Service Transformation

Even as crypto-currency rates collapse, Blockchain technology continues to attract attention, particularly from the financial industry. Over the next few years, investment strategies in this technology will continue to grow, particularly in the form of equity investments in young people.

  Last December, ObSoCo published, in collaboration with Jean-Laurent Cassely (1), a study on young urban working graduates. At the intersection of young, urban, graduate populations and higher socio-professional categories, members of the young creative urban class cumulate (2) a number of socio-demographic traits that make them

Retailers are experts in organic evolutions! From brick and mortar to pure player, via m- or s-commerce, they are agile and adaptable. They are becoming more and more "smart". For their part, consumers are not to be outdone and are taking advantage of

While the president of Carrefour, Alexandre Bompard, announces the elimination of 2400 jobs and the injection of 2.8 billion euros in digital, at the same time, Amazon, the world leader in e-commerce opens its first mini-mart. Not just any mini-mart; a sensor-covered mini-mart in which customers make

Driven by the continuous progress of digital technologies, the on-demand economy is now developing at high speed and is gradually spreading to all sectors of industry and services. To stay in the race, all companies, whatever their size, must therefore

No one has yet managed to "flip the table" because of the enormous barrier to entry that the creation of a "real" bank requires. With a lot of cash, will Fintech manage to break into the banks' vaults? By Pierre-Antoine Dusoulier, founder of iBanFirst. While Orange

Have you heard of Black Friday, the commercial operation that has been following Thanksgiving in the United States for ages, encouraging millions of Americans to buy at attractive prices? A commercial phenomenon aimed at consumption ... Here is now the "Green Friday"! An operation to raise awareness of alternatives to consumption

Intelligent shopping is currently taking shape in Paris at the Paris Retail Week trade show: How are shops being renewed to satisfy all the desires of increasingly demanding customers? How to make shopping more human? Or how to turn salespeople into real ambassadors (renewal

Over the past decade, a growing number of economists and psychologists have been examining the drivers of happiness, or at least "subjective well-being". They generally converge around the idea that, beyond a certain threshold, consuming more does not make you happy.

The disruptive potential of Artificial Intelligences directly questions all economic actors in their diversity, be it banking, insurance, trade, tourism, etc.. The creation of an Observatory of the French people's relationship with Artificial Intelligence by the Observatoire Société et Consommation (ObSoCo) is intended to explore the structuring trends of artificial intelligence.

Professional recommendation platforms are in vogue. Here is one dedicated to artisans. Both a search and recommendation tool for building and landscape professionals for the general public, and a new business development model for artisans. A subscription-based solution, without

The digital revolution has redefined the business models of the banking industry. The web no longer distributes only traditional banking products: it allows many players to create their own banking offer that is changing the codes of the sector. In the midst of conquering the

The digital wave of AI and robotics is affecting all sectors of the economy, including those thought to be most immune to the sirens of high-tech. Lawyers are going through a transformation, if not a revolution. Digital, big data and even blockchaining are entering into

On January 16, there was an article in Les Echos entitled: "La vente à l'ère du phygital" (Selling in the age of phygital). Phygital" is a word suitcase that describes the rapprochement between the physical and digital worlds in the field of distribution. The "pure players" (web salesmen) and the classic shops are

The promotional video is dreamy. The setting: a small supermarket like there is on every street corner in our cities. The customer enters, badges his smartphone, chooses the products he wants from the shelves, puts them in his shopping bag and leaves the store. Not

After a successful first season, Unibail-Rodamco, the European leader in commercial real estate, has selected six new startups for its UR Link support programme, in partnership with NUMA. They will thus be able to develop and test their solutions in the Group's shopping centres. An open innovation strategy that the Group is accelerating by investing

Surveys on customer satisfaction in banks follow one another and, unfortunately, their results are similar: the French are not happy with their bank. According to one of the latest surveys conducted by Ipsos Game Changers and Trusteam Finance in June 2016 (1), only 1 French person in