provide"more", complete Thierry Dinard, Associate Director of the cabinet Altenor." At the time of the financial crisis expectations appear to be rather on concrete, real, and the practice, even if it does prohibit things classic and simplissimes.
