The gesture is symbolic: late February, American Express, number one credit card, suggested that some of its U.S. customers $ 300 to close their account. They had until February 28 to accept the offer and then have a month to repay credits for their reward. More question to offer air miles to obtain the favour of households, the reversal of conditions and the increase in incidents of payment prompted Amex sort among its customers and to get rid of some of those he considers the more risky.
At the same time, bankers and insurers look with interest microfinance initiatives trying to find a way to offer financial services to the most disadvantaged while avoiding train in the spiral of overindebtedness. The Macif experimented with a special insurance for seasonal workers whose resources are irregular and often moving. And the Cetelem has created a site, to help its customers to manage their budget.
Minidoses for miniprix
The violence of the crisis, poverty has become a subject for businesses. In 2002, at the height of the argentine crisis, while banks closed their doors because they could not cope with the demand of their customers, manufacturers of laundry had placed on the market of individual doses corresponding to the needs of a family on a week. "People no longer had the opportunity to purchase a large barrel." Began to find a few handfuls of laundry bags. Then 90 grams toothpaste tubes. "These products have not disappeared then, but they are beginning to return in force," says a resident of Buenos Aires. When the minisachet of laundry in Europe Side industrial, faced with the decline in sales, Europeans soapers currently chose conventional answers by product innovation, new gels, laundry greener and more concentrated. But, until March, for any purchase of a product brand Procter & Gamble, a meal will be offered in the restaurants of the heart. Danone fired the first by launching a "Eco pack" sold only in some stores last September. Not of carton packaging, advertising, only one format of 6 115 grams yoghurt pots against l25 usually. Yoplait recently proposed his "offer eco", a pack of yoghurts with a 1 euro coin-like logo.
"The crisis leads to rethinking the customer relationship." Manufacturers have developed more complex products. "Today we are going to a more simple offer", explains François General delegate Fatou Observatory on corporate social responsibility. For its part, counsel Betina Laville adds: "We take in the figure the fact of not having enough innovated on the social pillar of sustainable development."
The issue can become controversial. When dealing with clients the price-obsessed British supermarkets quickly developed discarded their green resolutions. Their new slogan: "feed your family for 5 pounds! The traditional pie meat or beans in box replaced the promotion of organic vegetables on the front of the gondolas. In the Japan, whose economy is experiencing a situation of stagnation for years, 100 yen stores flourish, even import all of their products from China. In France, since a few weeks, a debate was born around clearance stores. Hyperprimeur, Ecomalin, Bradeo, Stokomani, these warehouses located on the outskirts of the cities are the hard discount competitors. They buy unsold of the industrial or food products dates shorter consumption limits. The Direction of the competition has launched a campaign to control, but the noise is around these stores shows that they correspond to a request of a party of households which have difficulty completing the purposes of months. More traditional, Auchan has developed a RADIUS hard discount in its stores to meet the demand of its customers.
The alternative of leasing
Sell price broken is one track, others to think about the idea of differently on the market. Sophie Goldblum, consultant of the Accenture group, tells that, in the household appliance sector, some of its customers working on mechanisms of leasing or resale of products of second life. "There are households for which buy a washing machine has become too expensive, but it is unbearable for a family not to have." Find renovated and guaranteed opportunity products or rent a new unit sometime can be a solution. "For the Distributor, is a way to meet a need and establish long-term resources," she added. Remains to address the psychological aspects. European distributors await with curiosity to see how the Italians will agree to use the new map family. Fed each month in the amount of 40 euro, it shall allow the poorest to buy in the hypermarkets have signed an agreement with the Government. Must accept the idea of it.
They meet the needs of growing urbanizationPurchase and sale profits and losses of courseWhich explains the focus on the deposition rateHowever they retained some old reflexes of old6 of the capital of the group a little more than 50While quarterly net profit fell by 17 to 1Of the very attractive air one party 19This has not prevented some as BNP Paribas for EUR 1Balance on the design is not easy to findHere is the effect of a successful campaign
