Credit Agricole is the first bank group in France owning 28% of the household market. This group is also the first in Europe regarding revenues of retailing banks and the fourth group in the world concerning the equity level. Leader of the proximity banks in France with 39 local funds or region banks, the Credit Agricole reinforced all its activities by the acquisition of Credit Lyonnais known as LCL now, in 2003. This organization allows Credit Agricole to be decentralized, its financial, business, and juridical cohesion goes with the decentralization of responsibilities. In France, Credit Agricole is the last bank group which uses Internet services for customers. But the company wants to gap an upper level comparing to the competitors. So they work on an e-bank specialized on e-payments project.
[...] - The evolution of technological security processes and attacks are too fast for an internal department of company composed on a low number of employees. So the best thing to do would be to hire an external company specialised in network securities but the costs will be higher. The other thing would be to make an acquisition of a company of this domain, but it is also too expensive. So Credit Agricole will have to pay attention on who it will hire and maybe create two teams: one for the day and one for the night. [...]
[...] The financial support of clients will probably made using monthly access right subscriptions. More internet – less physical banks usings One of the main advantages for the customer is the fact that it could have access to his accounts and many operations from his home. And so, there is no paper to fill, no queues to wait: the customer will have the possibility to manage 24 hours per days per week his accounts. From this, the company will have to invest in the development of its network (technically, and on a safety point of view) to satisfy the rising number of users. [...]
[...] The problem is that only Credit Agricole could know which part has to be connected to any other. In consequence, the network would begin to look like that: the random network. Random network This is the most used model. The communication between two users is rarely direct because they are many intermediaries: this is a loss of time, money and efficiency. But at the end, when the network will be entirely set up, it will reach its maximum efficient level which will be the best level especially made for Credit Agricole. [...]
[...] This policy is defined at 40% by the Computing Department by the General Direction, and 21% by the General Security Department. The mains problems that could slow down the Computing Department in the maintenance of the network would be: - The general low availableness of the internal teams which could not work 24 hours per day and protect the network by night. - There are many lacks in front of the technological complexity: a lack of competences of the employees because the job market doesn't provide the suitable profiles anytime. [...]
[...] Of course Credit Agricole will have to adopt a security policy in front of its employees and customers: rules of using, access rights With this the company will have to be pay attention on the physical protection of the installations (fire, permanent electric supply, sabotages And this policy will require regular data saves in a safe virtual place. The link between the access point of the internal network from the public one (Internet) is primordial and some filter points will have to be set up, regularly checked and constantly monitored in order to detect any try of attack and of course to stop it before the creation of damage. The creation of computing department is also required. [...]
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