Internet

E-commerce figures are spectacular. The number of on-line buyers increases  by  4 times as fast that the number of Internet users, representing more than an Internet user  out  two today.

Crédit Agricole Consumer Finance develops a double approach  regarding its  Internet  strategy  :

A direct sales strategy  via the websites www.sofinco.fr and www.finaref.fr; Crédit Agricole Consumer Finance  began focusing on the web as a distribution channel back in 1997, and in 2001 became the first lender in France to offer immediate online pre-acceptance. In 2008, applications for personal loans on  www.sofinco.fr accounted for nearly 50% of total applications for personal loans on Sofinco’s sales network, compared with 44% in 2007.

Finaref consolidated its approach in 2008 by humanizing Web (never leave an only customer in front of internet), via in particular Web call-back. A proactive method which allows to optimize the rates of realization prospect-customer, and to the Internet user to feel taken care. We can also access the site www.finaref.fr via its mobile phone, with at any time the opportunity to activate the function " click to call " to fall over in vocal mode towards a sales advisor.

Online direct sales is also a very strong sector outside France, the vast majority of Credit Agricole Consumer Finance subsidiaries offer online loans. For example our German subsidiary Creditplus, which has been online since 1998 is also a pioneer and leader on its market.

A market strategy  :drawing on the point-of-sale finance model, since 2002 Crédit Agricole Consumer Finance has offered online stores a lending module that is totally integrated into their online selling sytems.

Since 2002, Crédit Agricole Consumer Finance has been developing solutions adapted to e-commerce sites : finance modules that can be directly incorporated into their website : single data entry, immediate preacceptance, printable loan offer.

ReceiveAndPay is a totally secure online payment  tool , which has assuaged any lingering concerns about online transactions, through an entirely new array of services and guarantees : 

• for consumer: the buyer only makes the payment after receiving the order and the check of its compliance with regard to its description on Internet.
• for e-trader: ReceiveAndPay is the first guaranted payment method that ensures totally secure online credit card payments, based on Fia-Net's order analysis and insurance system: in the event of subsequent nonpayment, the online store retains the amount of the purchase.