Isn't it more fun buying clothes with friends ? Charlotte Russe enables you to do social shopping by sharing your e-shopping with friends (via facebook twitter or myspace) from different locations. Like in real life, as your friends accompany you and see the products, they can give you advice and comments helping you choose on line like teens (and let say matures) often do off line in stores.
Have a look at http://www.charlotterusse.com and click on share item or shoptogether (bottom of the screen).
more information on http://www.dmnews.com/Social-shopping-is-poised-for-growth/article/147162/
source: colloquy
lundi 31 août 2009
how a retailer can use social tools
For those who wonder what facebook and others community tools can change in the customer relationship management. CRM is changing deeply and loyalty program providers will have to evolve.
Have a look at Charlotte Russe community on facebook, myspace and youtube. And how twitter is used.
http://www.facebook.com/CharlotteRusse
http://twitter.com/CharlotteRusse
http://www.youtube.com/CharlotteRusse
http://www.myspace.com/CharlotteRusse
Have a look at Charlotte Russe community on facebook, myspace and youtube. And how twitter is used.
http://www.facebook.com/CharlotteRusse
http://twitter.com/CharlotteRusse
http://www.youtube.com/CharlotteRusse
http://www.myspace.com/CharlotteRusse
mardi 25 août 2009
innovation et tenacité
L'inventeur du célèbre WD-40 est décédé cet été. Le WD-40 est une huile nettoyante, lubrifiante qui protège contre l'humidité (ex: les circuits électriques) et la corrosion. WD-40 veut dire Water displacement, 40ème essai. Comme quoi les coups de génie.....
Facebook: un système de paiement de plus ?
En avril une étude parlait de 19 applications de paiement utilisées par les "facebook" (soit 16 !!! systèmes en plus des 3 grands: google, amazon, paypal) avec une augmentation de 35% des flux sur le premier trimestre. Légitimement facebook doit vouloir ne pas vouloir voir passer les fees sous son nez. D'ailleurs la rumeur court sur le net, d'une solution de paiement "privative" en béta test.
Il ne sera pas (plus) de social network ou simplement de portefeuille de clients (consommateurs, membres etc...) qui ne permette des paiement P2P inter-membres.
Les systèmes de paiement existants (cartes bancaires et privatives) vont tous permettre le P2P. Certains outils dédiés vont tenter d'apparaitre (contre les big 3 d'amazon, google et paypal qui dominent le P2P) et les grands réseaux sociaux créeront leur portemonnaie.
Tous les social networks vont se poser la même question. Système "propriétaire" ou solution externe ? Dans tous les cas la question de la masse critique sera clé. Quand on annonce 250 millions de membres (passons sur la réalité du chiffre) on est dans le sérieux.
Mais à moyen terme on ne pourra pas durablerment conserver autant de systèmes non interopérables et je pense qu'il y aura une sélection naturelle.
A long terme la question de l'universalisation (ou de l'interopérabilité) se posera comme il s'est posé sur les cartes bancaires.
Il ne sera pas (plus) de social network ou simplement de portefeuille de clients (consommateurs, membres etc...) qui ne permette des paiement P2P inter-membres.
Les systèmes de paiement existants (cartes bancaires et privatives) vont tous permettre le P2P. Certains outils dédiés vont tenter d'apparaitre (contre les big 3 d'amazon, google et paypal qui dominent le P2P) et les grands réseaux sociaux créeront leur portemonnaie.
Tous les social networks vont se poser la même question. Système "propriétaire" ou solution externe ? Dans tous les cas la question de la masse critique sera clé. Quand on annonce 250 millions de membres (passons sur la réalité du chiffre) on est dans le sérieux.
Mais à moyen terme on ne pourra pas durablerment conserver autant de systèmes non interopérables et je pense qu'il y aura une sélection naturelle.
A long terme la question de l'universalisation (ou de l'interopérabilité) se posera comme il s'est posé sur les cartes bancaires.
lundi 24 août 2009
H1N1: un accélérateur du e-commerce ?
La pandémie attendue, va sans doute avoir des conséquences pour le commerce, en confortant les internautes dans leur comportement et en poussant de nouveaux consommateurs à tenter le coup pour économiser une sortie et ainsi limiter les occasions de contacts: une augmentation de l'activité pour les sites marchands en général, mais aussi les sites de gestion (ex: banques en ligne), les courses alimentaires sur internet avec livraison et les systèmes à la Auchan drive (je commande sur internet et je passe prendre les courses avec ma voiture sans entrer dans un magasin).
La gripppe va t'elle booster le 2.0 en entreprise ?
La crise avait amené les entreprises à s'interroger sur leurs frais de déplacements, à nous inviter à remplacer les voyages par des visios. Mais que je sache peu de discours sur les mérites des outils collaboratifs.
La pandémie qui menace va t'elle accélérer la mise en place de ces outils dans les entreprises ?
Dans un article de juillet Jane McConnell nous invite à un diagnostic à nos outils de communication et de travail à distance: Intranet Check-list for the Flu Pandemic : http://netjmc.typepad.com/globally_local/2009/07/intranet-checklist-for-the-flu-pandemic.html. Cet article, repéré grace à B Duperrin: http://www.duperrin.com/, est un bon pense-bête utile à transmettre aux DRH.
A quand une prescription de 2.0 remboursée par la sécu ? Plus sérieusement, les efforts faits pour favoriser le travail à distance ne pourraient ils pas bénéficier d'avantages fiscaux puisqu'ils sont à la fois bon pour la planète et bon pour la santé ?
La pandémie qui menace va t'elle accélérer la mise en place de ces outils dans les entreprises ?
Dans un article de juillet Jane McConnell nous invite à un diagnostic à nos outils de communication et de travail à distance: Intranet Check-list for the Flu Pandemic : http://netjmc.typepad.com/globally_local/2009/07/intranet-checklist-for-the-flu-pandemic.html. Cet article, repéré grace à B Duperrin: http://www.duperrin.com/, est un bon pense-bête utile à transmettre aux DRH.
A quand une prescription de 2.0 remboursée par la sécu ? Plus sérieusement, les efforts faits pour favoriser le travail à distance ne pourraient ils pas bénéficier d'avantages fiscaux puisqu'ils sont à la fois bon pour la planète et bon pour la santé ?
jeudi 20 août 2009
Study shows link between financial, medical problems
Une étude américaine qui vient de paraitre met en avant le lien très fort entre problêmes financiers et problêmes de santé. Que ces pathologies soient la conséquence directe des aspects financiers (ex dépression) ou indirect via des restrictions alimentaires voire médicales, Ou à l'inverse qu'un problême médical entraine des conséquences financières.
Peut-on traiter les aspects financiers sans intégrer cette notion médicale ? L'auteur va même jusqu'à préconiser que les médecins devraient être directement impliqués en leur demandant face à un patient de s'interroger sur sa santé financière.
By Stacey Burling INQUIRER STAFF WRITER
Financial and medical woes tend to travel together, a relationship that a former University of Pennsylvania researcher believes deserves more attention from both physicians and credit counselors.
Craig E. Pollack, an internal-medicine doctor who studied research techniques at Penn as a Robert Wood Johnson Foundation Clinical Scholar, last year surveyed 250 Philadelphia-area homeowners facing foreclosure who sought help from Consumer Credit Counseling Service of the Delaware Valley Inc.
He found extremely high levels of major depression: 37 percent compared with the 12 percent typically found in poor populations. Plus, nearly 60 percent of the distressed homeowners said they had skipped or delayed meals because they could not afford food, and almost half said they had failed to fill a prescription in the last year because they did not have enough money. Since the foreclosure, they also said, they had started smoking and drinking more.
Nine percent said a medical problem in the family was the primary reason for the foreclosure. ... Foreclosure rates are now at historic highs, he added. "We're in the middle of the crisis, and we've barely begun to address the health ramifications of it."
Pollack, who recently began working at Rand Corp., said people in foreclosure were dealing with the end of their dream of homeownership, and all that implies in this society. They are also facing concrete, day-to-day dilemmas that are stressful.
"I think the high rate of people skipping their doctors' appointments and people skipping their medications is incredibly important," he said. "What you worry about is people are making really hard decisions here. They're making really hard trade-offs. As a physician, I worry that these are going to hurt people's health."
He said he thought doctors should ask patients about their financial worries and be prepared to steer them to mortgage counselors, if necessary. And mortgage counselors should know where public-health clinics are located and have information on hand about programs such as food stamps and Medicaid.
Recognizing that both doctors and financial experts already feel "pinched for time," Pollack said there should be incentives to change their behavior, but he had no specific ideas about what those should be.
Anthony Orman, vice president for client programs at Consumer Credit Counseling Service, said clients rarely talked about their medical problems. The study, he said, was a way to "prove what we kind of knew in our gut."
...
"Our counselors are financial counselors," he said. "They're not medical counselors."
The agency is considering hiring a social worker to meet medical-counseling needs. The big question is how it would pay for that.
http://www.philly.com/philly/business/homepage/20090818_Study_shows_link_between_financial__medical_problems.html
Peut-on traiter les aspects financiers sans intégrer cette notion médicale ? L'auteur va même jusqu'à préconiser que les médecins devraient être directement impliqués en leur demandant face à un patient de s'interroger sur sa santé financière.
By Stacey Burling INQUIRER STAFF WRITER
Financial and medical woes tend to travel together, a relationship that a former University of Pennsylvania researcher believes deserves more attention from both physicians and credit counselors.
Craig E. Pollack, an internal-medicine doctor who studied research techniques at Penn as a Robert Wood Johnson Foundation Clinical Scholar, last year surveyed 250 Philadelphia-area homeowners facing foreclosure who sought help from Consumer Credit Counseling Service of the Delaware Valley Inc.
He found extremely high levels of major depression: 37 percent compared with the 12 percent typically found in poor populations. Plus, nearly 60 percent of the distressed homeowners said they had skipped or delayed meals because they could not afford food, and almost half said they had failed to fill a prescription in the last year because they did not have enough money. Since the foreclosure, they also said, they had started smoking and drinking more.
Nine percent said a medical problem in the family was the primary reason for the foreclosure. ... Foreclosure rates are now at historic highs, he added. "We're in the middle of the crisis, and we've barely begun to address the health ramifications of it."
Pollack, who recently began working at Rand Corp., said people in foreclosure were dealing with the end of their dream of homeownership, and all that implies in this society. They are also facing concrete, day-to-day dilemmas that are stressful.
"I think the high rate of people skipping their doctors' appointments and people skipping their medications is incredibly important," he said. "What you worry about is people are making really hard decisions here. They're making really hard trade-offs. As a physician, I worry that these are going to hurt people's health."
He said he thought doctors should ask patients about their financial worries and be prepared to steer them to mortgage counselors, if necessary. And mortgage counselors should know where public-health clinics are located and have information on hand about programs such as food stamps and Medicaid.
Recognizing that both doctors and financial experts already feel "pinched for time," Pollack said there should be incentives to change their behavior, but he had no specific ideas about what those should be.
Anthony Orman, vice president for client programs at Consumer Credit Counseling Service, said clients rarely talked about their medical problems. The study, he said, was a way to "prove what we kind of knew in our gut."
...
"Our counselors are financial counselors," he said. "They're not medical counselors."
The agency is considering hiring a social worker to meet medical-counseling needs. The big question is how it would pay for that.
http://www.philly.com/philly/business/homepage/20090818_Study_shows_link_between_financial__medical_problems.html
mercredi 19 août 2009
travel now, pay later with your mobile phone
Telefónica O2 joins Deutsche Bahn’s NFC ticketing project
Badger avec son téléphone (NFC) pour prendre le train pour valider son ticket ou son "pass", n'est pas vraiment une idée nouvelle. Par contre il me semble que c'est la première fois que je vois ce principe ou il n'y a pas de pré-achat mais ou l'on badge en entrant puis en sortant et ça calcule le cout du transport (facturé en fin de mois).
http://www.nearfieldcommunicationsworld.com/2009/08/19/31527/telefonica-o2-joins-deutsche-bahns-nfc-ticketing-project/
The mobile operator has joined Vodafone and T-Mobile in the German rail company's Touch&Travel NFC ticketing project, as it heads towards a major expansion of the pilot testing area and a future nationwide commercial launch. ON TARGET: Travellers hold their NFC phones to Touchpoints like this before and after every journey Telefónica O2 Germany has joined Vodafone and T-Mobile in participating in German rail operator Deutsche Bahn's Touch&Travel NFC ticketing project, as the rail company prepares for the next phase of testing in which the pilot area will expand to include long distance train services from Hannover to Frankfurt.
Developed in conjunction with technology partners Atron, Giesecke & Devrient and NXP, the Touch&Travel concept is a very simple one: Passengers touch their NFC phone to a Touch&Travel Touchpoint at the start of their journey and then touch their phone again to a Touchpoint at the end of their journey. The fare is then automatically calculated and charged to their Deutsche Bahn account, which is settled on a monthly basis via direct debit.
Badger avec son téléphone (NFC) pour prendre le train pour valider son ticket ou son "pass", n'est pas vraiment une idée nouvelle. Par contre il me semble que c'est la première fois que je vois ce principe ou il n'y a pas de pré-achat mais ou l'on badge en entrant puis en sortant et ça calcule le cout du transport (facturé en fin de mois).
http://www.nearfieldcommunicationsworld.com/2009/08/19/31527/telefonica-o2-joins-deutsche-bahns-nfc-ticketing-project/
The mobile operator has joined Vodafone and T-Mobile in the German rail company's Touch&Travel NFC ticketing project, as it heads towards a major expansion of the pilot testing area and a future nationwide commercial launch. ON TARGET: Travellers hold their NFC phones to Touchpoints like this before and after every journey Telefónica O2 Germany has joined Vodafone and T-Mobile in participating in German rail operator Deutsche Bahn's Touch&Travel NFC ticketing project, as the rail company prepares for the next phase of testing in which the pilot area will expand to include long distance train services from Hannover to Frankfurt.
Developed in conjunction with technology partners Atron, Giesecke & Devrient and NXP, the Touch&Travel concept is a very simple one: Passengers touch their NFC phone to a Touch&Travel Touchpoint at the start of their journey and then touch their phone again to a Touchpoint at the end of their journey. The fare is then automatically calculated and charged to their Deutsche Bahn account, which is settled on a monthly basis via direct debit.
et vous qu'avez vous fait de cette crise ?
Flash-back: Il y a un an (déja ?), aout 2008, un an apres le début (été 2007) de la crise des subprimes aux US, un article américain, cherchait à montrer en quoi la crise allait (pouvait) changer (assainir) les comportements de consommation des américains.
Avec cette conclusion en forme de point d'interrogation: Allons nous en apprendre quelque chose et prendre un nouveau départ ("a new hope") ou comme allons nous rejouer la même histoire.
"We're at a critical moment," ... "In two or three years, we might say, 'We had a moment where the banks were broke, credit cards didn't have much credit left, when Americans were beginning to rethink consumerism, when we really could have turned the page,' " .... "Or we might be saying, 'We talked ourselves back into the old fixes,'" such as rebate checks and even telling Americans directly to go out and spend, as President Bush did after 9/11. With baby boomers' habits well ingrained, it may instead be generation X and generation Y who decide to embrace a simpler, less wasteful lifestyle, rebelling against the conspicuous consumption that their parents helped make the American way of life
L'article intégral est un peu long mais je crois qu'il vaut la peine:
The End of Credit Card Consumerism. A new frugality could remake the U.S. economy—and American life
By Kimberly Palmer Posted August 8, 2008
When it comes to longevity, few royals can top America's King Consumer. For more than four decades, our shopaholic nation has shown an insatiable desire to spend until our credit cards melt. And throughout this era, consumer spending has, well, consumed a greater and greater share of our total economy. Only twice since 1965, despite half a dozen recessions, have Americans spent less in a year than the previous one.
Indeed, it often seems that we have defined ourselves by our ability to buy supersized everything, from McMansions to tricked-out SUVs to 60-inch flat-screen televisions—all enabled by decades of cheap credit. On the surface, it may seem that there's nothing wrong with all that conspicuous consumption, especially for the biggest, most productive economy on the planet. After all, our undying love of stuff has helped fuel a global economic boom.
Yet today, America finds itself at a once-or-twice-a-century economic tipping point. A sharp slowdown, record-high gas prices, high consumer debt levels, a plunging real estate market, and the growing green movement all seem to be conspiring to dethrone King Consumer and transform the economy and the American way of life for years to come.
"The process of bringing our wants and our needs into realignment," says Merrill Lynch economist David Rosenberg, "is going to involve years of savings and frugality." Or, to put more it more simply, "there is an anti-bling thing going on," says Marian Salzman, chief marketing officer of Porter Novelli.
Party's over. Many consumers, of course, don't have much choice but to scale back. Total credit card debt has increased by over 50 percent since 2000. The average American with a credit file is responsible for $16,635 in debt, excluding mortgages, according to Experian, and the personal savings rate has hovered close to zero for the past several years. High gas and food prices are causing real incomes to fall.
Even worse, rising inflation will probably cause the Federal Reserve to start jacking up interest rates once the credit crisis on Wall Street has passed, tightening credit even further. "We're shedding jobs, it's much harder to borrow, and what used to be capital gains are now capital losses," says Scott Hoyt, senior director of consumer economics at Moody's Economy.com. "There's no source of funding for spending." Because many of us won't be able to as easily use our homes as ATMs, Hoyt expects to see an upward trend in saving and slower growth in consumer spending, compared with the binge of the past decade. It was our appetite for housing, after all, that served as the catalyst for the multidecade consumer boom.
Consider this: Consumer spending has risen to just over 70 percent of the U.S. economy from a bit more than 60 percent in 1965. The pace really picked up in the 1970s, when the first baby boomers started buying and furnishing their own homes. But now, Rosenberg says, the median boomer is in his early 50s and looking to unload his fleet of leased SUVs. To some degree, then, demographics are destiny.
Longer term, an aging population will need to spend less and save more for retirement. As that process plays out, consumer spending may become less important in the big economic picture. Moody's Economy.com forecasts that the combination of demographic and financial factors will cause just such a seismic economic shift. Reversing a four-decade ascent, consumer spending could actually start falling as a percentage of U.S. gross domestic product, slipping to 68 percent over the next seven years. Shopped out.
And this new frugality might actually be OK with many of us. Consumers were "so glutted on everything that they had acquired and all the time that was robbed from them...that they almost saw this [downturn] as a great opportunity to stop," says Faith Popcorn, chief executive of her eponymous consultancy. In a recent survey, she found that 90 percent of respondents said they were considering options for "the simpler life," and 84 percent said they were inclined to buy "less stuff."
Another survey found that people rank being in control of their finances and living a green lifestyle higher as signs of success than having money or a luxury car, and view having a paid-off mortgage as more of a status symbol than having a beautiful home. "We have to convince ourselves that the lifestyle we can afford right now is a desirable one," says Holly Heline Jarrell, a global director at the communications firm Manning Selvage & Lee, which sponsored the survey
Examples of the mind-set shift abound. Large-vehicle sales declined 5.5 percent during the first six months of 2008, while compact-car sales rose 33 percent, according to J. D. Power & Associates. Piaggio, the company that makes Vespas, reports that scooter sales in June were up 146 percent over a year earlier. Even daily lattes have been cut; in July, Starbucks announced that it was closing 600 stores in response to reduced consumer traffic. The NPD Group has found that the number of meals made at home has been steadily rising since 2001. "We're coming back to the home," says Harry Balzer, vice president of the firm.
For some people, the downscaling has more to do with a changing definition of cool than with budgeting. The summer blockbuster WALL-E depicts a future world where spending and waste have spiraled so out of control that the Earth becomes a giant landfill. Magazines play up how celebrity moms like Victoria Beckham, aka Posh Spice, and Heidi Klum shop at Target for their kids. A simplification industry has spawned an annual Buy Nothing Day, books and blogs about not purchasing anything for a year, and Real Simple magazine. One recent post on the Consumerist, an irreverent website dedicated to standing up to corporations, contemplated the Geo Metro's transformation from "weak to chic." Consumerist's senior editor, Meg Marco, who used to drive the unstylish but fuel-efficient vehicle herself, says, "When gas is over $4 per gallon, I don't think anyone is any less 'cool' simply because they're seen driving a compact car.
" Young consumers in their 20s may be most affected by the shift to simplicity. In focus group research for her upcoming book on generation Y, consumer psychologist Kit Yarrow has found growing interest in secondhand stores. Young shoppers tell her that it's a "way to get new stuff without creating stuff," she says. And becauseconsumers often learn their lifetime shopping habits during their developmental years, Mandy Putnam, vice president at TNS RetailForward, says that members of generation Y may be permanently shaped by today's lessons in austerity, much as their great-grandparents were by the Great Depression.
There's also an environmental component, says personal finance guru David Bach. "I just sat at the kitchen table with my 5-year-old son talking about 'reduce, reuse, recycle'—I couldn't have told you that at 5," Bach says. He recently wrote Go Green, Live Rich, which focuses on how helping the Earth can coincide with smart financial choices, such as avoiding bottled water and starting a vegetable garden. Russell Simon, a 26-year-old communications manager for Carbonfund.org, a non-profit, embodies that way of thinking. He furnished his Washington, D.C., apartment with used furniture found on Craigslist, uses a canvas bag to bring home groceries, and gave up his '99 Subaru Impreza Wagon. He fills his time with activities, like swing dance lessons, that don't involve buying things. While he's glad his anticonsumption ways have a positive effect on the environment,
Simon's motivations are more self-serving. "It's about uncluttering my mind, uncluttering my space, and allowing me to focus on things that matter," he says.Cindee Mazzanti, a self-employed 57-year-old living in upstate New York, started downsizing in 2001, when the end of the dot-com bubble made her realize the importance of living within one's means. She sold her home and used the equity to pay off her debts and purchase a smaller home without a mortgage. She also traded in her Ford Freestyle SUV for a more thrifty Ford Focus to lower her own fuel costs and help reduce America's demand for foreign oil. Her monthly living expenses shrank from $5,600 to $1,200. Without debt, she says, she feels free
Refills. Retailers are doing what they can to woo these new, economy-minded consumers. In April, Starbucks began offering new rewards on its stored-value cards, including free refills on hot and iced brewed coffee and complimentary syrup and soy milk. "This was an opportunity...to show Starbucks can be a part of people's lives even when budgets are tight," Brad Stevens, vice president of Starbucks's customer relationship management, says. But what happens when budgets aren't so tight? Plenty of hardheaded economists say we'll go right back to our prodigal ways. Alan Blinder, economics professor at Princeton University and former Federal Reserve vice chairman, thinks that optimism and the drive to spend are hard-wired parts of America's cultural DNA. Blinder expects that even baby boomers will continue the spending spree that has defined most of their lives, buying medical care and golf vacations instead of new cars and larger homes.
Economist David Malpass argues that Americans aren't nearly as bad off as the low personal savings rate suggests because that calculation ignores the buildup of net worth. (If you bought a share of XYZ Corp. in January at $100, for instance, and its value doubled by December, the savings rate measure would still value that investment at $100.) Malpass points out that the average household has $573,379 in assets, including the value of retirement plans and the cash value of life insurance, and only $117,951 in liabilities. Even if Americans do curtail their spendthrift habits, the result would probably be a healthier and more balanced American economy.
Next year, the federal budget deficit is projected to reach almost $500 billion for the first time. America couldn't afford such a fiscal shortfall if foreign investors, such as the Chinese, didn't buy our debt—U.S. treasury bonds. If as a nation we bought a bit less and saved a bit more, economists say, the result would be stronger long-term economic growth. And depending on the kindness of strangers to perpetually finance your lavish spending sure seems risky. If the foreign appetite for U.S. dollar assets abated, says T. Rowe Price chief economist Alan Levenson, the dollar would probably weaken further, reducing Americans' standard of living.
Besides, there is more to the economy than just the consumer. The economic boom of the 1990s was led by business investment, especially in technology, aiding a boost in productivity that continues today. While businesses are holding back on investment because of recession fears, they are likely to beef it up after that threat passes, says Robert Brusca, chief economist at Fact and Opinion Economics.
And Uncle Sam may have a role to play as well by investing taxpayers' dollars to upgrade our national infrastructure and advance alternative energy technologies. "We're at a critical moment," says Benjamin Barber, author of Consumed. "In two or three years, we might say, 'We had a moment where the banks were broke, credit cards didn't have much credit left, when Americans were beginning to rethink consumerism, when we really could have turned the page,' " Barber says. "Or we might be saying, 'We talked ourselves back into the old fixes,'" such as rebate checks and even telling Americans directly to go out and spend, as President Bush did after 9/11.
With baby boomers' habits well ingrained, it may instead be generation X and generation Y who decide to embrace a simpler, less wasteful lifestyle, rebelling against the conspicuous consumption that their parents helped make the American way of life
source: http://www.usnews.com/articles/business/economy/2008/08/08/the-end-of-credit-card-consumerism.html
Avec cette conclusion en forme de point d'interrogation: Allons nous en apprendre quelque chose et prendre un nouveau départ ("a new hope") ou comme allons nous rejouer la même histoire.
"We're at a critical moment," ... "In two or three years, we might say, 'We had a moment where the banks were broke, credit cards didn't have much credit left, when Americans were beginning to rethink consumerism, when we really could have turned the page,' " .... "Or we might be saying, 'We talked ourselves back into the old fixes,'" such as rebate checks and even telling Americans directly to go out and spend, as President Bush did after 9/11. With baby boomers' habits well ingrained, it may instead be generation X and generation Y who decide to embrace a simpler, less wasteful lifestyle, rebelling against the conspicuous consumption that their parents helped make the American way of life
L'article intégral est un peu long mais je crois qu'il vaut la peine:
The End of Credit Card Consumerism. A new frugality could remake the U.S. economy—and American life
By Kimberly Palmer Posted August 8, 2008
When it comes to longevity, few royals can top America's King Consumer. For more than four decades, our shopaholic nation has shown an insatiable desire to spend until our credit cards melt. And throughout this era, consumer spending has, well, consumed a greater and greater share of our total economy. Only twice since 1965, despite half a dozen recessions, have Americans spent less in a year than the previous one.
Indeed, it often seems that we have defined ourselves by our ability to buy supersized everything, from McMansions to tricked-out SUVs to 60-inch flat-screen televisions—all enabled by decades of cheap credit. On the surface, it may seem that there's nothing wrong with all that conspicuous consumption, especially for the biggest, most productive economy on the planet. After all, our undying love of stuff has helped fuel a global economic boom.
Yet today, America finds itself at a once-or-twice-a-century economic tipping point. A sharp slowdown, record-high gas prices, high consumer debt levels, a plunging real estate market, and the growing green movement all seem to be conspiring to dethrone King Consumer and transform the economy and the American way of life for years to come.
"The process of bringing our wants and our needs into realignment," says Merrill Lynch economist David Rosenberg, "is going to involve years of savings and frugality." Or, to put more it more simply, "there is an anti-bling thing going on," says Marian Salzman, chief marketing officer of Porter Novelli.
Party's over. Many consumers, of course, don't have much choice but to scale back. Total credit card debt has increased by over 50 percent since 2000. The average American with a credit file is responsible for $16,635 in debt, excluding mortgages, according to Experian, and the personal savings rate has hovered close to zero for the past several years. High gas and food prices are causing real incomes to fall.
Even worse, rising inflation will probably cause the Federal Reserve to start jacking up interest rates once the credit crisis on Wall Street has passed, tightening credit even further. "We're shedding jobs, it's much harder to borrow, and what used to be capital gains are now capital losses," says Scott Hoyt, senior director of consumer economics at Moody's Economy.com. "There's no source of funding for spending." Because many of us won't be able to as easily use our homes as ATMs, Hoyt expects to see an upward trend in saving and slower growth in consumer spending, compared with the binge of the past decade. It was our appetite for housing, after all, that served as the catalyst for the multidecade consumer boom.
Consider this: Consumer spending has risen to just over 70 percent of the U.S. economy from a bit more than 60 percent in 1965. The pace really picked up in the 1970s, when the first baby boomers started buying and furnishing their own homes. But now, Rosenberg says, the median boomer is in his early 50s and looking to unload his fleet of leased SUVs. To some degree, then, demographics are destiny.
Longer term, an aging population will need to spend less and save more for retirement. As that process plays out, consumer spending may become less important in the big economic picture. Moody's Economy.com forecasts that the combination of demographic and financial factors will cause just such a seismic economic shift. Reversing a four-decade ascent, consumer spending could actually start falling as a percentage of U.S. gross domestic product, slipping to 68 percent over the next seven years. Shopped out.
And this new frugality might actually be OK with many of us. Consumers were "so glutted on everything that they had acquired and all the time that was robbed from them...that they almost saw this [downturn] as a great opportunity to stop," says Faith Popcorn, chief executive of her eponymous consultancy. In a recent survey, she found that 90 percent of respondents said they were considering options for "the simpler life," and 84 percent said they were inclined to buy "less stuff."
Another survey found that people rank being in control of their finances and living a green lifestyle higher as signs of success than having money or a luxury car, and view having a paid-off mortgage as more of a status symbol than having a beautiful home. "We have to convince ourselves that the lifestyle we can afford right now is a desirable one," says Holly Heline Jarrell, a global director at the communications firm Manning Selvage & Lee, which sponsored the survey
Examples of the mind-set shift abound. Large-vehicle sales declined 5.5 percent during the first six months of 2008, while compact-car sales rose 33 percent, according to J. D. Power & Associates. Piaggio, the company that makes Vespas, reports that scooter sales in June were up 146 percent over a year earlier. Even daily lattes have been cut; in July, Starbucks announced that it was closing 600 stores in response to reduced consumer traffic. The NPD Group has found that the number of meals made at home has been steadily rising since 2001. "We're coming back to the home," says Harry Balzer, vice president of the firm.
For some people, the downscaling has more to do with a changing definition of cool than with budgeting. The summer blockbuster WALL-E depicts a future world where spending and waste have spiraled so out of control that the Earth becomes a giant landfill. Magazines play up how celebrity moms like Victoria Beckham, aka Posh Spice, and Heidi Klum shop at Target for their kids. A simplification industry has spawned an annual Buy Nothing Day, books and blogs about not purchasing anything for a year, and Real Simple magazine. One recent post on the Consumerist, an irreverent website dedicated to standing up to corporations, contemplated the Geo Metro's transformation from "weak to chic." Consumerist's senior editor, Meg Marco, who used to drive the unstylish but fuel-efficient vehicle herself, says, "When gas is over $4 per gallon, I don't think anyone is any less 'cool' simply because they're seen driving a compact car.
" Young consumers in their 20s may be most affected by the shift to simplicity. In focus group research for her upcoming book on generation Y, consumer psychologist Kit Yarrow has found growing interest in secondhand stores. Young shoppers tell her that it's a "way to get new stuff without creating stuff," she says. And becauseconsumers often learn their lifetime shopping habits during their developmental years, Mandy Putnam, vice president at TNS RetailForward, says that members of generation Y may be permanently shaped by today's lessons in austerity, much as their great-grandparents were by the Great Depression.
There's also an environmental component, says personal finance guru David Bach. "I just sat at the kitchen table with my 5-year-old son talking about 'reduce, reuse, recycle'—I couldn't have told you that at 5," Bach says. He recently wrote Go Green, Live Rich, which focuses on how helping the Earth can coincide with smart financial choices, such as avoiding bottled water and starting a vegetable garden. Russell Simon, a 26-year-old communications manager for Carbonfund.org, a non-profit, embodies that way of thinking. He furnished his Washington, D.C., apartment with used furniture found on Craigslist, uses a canvas bag to bring home groceries, and gave up his '99 Subaru Impreza Wagon. He fills his time with activities, like swing dance lessons, that don't involve buying things. While he's glad his anticonsumption ways have a positive effect on the environment,
Simon's motivations are more self-serving. "It's about uncluttering my mind, uncluttering my space, and allowing me to focus on things that matter," he says.Cindee Mazzanti, a self-employed 57-year-old living in upstate New York, started downsizing in 2001, when the end of the dot-com bubble made her realize the importance of living within one's means. She sold her home and used the equity to pay off her debts and purchase a smaller home without a mortgage. She also traded in her Ford Freestyle SUV for a more thrifty Ford Focus to lower her own fuel costs and help reduce America's demand for foreign oil. Her monthly living expenses shrank from $5,600 to $1,200. Without debt, she says, she feels free
Refills. Retailers are doing what they can to woo these new, economy-minded consumers. In April, Starbucks began offering new rewards on its stored-value cards, including free refills on hot and iced brewed coffee and complimentary syrup and soy milk. "This was an opportunity...to show Starbucks can be a part of people's lives even when budgets are tight," Brad Stevens, vice president of Starbucks's customer relationship management, says. But what happens when budgets aren't so tight? Plenty of hardheaded economists say we'll go right back to our prodigal ways. Alan Blinder, economics professor at Princeton University and former Federal Reserve vice chairman, thinks that optimism and the drive to spend are hard-wired parts of America's cultural DNA. Blinder expects that even baby boomers will continue the spending spree that has defined most of their lives, buying medical care and golf vacations instead of new cars and larger homes.
Economist David Malpass argues that Americans aren't nearly as bad off as the low personal savings rate suggests because that calculation ignores the buildup of net worth. (If you bought a share of XYZ Corp. in January at $100, for instance, and its value doubled by December, the savings rate measure would still value that investment at $100.) Malpass points out that the average household has $573,379 in assets, including the value of retirement plans and the cash value of life insurance, and only $117,951 in liabilities. Even if Americans do curtail their spendthrift habits, the result would probably be a healthier and more balanced American economy.
Next year, the federal budget deficit is projected to reach almost $500 billion for the first time. America couldn't afford such a fiscal shortfall if foreign investors, such as the Chinese, didn't buy our debt—U.S. treasury bonds. If as a nation we bought a bit less and saved a bit more, economists say, the result would be stronger long-term economic growth. And depending on the kindness of strangers to perpetually finance your lavish spending sure seems risky. If the foreign appetite for U.S. dollar assets abated, says T. Rowe Price chief economist Alan Levenson, the dollar would probably weaken further, reducing Americans' standard of living.
Besides, there is more to the economy than just the consumer. The economic boom of the 1990s was led by business investment, especially in technology, aiding a boost in productivity that continues today. While businesses are holding back on investment because of recession fears, they are likely to beef it up after that threat passes, says Robert Brusca, chief economist at Fact and Opinion Economics.
And Uncle Sam may have a role to play as well by investing taxpayers' dollars to upgrade our national infrastructure and advance alternative energy technologies. "We're at a critical moment," says Benjamin Barber, author of Consumed. "In two or three years, we might say, 'We had a moment where the banks were broke, credit cards didn't have much credit left, when Americans were beginning to rethink consumerism, when we really could have turned the page,' " Barber says. "Or we might be saying, 'We talked ourselves back into the old fixes,'" such as rebate checks and even telling Americans directly to go out and spend, as President Bush did after 9/11.
With baby boomers' habits well ingrained, it may instead be generation X and generation Y who decide to embrace a simpler, less wasteful lifestyle, rebelling against the conspicuous consumption that their parents helped make the American way of life
source: http://www.usnews.com/articles/business/economy/2008/08/08/the-end-of-credit-card-consumerism.html
mardi 18 août 2009
de nouveaux domaines d'expertises
Les différentes évolutions règlementaires, techniques, ou comportementales impliquent l’acquisition de nouveaux domaines d’expertises :
Intégrer les nouvelles possibilités des devices
emv & sepa : Cette double évolution ne doit pas être uniquement considérée comme une question technique. Les nouvelles possibilités des puces et les nouvelles règles encadrant le paiement sont autant d’interpellations marketing : Le caractère multi-applicatif des cartes, le choix de paiement en caisse, les nouveaux formats de flux de paiement comme le virement, l’introduction de zones relationnelles dans les flux de paiement, l’apparition de nouveaux acteurs de paiements, la modification des business models, l’introduction de nouvelles concurrences sur le financement court terme des achats, la création d’activité « data » et marketing chez des fournisseurs de cartes universelles etc… redistribuent la donne et impactent nos métiers, nos produits et services, nos savoir-faire, nos business-models.
Mobile : Le téléphone mobile est un outil paramétrable, personnel, interactif,-communicant et mobile. Paramétrable : cet outil présente la particularité de pouvoir « émuler » d’autres devices. Ainsi dans le cas de paiements sans contact, il peut, via NFC par exemple, remplacer une carte de paiement ou une carte de fidélité. Interactif, contrairement à d’autres outils comme la carte, le mobile est un outil permettant une interaction entre un émetteur et une personne. Communicant, son clavier, son écran et ses capacités de communications dans les deux sens permettent d’échanger des messages. De plus ces messages peuvent être des données, de la voix, du son ou des images. C’est un outil personnel, comme la carte. C’est un outil mobile, qui permet à la personne de communiquer sans être lié à un point physique mais aussi d’être localisée.
A la fois device et interface, le mobile va modifier les schémas de paiements et dépasser les possibilités des cartes en la libérant des points de paiement physiques et en permettant une relationnalisation des actes comme le paiement. Les schémas relationnels traditionnels devront intégrer une interactivité de par la nature même de ce device interactif et par une contextualisation des dialogues liée à la localisation
Capitaliser sur les nouvelles données
Web-analytics : La montée en puissance du média internet est aujourd’hui avérée. Nos sites et ceux de nos partenaires sont devenus de vrais points de ventes et deviendront inévitablement aussi à terme des centres relationnels. Or le web présente un gros avantage sur le mortar, la tracabilité. Tout est analysable et historisable, ainsi par exemple, l’origine du surfeur, sa circulation au sein du site. C’est un univers entier de nouvelles données que nous devons apprendre à analyser puis à utiliser.
Social network & social links : Les individus échangent de plus en plus d’informations et d’avis. Cette tendance est accélérée par leur mise en réseau. Mise en réseau « ouverte » via des médias comme internet avec les commentaires qu’ils postent sur différents sites ou blogs ou les blogs personnels ou professionnels qu’ils créent. Mise en réseau « fermée » via les outils communautaires type facebook, linkdelin ou viadeo ou encore des outils de communications auprès d’amis ou d’affiliés ou de suiveurs (type twitter).
Dans ce contexte un individu ne doit pas être considéré uniquement par sa valeur (actuelle ou potentielle) mais il doit être pondéré par le poids de son niveau d’influence. La quantification de cette valeur d’influence s’effectue par l’analyse statistique des liens sociaux qui mettent en exergue les individus fortement « reliés » en fonction de la taille de leur réseau personnel.
Aujourd’hui la « force » (ou l’intensité) de la relation entre les individus se mesure essentiellement quantitativement au nombre d’échanges. Demain l’analyse sémantique permettra d’aller plus loin et de qualifier cette relation en fonction du contenu des messages.
En dressant une gigantesque toile d’araignée ou chaque fil représente les relations (les échanges) entre individus on peut détecter les « centres d’influences », les isolés et ainsi construire une stratégie de ciblage des centre d’influences pour couvrir les différents groupes ou encore pondéré la valeur d’un client ou d’un prospect par la mesure de l’influence positive ou négative qu’il peut avoir « autour » de lui.
Valoriser de nouveaux capteurs :
Communautés : La montée en puissance des sites de « socialisation » à la facebook, pour ne citer que lui, doit être prise en compte. Que ce soit via la création et l’animation de communautés pour notre compte en B2C ou celui de partenaires (en B2B2C), ou par l’association à des grands aggrégateurs de communautés, nous ne pouvons rester en dehors de cette tendance à la communautarisation qui créée de très gros gisements d’audience.
Audience : Cette notion d’audience est liée à une séparation entre produit d’acquisition et schéma de rentabilisation. De nombreux modèles comme les telco, les fabricants d’imprimantes, les financements de prêts immobiliers reposent sur cette notion d’une acquisition via un produit d’appel qui créée une audience et une rentabilisation via de l’up-sell, du cross-sell ou de la « simple » utilisation. Un des enjeux de demain sera la création d’outils de captation de cette audience (avec quels produits ou services) et la capactié à fertiliser sur cette audience. Au delà de la vente « directe » de produits il faudra donc développer une capaciité à « pousser » des offres adaptées sur cette audience. (ce qui pose bien sur la question du portefeuille d’offres disponibles)
Optimiser les propositions commerciales
Affectation des offres aux clients : Face à la multiplication des offres, à des fonctionnalités et des produits et personnalisations possibles, des segmentations de plus en plus fines et des ciblages de plus en plus pointus, des médias de plus en plus nombreux, la question de l’affectation de la bonne combinaison « bonne offre au bon client au bon moment par la bon média » va se poser de manière drastique. Le nombre de combinaisons possibles va croitre de manière exponentielle et seule une industrialisation (mathématisation) poussée de ce process permettra de prendre en compte l’ensemble des possibilités.
Les outils de préconisations d’offres (capables de travailler en temps réel) vont de venir indispensables et le métier des marketeurs va évoluer vers la gestion et l’optimisation de portefeuilles d’offres et de clients. L’affectation de l’un vers l’autre étant mathématisée. Le travail des statisticiens va lui-même évoluer devant l’explosion du nombre de modèles à construire.
La croissance exponentielle des données disponibles, de leur volumétrie, du nombre d’analyse et de modèles requis pour en tirer le meilleur parti vont mettre sous tension les capacités informatiques et statistiques : Bases rapides et outils d’exploration de données, ou Industrialisation de la conception des modèles statistiques marketing seront clés pour l’avenir.
Intégrer les nouvelles possibilités des devices
emv & sepa : Cette double évolution ne doit pas être uniquement considérée comme une question technique. Les nouvelles possibilités des puces et les nouvelles règles encadrant le paiement sont autant d’interpellations marketing : Le caractère multi-applicatif des cartes, le choix de paiement en caisse, les nouveaux formats de flux de paiement comme le virement, l’introduction de zones relationnelles dans les flux de paiement, l’apparition de nouveaux acteurs de paiements, la modification des business models, l’introduction de nouvelles concurrences sur le financement court terme des achats, la création d’activité « data » et marketing chez des fournisseurs de cartes universelles etc… redistribuent la donne et impactent nos métiers, nos produits et services, nos savoir-faire, nos business-models.
Mobile : Le téléphone mobile est un outil paramétrable, personnel, interactif,-communicant et mobile. Paramétrable : cet outil présente la particularité de pouvoir « émuler » d’autres devices. Ainsi dans le cas de paiements sans contact, il peut, via NFC par exemple, remplacer une carte de paiement ou une carte de fidélité. Interactif, contrairement à d’autres outils comme la carte, le mobile est un outil permettant une interaction entre un émetteur et une personne. Communicant, son clavier, son écran et ses capacités de communications dans les deux sens permettent d’échanger des messages. De plus ces messages peuvent être des données, de la voix, du son ou des images. C’est un outil personnel, comme la carte. C’est un outil mobile, qui permet à la personne de communiquer sans être lié à un point physique mais aussi d’être localisée.
A la fois device et interface, le mobile va modifier les schémas de paiements et dépasser les possibilités des cartes en la libérant des points de paiement physiques et en permettant une relationnalisation des actes comme le paiement. Les schémas relationnels traditionnels devront intégrer une interactivité de par la nature même de ce device interactif et par une contextualisation des dialogues liée à la localisation
Capitaliser sur les nouvelles données
Web-analytics : La montée en puissance du média internet est aujourd’hui avérée. Nos sites et ceux de nos partenaires sont devenus de vrais points de ventes et deviendront inévitablement aussi à terme des centres relationnels. Or le web présente un gros avantage sur le mortar, la tracabilité. Tout est analysable et historisable, ainsi par exemple, l’origine du surfeur, sa circulation au sein du site. C’est un univers entier de nouvelles données que nous devons apprendre à analyser puis à utiliser.
Social network & social links : Les individus échangent de plus en plus d’informations et d’avis. Cette tendance est accélérée par leur mise en réseau. Mise en réseau « ouverte » via des médias comme internet avec les commentaires qu’ils postent sur différents sites ou blogs ou les blogs personnels ou professionnels qu’ils créent. Mise en réseau « fermée » via les outils communautaires type facebook, linkdelin ou viadeo ou encore des outils de communications auprès d’amis ou d’affiliés ou de suiveurs (type twitter).
Dans ce contexte un individu ne doit pas être considéré uniquement par sa valeur (actuelle ou potentielle) mais il doit être pondéré par le poids de son niveau d’influence. La quantification de cette valeur d’influence s’effectue par l’analyse statistique des liens sociaux qui mettent en exergue les individus fortement « reliés » en fonction de la taille de leur réseau personnel.
Aujourd’hui la « force » (ou l’intensité) de la relation entre les individus se mesure essentiellement quantitativement au nombre d’échanges. Demain l’analyse sémantique permettra d’aller plus loin et de qualifier cette relation en fonction du contenu des messages.
En dressant une gigantesque toile d’araignée ou chaque fil représente les relations (les échanges) entre individus on peut détecter les « centres d’influences », les isolés et ainsi construire une stratégie de ciblage des centre d’influences pour couvrir les différents groupes ou encore pondéré la valeur d’un client ou d’un prospect par la mesure de l’influence positive ou négative qu’il peut avoir « autour » de lui.
Valoriser de nouveaux capteurs :
Communautés : La montée en puissance des sites de « socialisation » à la facebook, pour ne citer que lui, doit être prise en compte. Que ce soit via la création et l’animation de communautés pour notre compte en B2C ou celui de partenaires (en B2B2C), ou par l’association à des grands aggrégateurs de communautés, nous ne pouvons rester en dehors de cette tendance à la communautarisation qui créée de très gros gisements d’audience.
Audience : Cette notion d’audience est liée à une séparation entre produit d’acquisition et schéma de rentabilisation. De nombreux modèles comme les telco, les fabricants d’imprimantes, les financements de prêts immobiliers reposent sur cette notion d’une acquisition via un produit d’appel qui créée une audience et une rentabilisation via de l’up-sell, du cross-sell ou de la « simple » utilisation. Un des enjeux de demain sera la création d’outils de captation de cette audience (avec quels produits ou services) et la capactié à fertiliser sur cette audience. Au delà de la vente « directe » de produits il faudra donc développer une capaciité à « pousser » des offres adaptées sur cette audience. (ce qui pose bien sur la question du portefeuille d’offres disponibles)
Optimiser les propositions commerciales
Affectation des offres aux clients : Face à la multiplication des offres, à des fonctionnalités et des produits et personnalisations possibles, des segmentations de plus en plus fines et des ciblages de plus en plus pointus, des médias de plus en plus nombreux, la question de l’affectation de la bonne combinaison « bonne offre au bon client au bon moment par la bon média » va se poser de manière drastique. Le nombre de combinaisons possibles va croitre de manière exponentielle et seule une industrialisation (mathématisation) poussée de ce process permettra de prendre en compte l’ensemble des possibilités.
Les outils de préconisations d’offres (capables de travailler en temps réel) vont de venir indispensables et le métier des marketeurs va évoluer vers la gestion et l’optimisation de portefeuilles d’offres et de clients. L’affectation de l’un vers l’autre étant mathématisée. Le travail des statisticiens va lui-même évoluer devant l’explosion du nombre de modèles à construire.
La croissance exponentielle des données disponibles, de leur volumétrie, du nombre d’analyse et de modèles requis pour en tirer le meilleur parti vont mettre sous tension les capacités informatiques et statistiques : Bases rapides et outils d’exploration de données, ou Industrialisation de la conception des modèles statistiques marketing seront clés pour l’avenir.
V ou W: une crise de foi
On disserte beaucoup actuellement sur la forme des scenarios de crise (en forme de V, de W ou de U) . Toute la question est de savoir si les frémissements que certains croient détecter sont la fin du V ou le milieu du W.
Je crains d'être tenté de parier sur le W .
"Nous sommes actuellement dans la deuxième jambe d'un scénario en W, ce qui est assez agréable, mais nous devons nous attendre à passer dans la troisième dans le courant de 2010", (Nicolas Bouzou: http://www.lepoint.fr/actualites-economie/2009-08-13/la-recession-est-finie-en-france-pas-la-crise/916/0/368821)
Cette analyse rejoint celle ci-dessous:
source: http://www.lesechos.fr/info/analyses/020103897448-une-reprise-fantome-.htm?xtor=EPR-1000-%5binfo%20matin%5d-20090818
Je crains d'être tenté de parier sur le W .
"Nous sommes actuellement dans la deuxième jambe d'un scénario en W, ce qui est assez agréable, mais nous devons nous attendre à passer dans la troisième dans le courant de 2010", (Nicolas Bouzou: http://www.lepoint.fr/actualites-economie/2009-08-13/la-recession-est-finie-en-france-pas-la-crise/916/0/368821)
Cette analyse rejoint celle ci-dessous:
source: http://www.lesechos.fr/info/analyses/020103897448-une-reprise-fantome-.htm?xtor=EPR-1000-%5binfo%20matin%5d-20090818
lundi 17 août 2009
masque: t'as le look coco
Ce n'est pas parce que la grippe va nous obliger à porter des masques qu'on doit négliger son look. Au japon, ou l'on porte déja des masques depuis un moment, on peut acheter de superbes masques décorés. Et vous que porterez vous cet automne ?
uncrunch america
J'avais zappé un site nommé "uncrunch america". Considérant que la crise (le credit crunch) vient de la faillite du modèle de distribution classique du crédit tel qu'il serait pratiqué par les banques (qui fermeraient les lignes de crédit pour "assainir" leur portefeuille d'encours, ce site souhaite développer le social lending en diffusant cette notion. Ici on demandait aux américains de raconter leurs infortunes liées à la crise du crédit avec une chance de gagner une ligne de crédit "gratuit" de 5.000 $.
Ce site regroupe un partenaire de P2P lending - lending club - (prêt entre particuliers), virgin money pour les prêts plus classiques et quelques sites "connexes" ou sympathisants qui tournent autour des outils de gestion budgétaire par exemple.
Ces tentatives de création d'audience et d'acquisition indirecte de clientèle me semble se multiplier. Sur un autre plan c'est, que je sache la première alliance, entre un offreur financier traditionnel (d'accord c'est virginmoney et cela va bien avec sa volonté de se démarquer) et un "social lender"
Ce site regroupe un partenaire de P2P lending - lending club - (prêt entre particuliers), virgin money pour les prêts plus classiques et quelques sites "connexes" ou sympathisants qui tournent autour des outils de gestion budgétaire par exemple.
Ces tentatives de création d'audience et d'acquisition indirecte de clientèle me semble se multiplier. Sur un autre plan c'est, que je sache la première alliance, entre un offreur financier traditionnel (d'accord c'est virginmoney et cela va bien avec sa volonté de se démarquer) et un "social lender"
lundi 10 août 2009
green card: "alors c'est green ?"
repéré sur springwise.com.
Les cartes plus ou moins vertes avec des dons allant à des associations écologiques pour replanter des arbres par exemple comme une green card (d'ailleurs orange) aux pays-bas (https://www.visagreencard.nl/)
La vague "green" atteint maintenant les "gifts cards" (cartes cadeaux) avec l'apparition de cartes plus écologiques car c'est le support même de la carte (le "plastique") qui devient écologique.
Bonne idée car en effet les américains dépenseraient 65 milliards de $ dans ces cartes souvent "jetables". Certains commencent à recycler ces cartes mais ici (http://www.eco-card.co.uk/) on parle d'une gamme de 4 niveaux de "vertitude" allant jusqu'à la carte bio-dégradable.
Les cartes plus ou moins vertes avec des dons allant à des associations écologiques pour replanter des arbres par exemple comme une green card (d'ailleurs orange) aux pays-bas (https://www.visagreencard.nl/)
La vague "green" atteint maintenant les "gifts cards" (cartes cadeaux) avec l'apparition de cartes plus écologiques car c'est le support même de la carte (le "plastique") qui devient écologique.
Bonne idée car en effet les américains dépenseraient 65 milliards de $ dans ces cartes souvent "jetables". Certains commencent à recycler ces cartes mais ici (http://www.eco-card.co.uk/) on parle d'une gamme de 4 niveaux de "vertitude" allant jusqu'à la carte bio-dégradable.
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