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White papers

Equinox consultants leverage their expertise to provide clients with in-depth analyses of the trends affecting the finance industry
Click here to download free articles from Equinox Consulting.

Is the Future of Payment Solutions Mobile?
Page: 28
Publication date: May 2007
Contributors: Olivier Baumard, Jean Bouvier, Guillaume Canu, Pierre Courrieu, Régis Massicard, Delphine Nouvian and Aurélien Tardieu
Order a copy of our white paper Is the Future of Payment Solutions Mobile?

Overview:
As of the end of 2006, 51.7 million people in France owned mobile devices. A total of 8% used their devices to surf the Internet, and 6% used them to read e-mail. Meanwhile, another technology, broadband Internet, has gained a solid foothold in France, with 12 million households covered by DSL service as of the end of 2006. Total e-commerce revenue in France was estimated at €12 billion, not including €3 billion in additional revenue from online finance and credit products. In fact, €9.7 billion in payment authorizations was granted for an impressive 146 million e-commerce transactions completed in France in 2006.These figures reveal that users are becoming increasingly comfortable with new technologies. This shift, along with advances in online payment solutions, is helping fuel the burgeoning digital economy.

A new payment solutions market is currently emerging to service transactions completed over innovative distribution channels. And, of course, financial institutions have a role to play in this new market. However, in the future, the dominant position financial institutions currently enjoy could be subjected to a variety of pressures. Indeed, in just a few years, new mobile-telephone-based payment applications based on NFC (Near Field Communication) technology could become the norm. This white paper offers insight into the risks and challenges faced by both the banking industry and telecommunications operators in this evolving landscape.

Home Loans
Pages: 54
Publication date: August 2004
Author: Stéphane Court
Order a copy of our white paper Home Loans

Overview :
Providing a family with the financing to buy a home is a pivotal event in the bank-customer relationship. While the home loan can be an effective means of attracting new customers, it demands state-of-the-art processes if opportunities are to be identified and seized. This white paper presents an overview of the main drivers for enhancing retail bank operational performance.

• Improving the distribution network – What role can online customer service and customer contact centers play? How can the marketing mix be changed to increase local market share? What steps can be taken to turn a generalist sales force into a skilled professional one? How can the distribution network be adjusted to suit markets with varying customer densities?
• Updating distribution and management processes
• Building an integrated distribution channel that incorporates the main home-buying services

HR Benchmarking Survey
Pages: 17
Publication date: March 2006
Contributors: Jean-Louis Dufloux, Grégoire Forbin and Manon Julien
Order a copy of our white paper HR Benchmarking Survey

Overview:
Goals of the benchmarking survey

• For individual companies, the survey allows each participant to benchmark and improve its corporate HR functions.
• For all participants, the survey provides an overall understanding of best practices, organizational structures, and solutions to major strategic issues via a multi-sector panel of large French and European companies.

Main survey topics

• The organization and how it operates – Portrait of an HR department; where it fits in with other management bodies; how it works with HR staff in decentralized business divisions; the scope of HR employees’ tasks; and how HR applications are selected
• HR responsibilities – Global HR management; hiring and university recruitment; new employee orientation; employee motivation; retaining top talent; branding as an employer; managing sensitive issues; etc.

Participating companies

• Banking & Insurance: Caisses d’Epargne, MMA, La Poste
• Manufacturing: Arcelor, Groupe PSA, EADS
• Construction: Bouygues Construction, Spie Batignolles
• Consumer goods: Chantelle, Elco Brandt, Pernod Ricard Europe, Chanel, L’Oréal, Galeries Lafayette, Rexel, Ingenico
• Services: ADP, AFP, Elior, Suez / Lyonnaise des Eaux, Accor, Club Méditerranée, NCR

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HR Costs and Investments
Pages: 24
Publication date: March 2007
Contributors: Jean-Louis Dufloux, Grégoire Forbin, Virginie Morel and Antoine Pertriaux
Order a copy of our white paper HR Costs and Investments

Overview:
The Equinox Consulting HR benchmarking survey identified “new frontiers” for HR departments (i.e., the areas in which HR can legitimately drive decision-making and take the lead in meeting customer needs). These new frontiers involve:
- The tools and effectiveness of HR departments
- The Return on Investment (ROI) of HR projects

Equinox consultants worked with HR professionals to study these two issues, and identified the following two basic principles.

• Human Resources is both operational and functional. HR departments provide a variety of services, all of which impact a company’s bottom line. These relate to issues like healthy labor relations, quality recruitment procedures, and the appropriate training when a company enters a new line of business.
• HR is playing an increasingly strategic role in large companies. The current economic climate – with globalization, international expansion, and continuous advancements in operations and production methods – has made HR an important factor in the success of any organization, as evidenced by the growth of large corporations focused on tracking HR indicators.

More concretely, proving that an HR department is effective means answering the following questions: What is its scope? Which cost measurement methods are used? How are HR plans implemented in different divisions? How are HR investments and the expected returns calculated? What performance indicators or scorecards are used and how?

To address these issues, Equinox Consulting held a series of workshops titled «HR Costs, Investments, and Benefits» in November and December 2006. The workshop participants came from the HR departments of large, global corporations, including American Express, Axa, Chantelle, La Poste, L’Oréal, Publicis, Rhodia, Siemens, and Société Générale.

Equinox Consulting then summarized the workshop proceedings in a white paper also titled «HR Costs, Investments, and Benefits,» which outlines the key points identified for each topic addressed.

Equinox also publishes articles in trade journals; for example, in the April 2007 issue of Banque Stratégie, a French strategy magazine, Sophie Madet and Gaëlle Marsal published an article titled «Lean Six Sigma et la banque commerciale, une histoire d'affinités,» or «Lean Six Sigma and Commercial Banking, A Tale of Attraction.»

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Select your white paper:	Is the Future of Payment Solutions Mobile? - May 2007 (French only) Home Loans – August 2004 (French only) HR Benchmarking Survey – March 2006 (French only) HR Costs and Investments – March 2007 (French only)
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Articles

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The following Equinox Consulting articles are currently available in English.

HR Performance
Business Digest
Pages: 27
Publication date: 2004 - file size : 275 Ko

The following Equinox Consulting articles are available in French only.

Le Fast Close, de la meilleure pratique à une norme de marché pour les établissements financiers
Publication date: December 2008 - file size : 438 Ko

Dynamiser votre réseau de distribution et accroître son efficacité commerciale
Publication date: June 2008 - file size : 3 310 Ko

Élaboration et déploiement de bonnes pratiques commerciales et managériales
Publication date: June 2008 - file size : 270 Ko

Brochure PCA. Le management de la continuité d'activité
Publication date: April 2008 - file size : 4 207 Ko

Brochure PCA. Le management de la continuité d'activité
Type de document : Brochure
Publication date: April 2008 - file size : 2 375 Ko

Brochure PCP. Piloter le contrôle permanent
Pages: 8
Publication date: April 2008 - file size : 960 Ko

Crédit à la consommation : la directive européenne peut modifier les stratégies internationales
Pages: 1
Publication date: April 2008 - file size : 238 Ko

Lean Six Sigma. Au service de l’excellence opérationnelle
Pages: 8
Publication date: January 2008 - file size : 636 Ko

Optimisation du procesus de traitement des suspens titres et cash
Pages: 1
Publication date: January 2008 - file size: 55 Ko

Optimisation du processus de traitement des requêtes et réclamations client
Pages: 1
Publication date: January 2008 - file size: 55 Ko

Dématérialisation des documents et automatisation des processus
Pages: 8
Publication date: March 2007 - file size: 447 Ko

Business Case GEIDE
Pages: 2
Publication date: March 2007 - file size: 177 Ko

Optimiser la couverture territoriale de votre réseau d'agence
Pages: 8
Publication date: September 2007 - file size: 580 Ko

Business Case maillage territorial
Pages: 2
Publication date: September 2007 - file size: 580 Ko

Benchmarker les performances de l'ogranisation bancaire
Pages: 4
Publication date: February 2007 - file size: 1.62 Mo

Benchmark des activités de Recouvrement et revue des pratiques en matière d'externalisation pour une banque à réseau national
Pages: 1
Publication date : February 2007 - file size: 78 Ko

Benchmark de l'organisation et de la performance du marché Entreprises d'une banque à réseau national
Pages: 1
Publication date: 2006 - file size: 70 Ko

Benchmark des performances de l’organisation d’une banque régionale et dimensionnement cible des structures de siège
Pages: 1
Publication date: 2004 - file size: 147 Ko

Lean Six Sigma et la banque commerciale : une histoire d'affinités
Type: Article paru dans Banque Stratégie n°247 - April 2007
Publication date: 2007 - file size: 1,11 Mo

Equinox Consulting
Type: Article paru l'Express du 15 novembre 2007
Publication date: 2007 - file size: 6,03 Mo

Un exemple de complémentarité pour une meilleure performance
Type: Article paru l'Express du 15 novembre 2007
Publication date: 2007 - file size: 768 Ko

Pourquoi les RH doivent mesurer leur performance – et pour quoi faire
Type: Learning Community - L'Oréal
Publication date: 2007 - file size: 35,8 Ko

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