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Home banking: an I.T.-based business strategy or a complementary distribution channel? Cortal vs. Crédit Commercial de France

Author: Jelassi, Tawfik ; Loebbecke, ClaudiaINSEAD Area: Technology and Operations ManagementPublisher: Fontainebleau : INSEAD, 1993.Language: EnglishDescription: 23 p.Type of document: INSEAD CaseAbstract: The case investigates the introduction and use of home banking services by two French banks: CORTAL, a "distant bank" with no branch offices, and Crédit Commercial de France, a world leader in the development of these services. It contrasts two managerial approaches to home banking: as being the foundation of a business strategy (CORTAL), and as a complementary distribution channel (CCF). Related implementation issues are addressed and future developments highlightedPedagogical Objectives: - Demonstrate electronic linkages between a firm and its business partners - Discuss management issues related to electronic data interchange - Compare EDI implementation strategies and possible choices for an EDI standard
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- Demonstrate electronic linkages between a firm and its business partners - Discuss management issues related to electronic data interchange - Compare EDI implementation strategies and possible choices for an EDI standard

The case investigates the introduction and use of home banking services by two French banks: CORTAL, a "distant bank" with no branch offices, and Crédit Commercial de France, a world leader in the development of these services. It contrasts two managerial approaches to home banking: as being the foundation of a business strategy (CORTAL), and as a complementary distribution channel (CCF). Related implementation issues are addressed and future developments highlighted

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