standardisation des systèmes d’information: application

HAL Id: tel-02121759https://tel.archives-ouvertes.fr/tel-02121759

Submitted on 6 May 2019

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Standardisation des systèmes d’information : applicationdans les systèmes bancaires - Cas du Crédit Agricole

Loïs Gilles

To cite this version:Loïs Gilles. Standardisation des systèmes d’information : application dans les systèmes bancaires -Cas du Crédit Agricole. Gestion et management. Université Montpellier, 2018. Français. �NNT :2018MONTD038�. �tel-02121759�

https://tel.archives-ouvertes.fr/tel-02121759

https://hal.archives-ouvertes.fr

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THÈSE POUR OBTENIR LE GRADE DE DOCTEUR

DE L’UNIVERSITÉ DE MONTPELLIER

En Sciences de Gestion - Spécialité Systèmes d’information

Préparé au sein de l’école doctorale EDEG - Économie et Gestion

Et de l’unité de recherche MRM - Montpellier Recherche en Management

Présentée par Loïs GILLES Le 9 Novembre 2018

Sous la direction de Florence RODHAIN

Devant le jury composé de

Mme Florence RODHAIN, Maître de Conférence HDR, Université de Montpellier

M. Bernard FALLERY, Professeur Emérite, Université de Montpellier

M. Marc BIDAN, Professeur des Universités, Université de Nantes

M. Marc FAVIER, Professeur des Universités, Université Grenoble Alpes

M. Benoit Faller, Docteur en Informatique, Directeur CTA - Crédit Agricole

Directrice de thèse

Co-directeur

Rapporteur

Président du Jury

Invité

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!

Texte analysé : Rapport de synthèse

Vendredi 01 Juin 2018 à 11 h 20

Le corpus lois3 a été analysé à l'aide de la méthodologie Alceste. Comme indiqué ci-dessous, 77% des unités textuelles du corpus ont été classées (niveau de pertinence), et 23% ont été rejetées de l'analyse. Les unités classées sont réparties en 3 groupes que nous appelons classes d'énoncés significatifs ou tout simplement classes. Chaque classe est numérotée et coloriée suivant l'ordre d'apparition dans la classification. Nous observons que la classe 1 est la plus spécifique, c'est la première à s'être détachée dans l'arbre de classification, son vocabulaire est le plus homogène, elle représente 21% des unités textuelles classées et se caractérise par des mots tels que cout, economies, prix, gagner, cher, negocier Ensuite se détache la classe 2, qui représente 43% des unités textuelles classées : ses mots significatifs sont projet, comite, coercitif, groupe, architect, gouvern. Elle est suivie de la classe 3 qui représente 36% des unités textuelles classées : ses mots significatifs sont systeme, metier, information, reglementer, client, banque . La lecture détaillée de ce rapport met en évidence les lignes directrices du corpus analysé.

lois3 (636 Ko)

Nombre d'individus 31

1

1317

50987

Niveau de pertinence

Page 1

Nombre de variables

Nbre de mots analysés

Nbre d'occurrences analysées

Richesse de l'analyse

Nombre de mots distincts

86 %

77%

Nombre total de mots

IMAGE - Alceste Education

117280

6354

©

systemecout

economies

prix

gagner

cher

negocier

metier

information

effetqualite

ressource

tarif

reglementer

objectif

prestat

volume

depense

client

meilleur

banque

applica

contrat

engagement

gain

projet

competent

standard

donnee

comite

delai

tirer

concurrent

facture

gestion

echelle

prestige

groupe

perdre

caisse

processus

grace

gouvern

payer

equipe

base

achat

charge

cle

systemecout

economies

prix

gagner

cher

negocier

metier

information

effetqualite

ressource

tarif

reglementer

objectif

prestat

volume

depense

client

meilleur

banque

applica

contrat

engagement

gain

projet

competent

standard

donnee

comite

delai

tirer

concurrent

facture

gestion

echelle

prestige

groupe

perdre

caisse

processus

grace

gouvern

payer

equipe

base

achat

charge

cle

systemecout

economies

prix

gagner

cher

negocier

metier

information

effetqualite

ressource

tarif

reglementer

objectif

prestat

volume

depense

client

meilleur

banque

applica

contrat

engagement

gain

projet

competent

standard

donnee

comite

delai

tirer

concurrent

facture

gestion

echelle

prestige

groupe

perdre

caisse

processus

grace

gouvern

payer

equipe

base

achat

charge

cle

Mot associé

couteconomiesprixgagnerchernegociereffetqualiteressourcetarifprestatobjectifvolumedepensemeilleurcontratgain*2*16*Intra*F*3*N_1

Mot associé

projetcomitecoercitifgroupearchitectgouvernmimetequipetravailcontribuerchoixnorme+normatifchoisibonneorganeconvergence*N_1*11*Extra*5*F*12

Mot associé

systememetierinformationreglementerclientbanqueapplicastandarddonneeconcurrentgestioninteroperabilicaissedifferentprocessusbancaireinformatique*DSI*f*7*18*IntraExtra*4

La classe 1 contient 21% des unitésLa classe 2 contient 43% des unitésLa classe 3 contient 36% des unités

Unités non classées et rejetées : 23%2008 unités réparties en 3 classes : 77%

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Cette classe est form ée de 441 unités, soit 21% des unités classées. Les mots significatifs de cette classe sont des termes tels que cout,

economies, prix, gagner, cher, negocier.

Classe n° 1

Page 2

Mots significatifs

La valeur du Khi2 indique la force du lien entre la forme et la classe

Extrait des unités en fonction des mots significatifs

• sur l engagement de volume par-exemple, sur des negociations de prix avec nos

fournisseurs , certaines entites disaient moi j ai un tarif meilleur que le prix

negocie groupe. donc elles avaient un tarif meilleur , mais certaines entites

avaient un tarif moins bon donc au global on fait un tarif entre les deux et au

global on gagne , mais celles qui avaient un tarif meilleur elles perdent un peu

• en termes de qualite , je-pense qu on gagne quand-meme. sur les couts , on a un

programme de reduction de charges, optimisation des licences, achat de prestations

donc on mesure nos economies .

• on a beneficie de la massification un petit peu, ca eu comme effet de baisser

les prix , mais l effet indesirable de faire baisser la qualite des prestataires .

je ne sais pas a quel point j y suis gagnant .

• L objectif premier pour moi, c est une question de couts evidemment.

massification vis-a-vis des fournisseurs , reduction des couts de maintenance grace

a la mise en commun des systemes. je-pense que c est l essentiel. apres

evidemment, il-y-a l axe qualite , cout , delais mais clairement la on est dans un

axe cout .

• il y avait ce fameux plan prestige , cela parait logique qu avec la puissance de

feu du groupe vous obtiendrez de meilleurs prix que vous dans votre coin, donc

vous devez travailler avec des ressources referencees prestige .

• ici les achats avaient un mal fou a travailler avec des ressources referencees

dans prestige parce-que d abord sur certains fournisseurs references groupe

prestige , on avait des prix negocies en direct,

• on a cette modularite que la taille permet, on beneficie de l effet

mutualisation. meilleur delai sur les infrastructures, meilleure reactivite,

infrastructure qui sont pretes on ne reflechit plus, on n a plus ce temps de

reflexion, on gagne en jour homme.

• notamment financier. contrairement a ce-que l on croit, on n obtient pas

forcement de meilleur tarif groupe quand on est trop gros. J ai des exemples

concrets, je peux vous dire que des societes de petites tailles ont des meilleurs

prix que des grosses structures.

• apres amundi reste petit, amundi ce n est pas facile parce qu on est petit, on

ne pese rien en termes d achats, en termes d infrastructures, sur plein d egard on

coute quoi, 170millions ce n est rien.

• meilleurs que les prix negocies groupe et puis on travaillait avec d autres

boites dont on avait des prix bien meilleurs . donc c est complique d expliquer aux

collaborateurs qu il faut travailler avec ces ressources referencees parce-que le

groupe avec sa puissance de feu a negocie et obtenu mieux,

• ca c est un risque sur les prestations intellectuelles, les fournisseurs donc

dans tous les modeles que l on va retrouver avec une proposition de convergence du

groupe, on-dit attention le modele s il est pousse trop loin il tue la diversite,

• L exemple que j ai en-tete, par-exemple, c est l engagement de volume . le DSI

IMAGE - Alceste Education ©

Nuage et réseaux

Mots présents Khi2 Effectif

cout 95157economies 69136prix 41119gagner 59111cher 4384negocier 2583effet 2574qualite 3071ressource 3164tarif 2057prestat 2856objectif 3056volume 1554depense 1450meilleur 3448contrat 2047gain 2146engagement 1346competent 2845delai 2140tirer 1640facture 1239mesurer 1837echelle 2336prestige 1536perdre 2135critiquer 1233grace 1031puissance 1331payer 1830enorme 1430fournisseur 2329*2 6024*10 6722*Intra 11812*F 2889*3 395*N_1 2183*10 302*Fus 2962

Mots absents Khi2 Effectif

norme+ 1-24projet 20-21systeme 21-21chose 23-18information 8-18echange 3-13*7 15-11*10 1-10*18 6-10

cher

groupe

reduire

reduct

termefait

faire

gagner

standard

solution

informatique

augmenter

regarder

entitemesurer

fournisseurallerdire+echelle

effet

cout

groupe

faire

echelle

fait

objectifaller dire+

sens

standardvecteur

global

gagner

cout

beneficier

arriver

gain

entitesujet

choix

vue

economies

couteconomies

prixgagner

cher negociereffet

qualiteressource

tarif

objectif

prestatvolume depense

meilleur

contrat

engagementgain

competent

delai tirer

facture

mesurer

echelle

prestige

perdre

critiquer grace

puissance

payer

enorme

fournisseur

financier humain

reduire

obtenir

achat

esperer

beneficiercharge

gammesociete

renforcer

argent

clebaisser

expertiser

negociation

reduct

quantifie

sourcing

inferieur

inconvenient

terme

penaliser

logique

benchmark

massification

reference

global

perdu

reactif

rentable

commercial structure

depenser

descendre

attentif

chiffre

feu

supporter+

atteindre

calculer

compter

diminuer

embeter

offrir

preter

tenir

industri

court

pire

erreur

ordre perte

annuel

compatible

energie

amundi

appel

benefice

acheter

aise

haut

superieur

centrale

echec

internationale

juge

optimum

profit

maintenir

transformer

back

betedirect

extreme

depart

masse

pied

somme

indication

rendu

exploiter

risque

euro

complexite

devoir+

diversite

engager

synergie

attendu

favorable

incroyable

clairement

forcement

devenir+

discours

egard

gaz

mets

officeimmobiliser

inscrire

peser

taire

sensib

apple

facturation

ingenierie

regalien

serbie

termiste

completement

homme

modele

niveau

performant

mutualis

tokyo

Classe n° 2Cette classe est formée de 883 unités, soit 43% des unités classées. Les mots significatifs de cette classe sont des termes tels que projet,

comite, coercitif, groupe, architect, gouvern.

Nuage et réseaux

Page 3 La valeur du khi2 indique la force du lien entre la forme et la classe

Mots significatifs Extrait des unités en fonction des mots significatifs

• on fait partie du club bigdata, et la-dessus on capitalise pas mal dans les deux sens. on est en train de chercher une solution de datawise pour nos projets

de reporting, donc on a travaille avec l equipe architecture groupe , on est en

preuve de concept , et on partage nos retours d experiences.

• et qu il fallait qu ils viennent vers les architectes pour regarder ensemble

les solutions groupe et que ca pouvait etre un levier. ensuite, il nous a suffi d

avoir un ou deux bons retours d experience, pour-que cela commence a se diffuser

un peu, que les personnes disent: ah en deux mois vous aviez mis en-place la

solution, ah vous etes allez vite

• C est un accelerateur, un gain de temps. non car on ne ressent pas le

coercitif . je n ai pas vu beaucoup de projets arretes par les organes de

gouvernance du groupe .

• quand on nous propose de participer a des ateliers, quand on me dit, ce serait

bien-que tu envoies ton architecte pour participer. il fait trois ateliers mais il

me dit, bon aller a montrouge ou saint quentin pendant quatre heures et j en suis

a mon huitieme atelier et puis on est en train de discuter le fait que peut-etre,

la norme ,

• il-y-a donc eu des echanges, des reunions entre les chefs de projets SI pour

voir ce qu on mettait en œuvre. il-y-a eu aussi sur l OFACC, il-y-a eu un partage

entre les DSI pour avancer sur ce sujet et suivant la gouvernance de chaque

entite, c etait plus ou moins avance.

• regardez les solutions groupe donc a chaque fois on a pose le sujet en ce sens,

on a communique, acculture, on a fait des communications aupres de nos equipes , de

nos managers, leur expliquer pourquoi cela avait du sens d aller vers le groupe ,

• moi quand j allais dans les comites d architecture groupe , on voyait chaque

entite se debrouiller pour trouver son outil. apres il-y-a eu la demarche sur l

outil de filtrage, donc la il va y avoir une solution groupe , elle se met en œuvre

mais sur toute la phase en amont, il a fallu se debrouiller.

• il-y-a eu des travaux/ un moment donne sur le bigdata. J ai l impression que

cela se passe tres en/ amont, il-y-a des sujets nouveaux, on discute avec le

groupe , il-y-a un groupe / de travail qui se monte, on y va, et puis a un moment

donne il-y-a une entite/ qui est un petit peu en avance,

• on est dans vraiment dans un mode de partage , d echange, de co construction et

donc le mimetisme rentre bien dans cette demarche la. on y rentre en-tout-cas, de

ce-que j ai vu, dire voila, il-y-a CACF, PACIFICA qui ont fait ca, donc en une

heure, il-y-a des experiences qui ont ete partagees, on choisit la solution.

• du coup comme on voulait aller vite sur le sujet , voir ce-que cela pouvait nous

apporter, en trois mois on a fait un proof of concept , on a montre que cela

fonctionnait et on lance aujourd hui en/ production

• la par-exemple il-y-a eu une bonne collaboration entre les equipes chez nous et

CACF qui travaillent sur le bigdata avec des retours d experiences notamment. nous



projet 17446comite 4141coercitif 5038groupe 53835architect 5333gouvern 6631mimet 3529equipe 7529travail 11523contribuer 2321choix 7020norme+ 6019normatif 2019choisi 2518bonne 5717organe 1417convergence 5217jeu 1516lance 2516concept 1516co 1315sujet 14715partage 3915reunion 1215decision 2515securite 7715animation 1215participe 2215impression 2015accord 3014passer 3914pilote 1114*N_1 45218*11 8712*Extra 3165*5 663*F 5433*11 243*8 612*Fus 5822


systeme 38-68metier 31-51cout 12-44banque 0-40economies 6-40client 2-39*DSI 431-18*10 35-7*4 33-4

groupefaire

entitefaitvoir

aller

gouvernremonter

dire+

equipe

mettre

gros

travail

menersolution

moistempsanniveau

sujet

projet

groupearchitectparticipe

fait

entite

securitesemaine

aujourd

different

hui

commun

aller

technique

travailfaire

vraiparlerconvergencegouvern

infrastructure

comite

projetcomite

coercitif

groupe

architectgouvernequipemimet

travail

contribuer

choix

normatif

norme+

choisi

organe

bonneconvergence

concept

jeu

lance

sujet

impression

partage

participe

reunion

securiteanimation

decisionco

accord

pilote

reponse

decider

imposer

passer

prendre

mecanismes

tempschoisir

essayer

poser

amont

debatmois

animer

appliquer

intellig

utile

gens

avancer

expliquer

voir

passe

reportingregulier

sain

chef

idee

solution

table

train

adopterinciter

responsa

challenge

content

coup

demarche

etape

preuve

savoir+

appeler

collaborer

comprendre

embarquer

arrete

decide

mur

vrai

club

heure

initiative

personne+

travaux

interesser

laisser

mener

presenter

proposer

repartir

archivage

bigdata

devops

manager

of proof

œuvre

obligatoire

vraiment

retour

accelerer

demander

venir

ferme

negatif

parfait

quotidien

social

collegue

conviction

exercice

fenetreliberte

moment

mot

occasion

semaine capitaliser

debrouiller

piloter

preconiser

ralentir

rencontrer

ressentir

compris

souple

robot

directeurrigide+

notamment

blanc

bouge

effort

garde

levier

orientationplante

poids

point+

programme

realisationregle

seminaire

seuil

tour

adapter

apporter

contraindre

controler

donner

Classe n° 3Cette classe est constituée de 684 unités, soit 36% des unités classées. Les mots significatifs de cette classe sont des termes tels que systeme,

metier, information, reglementer, client, banque.

Nuage et réseaux

Page 4 La valeur du khi2 indique la force du lien entre la forme et la classe

Mots significatifs Extrait des unités en fonction des mots significatifs

• nous sommes obliges d avoir cette standardisation qui permet l interoperabilite

sans developper a chaque fois des choses totalement differentes les uns des

autres. le plus simple c est de partir par le bas et plus on monte, plus c est

complique. le bas ce sont les couches techniques , l infrastructure , l hebergement

des systemes .

• en-plus-de cela, les applications sont tres integrees dans les processus metier

et le logiciel implemente aussi des processus , la maniere dont le processus octroi

les credits est tres differente dans les entites donc c est plus complique pour

rapprocher des systemes qui ne sont pas construits pour fonctionner ensemble

• pour la couche logicielle, cela depend aussi de la partie urbanisation des

systemes d information . je reste sur mon exemple des credits immobiliers, au sein

de LCL c est un progiciel, donc c est une application qui est bien urbanisee dans

le systeme d information , les interfaces sont clairement identifiees, il-y-a des

echanges de services,

• dans un univers tel que celui-la et continuer a degager de la capacite d

investissement et continuer d innover. apres il est aussi drive par le client ,

nous on est tres oriente produit, le systeme d information se decline sous une

organisation produit dans le groupe

• on pourrait avoir la meme chose sur les ressources humaines. partager des

outils sans avoir des processus associes, c est contre productif en matiere de

standardisation . apres nos metiers sont quand-meme differents , on cree des

systemes d information pour accompagner des ambitions de developpement de nos

metiers .

• apres organisationnellement, est-ce qu il faut aligner les organisations , j ai

du mal a y croire. est-ce qu il faut aligner les processus , la facon d integrer,

la facon de developper etc

• C est avant tout l organisation dans notre cas. notre SI doit evoluer pour

integrer toutes les transformations issues de la revolution digitale. notre SI est

trop monolithique et notre systeme avec le legacy de plus-de 20 ans d age, il faut

qu on arrive a le decupler

• de fichiers et tout cela est bien decrit. au sein des caisses par-exemple, c

est une application qui est plus integree au systeme d information , les interfaces

sont moins urbanisees tout simplement.

• je ne pense pas que la standardisation / soit un frein a l innovation. ce-que l

on standardise souvent ce sont les/ couches basses des systemes , les traitements

de masse. quand on innove, on est/ plutot sur quelque-chose de tres specifique , c

est pour se differencier donc je/ pense qu on n adresse pas les meme sujets, les

memes fonctions.

• je-pense/ que l innovation peut se greffer sur des systemes standardises et

probablement/ c est meme plus simple que s il faut greffer des systemes innovants

sur des/ choses tres specifiques que personne ne connait



systeme 192159metier 13879information 10475reglementer 4456client 4849banque 4548applica 7748standard 20945donnee 4043concurrent 3740gestion 3439interoperabilite 2239caisse 4234different 9734processus 6234bancaire 3032informatique 7231specifique 2430base 2327credit 1627organisation 3825couche 2024assur 3823regional 2323technique 3123cœur 2221nouvel 3220internet 1019exterieur 1419infrastructure 5919site 918rester 3018*DSI 43234*f 32620*7 7016*18 4314*IntraExtra 35414*4 469*Crea 2738*17 636


groupe 200-44choix 11-22gagner 4-21comite 0-18prix 0-17equipe 14-17*N_1 252-34*10 35-22*F 358-20

information

standard

faire

different

groupe

aller entitefait

metier

dire+

specifique

seul

gestion

informatiquecommuniquer

interoperabiliteapplicachosecommun

utiliser

systeme

groupe

processus

fairealler

different

cœur

standardfait

entite

chose

systeme

informatique

ligne

dire+

infrastructure

banqueprojetproblemassur

applica

metier

systememetier

information

reglementer

client

banque

applica

standard

donnee

concurrentgestion

interoperabilite

caisse

processus

different

bancaire

informatique

specifique

credit

base

organisation

couche

regionalassur

technique

cœur

nouvel

exterieur

infrastructure

internet

site

innover

rester

probable

interface

reglementaire

developpement

immobilier

commune

branchercommercialiser

regrouper

core

developper

consommer

deployer

produire

electron

grand

prise

titre

gerer

operer

technolog

large

plansimple

ligne

partenaire

construire

protocol

obsolesc

digital

bout

facilite

integrer

ambition

fonction

paie

parcours

produit

service

signature

traitement

univers

former

specialiser

ancien

banking

drive

mainframemodel

multi

workflow

paiement

garder

peripheri

progiciel

fondamental

fortune

leger

moteur

autrement

ecran

front

laboratoire

minimum

plateforme

couter

creer

disposer

encadrer

grossir

norme+

tech mobile

particulier

brique

chose

dette

fin+

maison

theme

dependre

conscience

consommation

historique

transformation

implement

interoper

referentiel

regulateur

securis

interne

facilement

acces

carcandose

flux

marche

matiere

rapprochement

rupture

usine

arriver

consolider

distribuer

exposer

permettre

fluide

lourd

politique

urbanisation

evolutif

facile

fort+immediat

pratique

culture

Analyse factorielle en corrélations Analyse factorielle en coordonnées Analyse factorielle en contributions

Extrait du dictionnaire du corpus trié par ordre alphabétique, avec les effectifs réels des mots dans le corpus

IMAGE - Alceste Education Nombre de formes réduites distinctes rapporté au nombre total de formes réduites *©

53%

47%

couteconomiserprix

gagner

cher

projet

comite

coercitif

groupe

architect

systememetier

informationreglementer

client

53%

47%

couteconomiser

prix

gagnercher

projet

comitecoercitif

groupe

architect

systememetier

informationreglementer

client

53%

47%

couteconomiser

prixgagner

cher

projet

comitecoercitif

groupe

architect

systeme

metierinformationreglementerclient

Mot analysé Effectif

accord 49achat 52action 85aller 800

an 104annee 69applica 146appliquer 59apporter 48architect 79arriver 140assur 79aujourd 175avancer 87banque 70besoin 126bonne 118budget 55caisse 70capacite 51cas 72changer 57cher 79chercher 46choix 134chose 305client 83coercitif 70comite 53commun 179


commune 57competent 55compliquer 104comptable 46compte 92concurrent 53contrainte 61convergence 102cote 94coup 78cout 165creer 66demander 95demarche 57developper 94different 202difficile 45digital 45dire+ 277direction 51donnee 60donner 117echange 85echelle 45economies 100egalement 49enjeu 62ensemble 92entite 694

entreprise 58


equipe 137essayer 79etude 55exemple 100exister 56experience 63facon 67faire 896

fait 625filial 190fois 124fonctionner 93forcement 66fournisseur 46gagner 107general 45gens 53gerer 89gestion 52global 59gouvern 121grand 60gros 120groupe 1306

hui 175impact 44important 101imposer 65information 172informatique 164


infrastructu 180innover 122integrer 53interessant 54interet 51interne 56investir 74maniere 50marche 81meilleur 55metier 269mettre 313mise 88mode 46modele 52mois 46moment 58monde 171moyen 67mutualis 84niveau 166nombre 48norme+ 143notamment 58nouvel 59objectif 59offre 47operat 55organisation 72outils 196


parler 85part 52partage 63partager 56partie 72passe 72passer 63penser 56permettre 106personne+ 78petit 130poser 71possible 53pouvoir+ 67premier 66prendre 230problem 157processus 126productif 47produit 59projet 331qualite 45question 110rapide 51regarder 82regle 49reglementer 62remonter 54repondre 61ressource 46


rester 65risque 64savoir+ 47securite 163sein 60sens 108service 90seul 104simple 49solution 387standard 524strategie 87structure 66sujet 344systeme 299taille 59technique 61technolog 96temps 174terme 99travail 212trouver 126truc 74utiliser 110valeur 49venir 80voir 295vrai 120vraiment 84œuvre 48

Classification ascendante sur le corpus Individus les plus représentatifs par classe

Individus les plus représentatifs par classe

Abscisse : Numéro de l'individu - Ordonnée : Khi2 de l'individu.© IMAGE - Alceste Education

Individu Richesse Libellé des variables signalétiques

Classe 1

28

28 69 % N_1 F 16 Inter Extra Fus

negociertarifcoutressourcecher

4

4 65 % DSI F 3 Inter IntraExtra Fus

gagnereconomiesprixnegociercout

2

2 66 % DSI F 2 Nat Intra Crea

coutprixchereffetqualite

3

3 70 % N_1 F 2 Nat Intra Crea

couteconomiesprixchergagner

8


gagnerressourceeconomiescoutcher

Classe 2

20

20 67 % N_1 F 11 Nat Extra Fus

travailprojetarchitectmimetequipe

13

13 65 % N_1 f 7 Nat Extra Crea

travailprojetarchitectgouverncomite

7

7 62 % N_1 f 4 Inter IntraExtra Crea

travailprojetequipecoercitifgouvern

Classe 3

12

12 70 % DSI f 7 Nat Extra Crea

systemeinformationstandardapplicametier

6

6 66 % DSI f 4 Inter IntraExtra Crea

standardsystememetierinformationbanque

31

31 66 % DSI F 18 Inter IntraExtra Crea

banqueinformationreglementerclientapplica

16


metiersystemebanqueclientinformation

29


informationdonneeapplicareglementerclient

17

17 68 % DSI f 10 Nat IntraExtra Fus

systemeinformationmetierconcurrentreglementer

groupe1306

faire896

aller800

fait625

standard524

solution387

sujet344

projet331

mettre313

chose305

systeme299

voir295

dire0

metier269

prendre230

travail212

different202

filial190

infrastructu180

commun179

temps174

information172

niveau166

cout165

informatique164

securite163

problem157

applica146

norme0

arriver140

equipe137choix134

petit130

besoin126

processus126

innover122

gouvern121

gros120

vrai120

bonne118

donner117

question110

utiliser110

gagner107

permettre106

an104

compliquer104

convergence102

important101

exemple100

Effectif Mot analysé

Annexe 7 - Plan Moyen long Terme Crédit Agricole 2020

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Nous avons de vrais points de force face à cet environnement.

N O T R E G R O U P E D A N S U N C O N T E X T E D E C H A N G E M E N T S

se transforme

BUP

L’évolution de l’environnement du groupe : un changement de paradigme.Une relation globale et durable.1

Une distribution 100 % multicanale.2

3

B U P

HUMAIN

100%

300 parcours clients

redesignés dans l’ensemble

du groupe

Un investissement stratégique sur la relation client.

Un partenaire qui accompagne chaque client dans la durée et de façon globale et personnalisée

Un partenaire qui aide chaque

client à bien décider

Un partenaire qui sait se réinventer en permanence pour simplifier et faciliter

la vie et les projets des clients

Un investissement stratégique dans

la conformité

Nos ambitionsde banque

coopérative

DÉPLOYER UN PROJET CLIENT AMBITIEUX, AMPLIFIÉ PAR LA RÉVOLUTION DU DIGITAL

10 à 15 minutesmaximum pour

ouvrir un compte en banque

Nous faisons le choix d’être une banque véritablement multicanale, à la fois 100 % digitale et 100 % humaine, pour plus de valeur ajoutée au service de nos clients

Une nouvelle promesse : nous affirmer comme les vrais partenaires de nos clients.

*DQLELRP#!"#$"%&'()*+,-,-GL

A C C É L É R E R N O T R E D Y N A M I Q U E D E C R O I S S A N C E

Accroître les synergies entre nos métiers et développer nos relais de croissance.

Faire croître nos métiers.

et mer

Un programme d’investissement

ambitieux pour préparer l ’avenir.

Les femmes et les hommes du groupe.

Un programme d’efficacité

opérationnelle pour CASA.

T R A N S F O R M E R N O T R E G R O U P E P O U R A M É L I O R E R D U R A B L E M E N T N O T R E E F F I C A C I T É I N D U S T R I E L L E

U N E N O U V E L L E O R G A N I S A T I O N C A P I T A L I S T I Q U E

– 6 %sur le coefficient

d’exploitation de CASA à horizon 2019

7,7 Md€d’investissements cumulés sur 4 ans

Amélioration de la qualité du capital

Retour dès le résultat 2016 du dividende en numéraire

Atteinte immédiate de l’objectif de CET1 non phasé de 11 %

POUR CRÉDIT AGRICOLE SA

Une mutualisation accrue de leurs résultats

POUR LES CAISSES RÉGIONALES

Leur statut coopératif renforcé

L e s é l u s .

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1. Présentation de la Gouvernance SI Groupe

Synthèse 19/10/2016

An

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01

6

2 2 19/10/2016

Principes et objectifs

de la nouvelle gouvernance

3 3 19/10/2016

Principes généraux

Tout ce qui est présenté ici doit être considéré comme étant en aval des décisions métiers et

service de ces derniers.

.

comment

que cela fait du sens.

transversal, ce qui est mutualisable, ou qui a de fortes

traiter par les métiers.

Un des objectifs majeurs est également de favoriser le regard croisé au niveau DG pour faciliter la

cohérence et arbitrer les interdépendances entre les grands projets.

4 4 19/10/2016

Exemples de questions clés à résoudre

Quelle doit être la position du Groupe Crédit Agricole vis-à-vis de grands enjeux techniques tels que

le « Cloud », les logiciels « as a service

Comment optimiser la stratégie de sourcing du Groupe Crédit Agricole ?

Comment garantir une parfaite coordination entre les différents acteurs du Groupe Crédit Agricole

sur les grands projets transverses.

Peut-on partager un objectif clair de standardisation des applications du Groupe Crédit Agricole qui

plusieurs entités du Groupe Crédit Agricole ?

5 5 19/10/2016

Les instances de Gouvernance SI Groupe

6 6 19/10/2016

La mise en place de nouvelles instances SI Groupe répond à 6 objectifs

Favoriser le jeu croisé et le jeu collectif entre les Entités (CASA, filiales de CASA, CATS, CRCA)

Focaliser le temps des dirigeants du Groupe sur les sujets SI critiques nécessitant une

attention managériale forte ou présentant des enjeux de coordination importants au niveau du Groupe

Apporter aux dirigeants les moyens de pilotage leur permettant de prendre les décisions de leur

ressort

Instruire, au niveau du Groupe, des sujets SI structurants et transformants "sur le comment"

Assurer la robustesse des solutions techniques du Groupe, en formalisant les étapes et le

contenu du processus d'instruction des projets et solutions au niveau Groupe

Mettre en place une gouvernance resserrée, de niveau Groupe, sur les programmes et projets transverses

7 7 19/10/2016

Articulation des instances de Gouvernance SI Groupe

Instance faîtière COSI1

CSIG3 COPI2

Instances spécialisées

Instances opérationnelles

Instance d'orientation

Infrastructure Convergence Applicative4 Architecture

Comité des DSI

Composition Macro-schéma des instances SI Groupe

Représentation paritaire CATS / CASA

(de niveau DG)

COPI paritaire (de niveau DGA),

agissant sur délégation du COSI

CSIG (instruction des sujets SI

structurants pour le Groupe)

Comité élargi à l'ensemble des DSI du Groupe

Création de 3 instances Groupe (dont Infra & Archi : co-présidence CASA

CATS)

La composition des comités est définie de telle sorte à assurer la représentativité de l'ensemble des Entités du Groupe

1. COSI = Comité d'Orientation Stratégique Informatique 2. COPI = Comité de Pilotage Informatique 3. CSIG = Comité SI Groupe 4. Comité temporaire mis en place dans le cadre du PMT

8 8 19/10/2016

Missions résumées des comités SI Groupe

Instances faîtières

COSI

Valider la stratégie technique et de moyens et la vision à moyen terme des SI du Groupe

Valider les modalités techniques pour le lancement et assurer le suivi actif des projets SI transverses majeurs

Consolider et suivre une vision globale des investissements / dépenses SI

Instances opération-

nelles

CSIG

Définir des orientations sur la stratégie technique et de moyens du Groupe et la vision à moyen terme des SI du Groupe, proposées ensuite au COSI pour validation

chantiers SI du PMT

Suivre la dépense SI Groupe

COPI Valider les modalités techniques pour le lancement et assurer le suivi actif des projets SI transverses majeurs

non éligibles au COSI

Instances d'orientation

Comité des DSI

Animer la filière des DSI du Groupe et assurer la circulation d'information sur les sujets clés

Participer à la des orientations stratégiques validées

par le COSI et/ou le CSIG

Instances spécialisées

Architecture

Infrastructure

Définir les orientations relatives à la convergence technique, fonctionnelle et applicative de niveau Groupe

Valider les principes et normes Groupe relatives aux infrastructures de production / à l'architecture

Préciser le volet infrastructure de production / architecture que le sponsor de tout nouveau projet SI transverse

doit instruire en amont de la présentation au COSI / COPI

Convergence applicative

Identifier et instruire les opportunités de mutualisation applicatives

cadre du PMT

9 9 19/10/2016

Articulation avec les instances faîtières Achats et Sécurité Groupe

COSA (Achats)

COSI

les fournisseurs SI

Comité Sécurité Groupe (CSG)

CSIG

Le CSIG instruit les dossiers stratégiques pour le compte du

COSI, et transmet ses propositions au COSI pour décision

Le COSI et le CSIG jouent un rôle de prescripteur dans l'instruction des besoins SI, ou la sélection des fournisseurs

Le COSA choisit et pilote la stratégie d'engagement avec les fournisseurs SI

Le CSG détermine les projets régaliens de sécurité du Groupe, non arbitrables par une autre instance

En particulier, l'ensemble des orientations et projets relevant de la sécurité SI sont adressés par le CSG, qui joue un rôle de prescripteur auprès du COSI

10 10 19/10/2016

Lancement et suivi des projets SI transverses

11 11 19/10/2016

3 types de projets SI identifiés comme "transverses" nécessitent un suivi Groupe

IFRS 9 DigiConso (CACF / LCL et

Caisses Régionales) 3PG

Newport (CACEIS / Amundi, CAA)

Décommissionnement RICOS (CACIB, CASA) Il

lus

tra

tio

n

Projets règlementaires Projets à effets collatéraux Projets multi-Entités

Projets initiés par une décision de niveau Groupe, en particulier

sur les fonctions régaliennes (Conformité, Risques, Finance)

Implication d'au moins deux Entités de CASA (Holding et/ou

filiales) et / ou des Caisses régionales distinctes dans le lancement et la mise en du

projet

Projets initiés par un producteur nécessitant une

coordination avec le distributeur (ou inversement)

Projet impactant directement ou indirectement l'exécution

d'autres projets ou processus au sein d'autres Entités

12 12 19/10/2016

120 projets transverses seront suivis au niveau Groupe

118

Projets à effets collatéraux Projets multi-Entités

43 (36%)

Projets règlementaires

64

(54%)

Total projets transverses

11

(9%)

Segmentation des projets transverses identifiés à date par typologie (nombre de projets)

1. Prise en compte du budget 2016 pour les projets dont le budget pluriannuel n'est pas disponible à date (en cours de spécification avec les Entités) excluant des projets en cours de finalisation (CRRV4, New Sesame, et Portail Collaborateur des Caisses Régionales) Source : Analyses préliminaires préparées par l'équipe Gestion Projets Groupe de la DSI Groupe, Entretiens avec les Directions SI des Entités Note : Le terme d'Entités englobe les Filiales CASA et les 39 Caisses Régionales (considérées comme une Entité unique)

331 137 226 694 Budget pluri-annuel1 total (M )

Exemple IFRS9, PALMA... DigiConso Newport...

13 13 19/10/2016

Les projets seront segmentés selon des critères de taille,

de portée stratégique et de niveau de risque

COSI

COPI

Petits projets

Taille du projet

~15 M

~5 M 1

Portée stratégique / niveau de risque

2 +

+ Critère de taille

Focalisation du COSI sur les projets ayant

les budgets pluriannuels les plus substantiels

Critère de portée stratégique et niveau de risque

Au-delà de la taille, focalisation du COSI / COPI

sur les projets répondant à un fort enjeu

stratégique (PNB / coûts, impacts sur

l'expérience clients, impacts sur les processus

opérationnel)

1

2

14 14 19/10/2016

Lancement des projets SI transverses

1. GPG : Gestion des Projets Groupe

Nature du suivi : Circuit simplifié

et instruction professionnalisée

Pour chaque projet transverse, la décision sur les modalités techniques pour le

lancement est instruite dans un seul comité de niveau Groupe, et c'est le même

comité qui en assure ensuite le suivi, sans se substituer à la gouvernance projet

Chaque projet transverse est instruit "nativement Groupe", afin d'assurer une

adéquation avec la feuille de route SI Groupe

Pour fournir toutes les clés de décision aux dirigeants du Groupe, des dossiers d'instruction normés sont préparés par les Sponsors des projets, avec l'appui de

l'équipe CASA/SIG/Gestion des Projets Groupe1

Avant les COSI et COPI, deux rôles essentiels : Vérifier la complétude du dossier (budget complet, ROI, planning, explicitation de la solution

choisie, analyse des risques...)

S'assurer que les volets techniques du dossier auront reçu les 6 "feux verts" des représentants des instances spécialisées (architecture, infrastructure, convergence

applicative, sécurité, achats, feuille de route SI)

15 15 19/10/2016

Dossier de suivi (~4 p) qui met en avant les avancées, risques,

les décisions attendues

Parcours des projets SI transverses

Spécifications et développements

Le programme / projet est instruit "nativement Groupe"

Une fois la phase d'étude complétée, le COSI ou le

COPI seront sollicités pour valider les modalités

techniques pour le lancement effectif du projet

Un dossier de présentation sera constitué par

l'équipe projet sous la supervision du Sponsor

L'équipe Gestion Projets Groupe en vérifie la

complétude et la qualité

Préparation du dossier de lancement (5-10p.) présentant

de manière détaillée le projet

Validation du lancement projet par le COSI / COPI

Suivi Semestre 1

Suivi Semestre 2

Proposition Etude et cadrage

Le suivi sera assuré par l'instance de validation, sauf pour les projets éligibles à la « procédure légère »

Tableau de bord de l'ensemble des projets présenté

systématiquement

Zoom sur les projets en alerte

Zoom sur chaque projet tous les 6 mois

Le lancement de l'Etude est validé au niveau de l'Entité Pilote

Le COSI peut être informé en cas de lancement d'une étude majeure

e.g. lancement de

l'étude IFRS9

16 16 19/10/2016

complétude et la cohérence avec les mandats régaliens SI Groupe

Description du projet

Conduite du projet

Complétude du volet financier

6 "Feux verts"

1

2

3

4

Structure du dossier

Convergence Appli.

Sécurité

Achats

Infrastructure

Architecture

Feuille de route SI

Préparation équipes SIG/GPG

Vérification de la complétude du dossier

Vérification que les volets techniques du dossier ont reçu les 6 "feux verts" des représentants des

instances spécialisées

1. en lien avec la Gouvernance sécurité SI

Description du contexte, des objectifs et enjeux du projet

Description de la solution (fonctionnalités, choix techniques...)

Contribution du projet / programme au PMT du Groupe

Eléments de conduite du projet (sponsor, équipe, gouvernance,

planning, lots, budget, plan de charge, risques identifiés, ...)

Budget en coûts complets, de bout en bout

Contingence adaptée au projet définie

Engagement de ROI

Entités adhérentes et évaluation des options de financement

Cohérence avec la feuille de route SI du Groupe et adhérences avec

d'autres projets / programmes (déjà lancés ou à venir)

Adéquation avec les exigences du Groupe (politique, standards,

procédures ...) sur les volets infrastructure, architecture, convergence

applicative, sécurité1, achats

Avis et / ou recommandations émis par les responsables de niveau

Groupe sur les volets techniques (infrastructure, architecture, sécurité)

17 17 19/10/2016

Annexes

18 18 19/10/2016

Glossaire des acronymes utilisés dans le document

Entités

CASA : Crédit Agricole S.A.

CATS : Crédit Agricole Technologie & Services

CRCA : Caisses Régionales du Crédit Agricole

FNCA : Fédération Nationale du Crédit Agricole

SIG : Systèmes d'Information Groupe

Instances

COPI : Comité de Pilotage Informatique

COSA : Comité d'Orientation Stratégique Achats

COSI : Comité d'Orientation Stratégique Informatique

CPAEG : Comité de Pilotage Architecture Entreprise Groupe

CSG : Comité de Pilotage Sécurité Groupe

CSIG : Comité des Systèmes d'Information Groupe

GII : Comité de Gouvernance Informatique et Industrielle

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standardisation des systèmes d’information: application

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