3 business model canvases: credit suisse icbc china boursorama france authors: evangelos brachos...
TRANSCRIPT
3 BUSINESS MODEL CANVASES:
• Credit Suisse• ICBC CHINA • BOURSORAMA France • AUTHORS: Evangelos BRACHOS
Sikka GOMEZ Christian SERY Sabrina OSSEY
Lecture Lecture : : e-business 2011 MScIS Group’s subject : BANKING & FINANCE
Key partners
Revenue streams
Cost structure
ChannelsKey ressources
Key activities Customer segment
Value proposition
Customer relationships
BANK officesInternet banking and business transaction social media Direct net banking app (on iphone)
BANK officesInternet banking and business transaction social media Direct net banking app (on iphone)
Relationship management model Personnal consultation (hotline)
Relationship management model Personnal consultation (hotline)
large network An expertise section Social media Credit suisse Brand ServicesAmbassador :Roger Federer
large network An expertise section Social media Credit suisse Brand ServicesAmbassador :Roger Federer
good strategyStrengths of Asset Management
good strategyStrengths of Asset Management
Private Clients Corporates & institutions lien Governments
Private Clients Corporates & institutions lien Governments
AssociationsAuthoritiesSponsorshipSociety
AssociationsAuthoritiesSponsorshipSociety
Private banking Investissement Banking Asset management
Private banking Investissement Banking Asset management
corporatesTraining New agencies creation Investments funds and securitiesTradersNew assets managersHedge funds
corporatesTraining New agencies creation Investments funds and securitiesTradersNew assets managersHedge funds
Rates Services payments return on equityNew asset Collaboration revenuesGross margin in the Wealth Management Clients businesslien
Rates Services payments return on equityNew asset Collaboration revenuesGross margin in the Wealth Management Clients businesslien
CREDIT SUISSE CREDIT SUISSE
Shared services
KEY’S PARTNERS Associations
Authorities
Sponsorship
Society
Associations
Authorities
Sponsorship
Society
SBA - Swiss Bankers Association Swiss American Chamber of Commerce
Swiss Employers AssociationEtc……..
In the context of its global initiatives, Credit Suisse works with a series of partner organizations. The bank also
supports a large number of humanitarian organizations in the four regions in which it operates.Europe,America,asia-
pacific,EMEA
Switzerland : FDF - Federal Department of Finance FINMA - Swiss Financial Market Supervisory Authority
SNB - Swiss National BankETC……
Credit Suisse maintains numerous partnerships in culture and in sports.
Roger Federer's websiteRoger Federer Foundation
Etc….
KEY’S ACTIVITIES
Private banking
Asset management
Investissement Banking
Private banking
Asset management
Investissement Banking
Key activities
Provide comprehensive advice and a broad
range of wealth management solutions
to Offer a broad range of investment banking and securities products
and services
To offer a wide range of investment products and functions across
asset classes
Values Proposals
good strategy
Strengths of Asset Management
good strategy
Strengths of Asset Management
Client focus Performance Alignment Risk management Intellectual capital Client delivery
Relashionship management model
Channels Internet
banking and business Payments
channels
Business easy
package
Direct net banking app (on iphone)
Social media
Bank offices
Internet banking and business Payments
channels
Business easy
package
Direct net banking app (on iphone)
Social media
Bank offices
• Youtube• Facebook,twitter• RSS• Podcast
• Switzerland, United kingdom• USA, BRAZIL• Japan, Hong Kong china, Singapoure
• Switzerland, United kingdom• USA, BRAZIL• Japan, Hong Kong china, Singapoure
• Direct Net and NetBanking Platforms• Payment Channels for More Complex Requirements• Conventional Payment Transaction Channels• Personnal consultation (phone,internet)
• Your Benefits at a Glance, Business Easy Overdraft Limit, Payment Transactions• Optional Products, Interesting Additional Benefits• Your Benefits at a Glance, Business Easy Overdraft Limit, Payment Transactions• Optional Products, Interesting Additional Benefits
• Services at your fingertips• Exclusive for Direct Net users• Highest Standards of Security
• Services at your fingertips• Exclusive for Direct Net users• Highest Standards of Security
Key partnersKey partners
Revenue streamsRevenue streams
Cost structure
Cost structure
ChannelsChannelsKey ressources
Key ressources
Key activitiesKey activities Customer segment
Customer segment
Value proposition
Value proposition
Customer relationships
Customer relationships
Bank corporates Internet banking Phone banking
Bank corporates Internet banking Phone banking
Relationship managementVIP version of personal internet
Relationship managementVIP version of personal internet
Integrated account Service Materials ICBC Brand
Integrated account Service Materials ICBC Brand
Rewards programs Octopus Automatic Add- Value Service Free personal accident travel insurance VIP version of personal internet Second password security mesure
Rewards programs Octopus Automatic Add- Value Service Free personal accident travel insurance VIP version of personal internet Second password security mesure
Clients Companies Governments
Clients Companies Governments
Consultants Auditors Insurance company Bank
Consultants Auditors Insurance company Bank
Risk management Investment Consultancy servicesInsurance E-bankingFinancing servicesSecurities,Mutual fund, bondsStructured financial asset
Risk management Investment Consultancy servicesInsurance E-bankingFinancing servicesSecurities,Mutual fund, bondsStructured financial asset
Training Bonus New agencies creation Discount on charge Audit charge Investments funds and securities
Training Bonus New agencies creation Discount on charge Audit charge Investments funds and securities
Rates Services payments Commission rates insurance
Rates Services payments Commission rates insurance
Industrial and Commercial Bank of China Ltd ICBC
KEY’S PARTNERS
Consultants
Insurance company
Bank companies
Consultants
Insurance company
Bank companies
Pricing partners…Pricing partners…
Cr AXA-Minmetals Assurance , Allianz China Life (AZCL),Standard Bank …
Cr AXA-Minmetals Assurance , Allianz China Life (AZCL),Standard Bank …
Values Proposals
Rewards programs
Octopus Automatic Add-Value Service
VIP version of personal internet
Rewards programs
Octopus Automatic Add-Value Service
VIP version of personal internet
ICBC Credit Card Octopus Automatic Add-Value Service (¡§AAVS¡¨) enables you automatically to add value (HK$250 or HK$500 at your choice) to any Octopus
card/product when there is insufficient fund. No need to queue…
ICBC Credit Card Octopus Automatic Add-Value Service (¡§AAVS¡¨) enables you automatically to add value (HK$250 or HK$500 at your choice) to any Octopus
card/product when there is insufficient fund. No need to queue…
For every HK$1 with your credit card, you will receive 1 point
For every HK$1 with your credit card, you will receive 1 point
VIP version is an Internet Banking service exclusively for the premium online clients of ICBCPersonal Internet
Banking. This new service offers special channel, service area, premium services, products and rate to all VIP
members
VIP version is an Internet Banking service exclusively for the premium online clients of ICBCPersonal Internet
Banking. This new service offers special channel, service area, premium services, products and rate to all VIP
members
Channels
Bank corporates
Internet banking
Phone banking
• Personal E-banking Service (account management,remittance and payement services,wealth management…)
• Corporate E-banking Service (e-commerce,security service,credit business,banking@home …)
• Personal E-banking Service (account management,remittance and payement services,wealth management…)
• Corporate E-banking Service (e-commerce,security service,credit business,banking@home …)
• Overseas Branches(Singapore,France,Argentina)• China Branches• Overseas Branches(Singapore,France,Argentina)• China Branches
• payment operation of orders generated by e-commerce platform through the Telephone Payment service.
• payment operation of orders generated by e-commerce platform through the Telephone Payment service.
Value Proposition
-A Free and simple news of the stock exchange-Customizable Brokerage service-E-Banking 24/7 with innovation (online check ...)-Everything at low cost and on a unique portal
FINANCE
Customer Relationship
-Switching costs
Distribution Channel
-Word of mouth-Internet-social networks
Customer Segment
People interessed by the stock exchange
Key Activities
-Marketing-E-Banking-Brokerage
Key Ressources
-Brand recognition-Big attendance-online experience
Key Partners
-Internet Providers-Suppliers of Financial Data-Société Générale
Revenue Streams
-Advertising on the website-brokerage revenue-Commission
Cost Structure
-Internet costs- Technologic infrastructure cost (computers, server..)
BOURSORAMA
Value Proposition
Value Proposition
-A Free and simple news of the stock exchange-Customizable Brokerage service-E-Banking 24/7 with innovqtion (online check ...)-Everything at low cost and on a unique portal
Customer Segment
People interessed by the stock exchange
(particular, professional…)
Offering a unique experience as a financial portal
Offering a unique experience as a financial portal
Distribution Channel
Value Proposition
-A Free and simple news of the stock exchange-Customizable Brokerage service-E-Banking 24/7 with innovqtion (online check ...)-Everything at low cost and on a unique portal
Distribution Channel
-Word of mouth-Internet-social networks
Customer Segment
People interessed by the stock exchange