{"id":7332,"date":"2016-12-03T18:34:49","date_gmt":"2016-12-03T18:34:49","guid":{"rendered":"http:\/\/localhost:8080\/?p=7332"},"modified":"2016-12-03T18:34:49","modified_gmt":"2016-12-03T18:34:49","slug":"orange-bank-tous-bankable","status":"publish","type":"post","link":"https:\/\/dev.cfecgc-orange.app\/index.php\/2016\/12\/03\/orange-bank-tous-bankable\/","title":{"rendered":"Orange Bank : tous \u00ab\u00a0bankable\u00a0\u00bb ?"},"content":{"rendered":"<p style=\"margin-top: 6pt;\">Groupama Banque, dont Orange d&eacute;tient 65% du capital, sera rebaptis&eacute;e Orange Bank en janvier prochain. Au 1<sup>er<\/sup> semestre 2017, une offre de banque sur mobile, Orange Bank, sera propos&eacute;e &agrave; nos clients, avec une gamme de produits et services financiers (compte courant, &eacute;pargne, cr&eacute;dit &ndash; hors immobilier dans un premier temps) et d&rsquo;assurance. Au d&eacute;marrage, seule la &laquo;&nbsp;banque au quotidien&nbsp;&raquo; (compte courant) sera commercialis&eacute;e par Orange, les autres offres &eacute;tant vendues directement par Orange Bank. Les r&eacute;seaux Groupama et Gan continueront en parall&egrave;le &agrave; commercialiser sous la marque Groupama Banque.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\" size-full wp-image-7330\" src=\"http:\/\/localhost:8080\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg\" alt=\"orange cfe cgc exe num&eacute;risation exp&eacute;rience incomparable 480\" width=\"485\" height=\"536\" srcset=\"https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg 485w, https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480-271x300.jpg 271w\" sizes=\"(max-width: 485px) 100vw, 485px\" \/><\/p>\n<p>T&eacute;l&eacute;charger le tract en pdf : <a href=\"http:\/\/localhost:8080\/wp-content\/uploads\/2016\/12\/Tract_OrangeBank_decembre2016_def.pdf\" class=\"wf_file\"><img decoding=\"async\" src=\"http:\/\/localhost:8080\/wp-content\/uploads\/2010\/11\/pdf.png\" alt=\"pdf\" class=\"wf_file_icon\" style=\"border: 0px; vertical-align: middle;\" \/><span class=\"wf_file_text\">Tract OrangeBank decembre2016 def.pdf<\/span><\/a><\/p>\n<p><!--more--><\/p>\n<p>&nbsp;<\/p>\n<h2>Quel int&eacute;r&ecirc;t strat&eacute;gique pour Orange&nbsp;?<\/h2>\n<p>Bien que l&rsquo;usage des technologies de l&rsquo;information continue de cro&icirc;tre, le march&eacute; des t&eacute;l&eacute;communications europ&eacute;en stagne. En France, il a diminu&eacute; en valeur. Orange, qui n&rsquo;a pas d&rsquo;offre pour concurrencer les GAFA (Google, Apple, Facebook, Amazon), est concentr&eacute; sur 2 activit&eacute;s&nbsp;: op&eacute;rateur d&rsquo;infrastructures t&eacute;l&eacute;coms, et gestionnaire de relation client. En Afrique, Orange Money (porte-monnaie &eacute;lectronique) a s&eacute;duit 30 millions de clients, au sein d&rsquo;une population tr&egrave;s peu bancaris&eacute;e. En Pologne, Orange Finanse propose d&eacute;j&agrave; une offre de banque mobile&hellip; et les agences commercialisent aussi de l&rsquo;&eacute;lectricit&eacute;.<\/p>\n<p>Avec Orange Bank, la Direction ambitionne de devenir acteur du monde bancaire en France, puis en Espagne et en Belgique. Un pari audacieux, qui a n&eacute;cessit&eacute; d&rsquo;acqu&eacute;rir un acteur existant&hellip; et qui impose un niveau d&rsquo;excellence pour percer efficacement.<\/p>\n<p><em><strong>L&rsquo;ex&eacute;cution op&eacute;rationnelle sera-t-elle &agrave; la hauteur&nbsp;? <\/strong><\/em><br \/><em><strong> L&agrave; est, pour la CFE-CGC Orange, toute la question&nbsp;!<\/strong><\/em><\/p>\n<h2>150 points de ventes s&eacute;lectionn&eacute;s<\/h2>\n<p>L&rsquo;ouverture d&rsquo;un compte Orange Bank sera possible dans le r&eacute;seau des Agences Distribution Orange France (140 points de vente), et de la G&eacute;n&eacute;rale de T&eacute;l&eacute;phone (9 points de vente). 33 Agences suppl&eacute;mentaires pourraient s&rsquo;y ajouter si Orange Bank souhaite d&eacute;ployer l&rsquo;offre dans plus de 140 points de vente.<\/p>\n<ul>\n<li>Les boutiques retenues sont les points de vente leader sur chaque macro-zone de chalandise prioritaire.<\/li>\n<li>La permanence d&rsquo;un conseiller habilit&eacute; IOBSP y sera obligatoire, sauf en 2017, o&ugrave;, en cas d&rsquo;absence, les conseillers commerciaux enregistreront une indication, et Orange Bank terminera la souscription.<\/li>\n<\/ul>\n<p style=\"margin-top: 0cm;\"><em><strong>&Eacute;tendre la gamme des produits impose de sp&eacute;cialiser des &eacute;quipes, et de concentrer le r&eacute;seau dans des grandes boutiques&hellip; au d&eacute;triment d&rsquo;une pr&eacute;sence physique de la marque Orange sur tout le territoire. Un bon calcul&nbsp;?<\/strong><\/em><\/p>\n<h2>700 conseillers clients habilit&eacute;s IOBSP<\/h2>\n<p>En moyenne, 4 conseillers IOBSP <strong>(Interm&eacute;diaire en Op&eacute;rations de Banque et Services de Paiement)<\/strong> sont pr&eacute;vus par boutique s&eacute;lectionn&eacute;e, davantage dans les m&eacute;gastores.<\/p>\n<h5>La formation IOBSP: 80h dispens&eacute;es sur 4 semaines<\/h5>\n<p>Les candidatures des conseillers volontaires dans les boutiques s&eacute;lectionn&eacute;es sont collect&eacute;es par le responsable de boutique, accompagn&eacute; de l&rsquo;&eacute;quipe projet Orange Bank locale.<\/p>\n<h5 style=\"margin-top: 6pt;\">Seront prioritairement form&eacute;s en phase 1 :<\/h5>\n<p style=\"margin-bottom: 0.0001pt;\">(4 semaines avant le lancement de l&rsquo;offre&hellip; <em>qui ne sera sans doute pr&ecirc;te qu&rsquo;au T2, pour cause de difficult&eacute;s sur le SI<\/em>)<\/p>\n<ul>\n<li>les conseillers les plus exp&eacute;riment&eacute;s, ma&icirc;trisant les nouveaux territoires, disponibles sur la totalit&eacute; de la p&eacute;riode de formation + lancement de l&rsquo;offre commerciale<\/li>\n<li>l&rsquo;adjoint, ou le manager, form&eacute; en soutien de son &eacute;quipe<\/li>\n<\/ul>\n<p style=\"margin-top: 3pt; margin-right: 0cm; margin-bottom: 0.0001pt;\"><strong>Une compensation de la PVC<\/strong> pour les conseillers en formation est pr&eacute;vue, <strong>mais son m&eacute;canisme reste &agrave; pr&eacute;ciser<\/strong>.<\/p>\n<p>Nous constatons des disparit&eacute;s entre Agences Distribution <br \/> sur les mesures annonc&eacute;es&nbsp;!!<\/p>\n<h2>4 souscriptions par jour et par boutique<\/h2>\n<p>C&rsquo;est le volume de souscriptions attendu, avec un objectif de 400&nbsp;000 clients la premi&egrave;re ann&eacute;e, 2 millions &agrave; l&rsquo;horizon 2020.<\/p>\n<h3>Les boutiques&nbsp;? D&eacute;j&agrave; &agrave; la peine&nbsp;!<\/h3>\n<p style=\"margin-bottom: 4pt; line-height: 12pt;\">L&rsquo;enqu&ecirc;te stress et conditions de travail a r&eacute;v&eacute;l&eacute; une d&eacute;gradation de la sant&eacute; des &eacute;quipes en contact clients, confront&eacute;es aux difficult&eacute;s maximales, par manque d&rsquo;effectifs et complexit&eacute; croissante des t&acirc;ches (<a href=\"http:\/\/bit.ly\/enqueteStress2016\">bit.ly\/enqueteStress2016<\/a>).<\/p>\n<p>L&rsquo;offre Orange Bank s&rsquo;ajoute &agrave; l&rsquo;activit&eacute; des conseillers commerciaux, <strong>sans qu&rsquo;il soit question ni d&rsquo;augmenter les effectifs en boutique<\/strong> <em>(les responsables d&rsquo;Orange Bank s&rsquo;en sont d&rsquo;ailleurs inqui&eacute;t&eacute;s<\/em>), <strong>ni de nouveaux avantages pour les conseillers clients. <\/strong>Celles et ceux qui auront pass&eacute; l&rsquo;habilitation IOBSP seront-ils reconnus&nbsp;? Tenus de rester 3 ans dans leur boutique <em>(la r&egrave;gle, non &eacute;crite, reste appliqu&eacute;e),<\/em> alors que leurs possibilit&eacute;s de mobilit&eacute; seront p&eacute;nalis&eacute;es par le faible nombre de boutiques commercialisant l&rsquo;offre Orange Bank&nbsp;?<\/p>\n<p style=\"margin-bottom: 6pt;\"><em><strong>Est-ce r&eacute;aliste&nbsp;? Motivant pour les &eacute;quipes&nbsp;? <\/strong><\/em><br \/><em><strong> Gage d&rsquo;une &laquo;&nbsp;exp&eacute;rience client incomparable&nbsp;&raquo; ?<\/strong><\/em><\/p>\n<p style=\"margin-bottom: 2pt; line-height: 12pt; background: #d9d9d9 none repeat scroll 0% 0%;\">La profession <strong>d&rsquo;Interm&eacute;diaire en Op&eacute;rations de Banque et en Services de Paiement<\/strong> (IOBSP) est d&eacute;finie par le Code mon&eacute;taire et financier. Une <strong>formation<\/strong>, sanctionn&eacute;e par l&rsquo;<strong>habilitation IOBSP<\/strong>, conditionne l&rsquo;exercice l&eacute;gal de l&rsquo;activit&eacute;.<\/p>\n<p style=\"margin-bottom: 4pt; line-height: 12pt; background: #d9d9d9 none repeat scroll 0% 0%;\">Orange ne consid&egrave;re pas l&rsquo;IOBSP comme un m&eacute;tier. Mais l&rsquo;habilitation est reconnue dans les banques, soci&eacute;t&eacute;s de courtage ou mandataires exclusifs en op&eacute;rations de banque, et permettra aux conseillers commerciaux d&rsquo;exercer dans d&rsquo;autres soci&eacute;t&eacute;s qu&rsquo;Orange Bank.<\/p>\n<p style=\"margin-bottom: 4pt; line-height: 12pt; background: #d9d9d9 none repeat scroll 0% 0%;\"><strong>En savoir +<\/strong>&nbsp;: <a href=\"http:\/\/www.cbanque.com\/credit\/iobsp.php\">article sur Cbanque<\/a>, <a href=\"https:\/\/www.orias.fr\/documents\/10227\/28915\/201607%20-%20INTERMEDIAIRES%20EN%20OPERATIONS%20DE%20BANQUE%20ET%20EN%20SERVICES%20DE%20PAIEMENT.pdf\">documentation de l&rsquo;ORIAS<\/a><\/p>\n<h3 style=\"margin-top: 6pt;\">D&rsquo;autres emplois en perspective&nbsp;?<\/h3>\n<p>Plusieurs dizaines de postes sous convention collective de la banque sont ouverts sur Orange Jobs, au si&egrave;ge d&rsquo;Orange Bank &agrave; Montreuil (<em>doublement des effectifs et d&eacute;m&eacute;nagement en vue, suite aux r&eacute;organisations faites par la Direction d&rsquo;Orange&#8230; sans concertation avec les &eacute;quipes en place&nbsp;!!),<\/em> et prochainement sur la plate-forme d&rsquo;exploitation d&rsquo;Amiens. Un deuxi&egrave;me site d&rsquo;exploitation en r&eacute;gion pourrait ouvrir en cas de succ&egrave;s.<\/p>\n<p><strong><br clear=\"all\" \/> <\/strong><\/p>\n<div style=\"border: 1pt dashed #c00000; padding: 1pt 4pt;\">\n<h3 style=\"margin-top: 12pt; margin-right: 0cm; margin-bottom: 0.0001pt; text-indent: -17.85pt; padding: 0cm 0cm 0cm 30px;\"><span style=\"color: #e31f15;\">&gt;&gt;&gt; La CFE-CGC Orange propose de lancer l&rsquo;offre salari&eacute;s en avant-premi&egrave;re<\/span><\/h3>\n<p style=\"padding: 0cm;\">Sur la demande de la CFE-CGC (1<sup>&egrave;re<\/sup> Organisation Syndicale &agrave; Groupama Banque), la Direction proposera un avantage &agrave; tous les personnels Orange SA, qui sera d&eacute;fini une fois l&rsquo;offre enti&egrave;rement finalis&eacute;e. <em>Compte-tenu des r&egrave;gles URSSAF, la r&eacute;duction accord&eacute;e ne pourra &ecirc;tre sup&eacute;rieure &agrave; 30%.<\/em><\/p>\n<ul>\n<li><strong>Commencer par cette offre permettrait de faire un test &laquo;&nbsp;grandeur nature&nbsp;&raquo; afin de roder les processus de vente et le parcours digital propos&eacute; &agrave; nos clients, pour les ajuster si n&eacute;cessaire avant le lancement commercial.<\/strong><\/li>\n<\/ul>\n<h3 style=\"margin-top: 6pt; margin-right: 0cm; margin-bottom: 0.0001pt; text-indent: -17.85pt; padding: 0cm 0cm 0cm 30px;\"><span style=\"color: #e31f15;\">&gt;&gt;&gt; La CFE-CGC Orange demande &agrave; la Direction de s&rsquo;engager sur&nbsp;:<\/span><\/h3>\n<ul>\n<li>le renforcement des effectifs en boutiques, pendant la p&eacute;riode de formation des conseillers clients, et au-del&agrave;, pour ne pas d&eacute;grader les conditions de travail des &eacute;quipes&nbsp;;<\/li>\n<li>la r&eacute;mun&eacute;ration des actes commerciaux Orange Bank, la compensation de la PVC pendant la formation IOBSP, la reconnaissance mon&eacute;taire de cette &eacute;volution&nbsp;;<\/li>\n<li>des &eacute;volutions professionnelles et des mobilit&eacute;s volontaires facilit&eacute;es pour les conseillers qui auront fait l&rsquo;effort de se former.<\/li>\n<\/ul>\n<\/div>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: left; mso-pagination: widow-orphan; page-break-after: auto; margin: 6.0pt 0cm .0001pt 0cm;\" align=\"left\">3 modes de contribution &agrave; la commercialisation d&rsquo;Orange Bank<\/h2>\n<p class=\"MsoNormal\">Le<strong style=\"mso-bidi-font-weight: normal;\"> Service Client Orange par t&eacute;l&eacute;phone<\/strong> ne fera que de <strong style=\"mso-bidi-font-weight: normal;\">l&rsquo;information<\/strong>, renvoyant vers les points de contact web ou t&eacute;l&eacute;phoniques de la banque. Les actes commerciaux d&rsquo;<strong style=\"mso-bidi-font-weight: normal;\">indication et de souscription <\/strong>seront r&eacute;alis&eacute;s par les<strong style=\"mso-bidi-font-weight: normal;\"> conseillers clients en Boutique Orange<\/strong>.<\/p>\n<table border=\"1\" class=\"MsoTableLightShadingAccent1\" style=\"border-collapse: collapse; border: none; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; mso-border-bottom-alt: solid #4F81BD 1.0pt; mso-border-bottom-themecolor: accent1; mso-yfti-tbllook: 1184; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt;\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr style=\"mso-yfti-irow: -1; mso-yfti-firstrow: yes; height: 15.15pt;\">\n<td style=\"width: 62.0pt; border-top: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; border-left: none; border-bottom: solid #4F81BD 1.0pt; mso-border-bottom-themecolor: accent1; border-right: none; padding: 0cm 5.4pt 0cm 5.4pt; height: 15.15pt;\" width=\"83\">\n<p class=\"MsoNormal\" style=\"text-align: left; mso-yfti-cnfc: 5;\" align=\"left\"><strong><span style=\"font-size: 10.0pt; color: #365f91; mso-themecolor: accent1; mso-themeshade: 191;\"><\/span><\/strong><\/p>\n<\/td>\n<td style=\"width: 177.3pt; border-top: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; border-left: none; border-bottom: solid #4F81BD 1.0pt; mso-border-bottom-themecolor: accent1; border-right: none; padding: 0cm 5.4pt 0cm 5.4pt; height: 15.15pt;\" width=\"236\">\n<p class=\"MsoNormal\" style=\"text-align: center; mso-yfti-cnfc: 1;\" align=\"center\"><strong><span style=\"font-size: 10.0pt; color: #365f91; mso-themecolor: accent1; mso-themeshade: 191;\">Indication <br \/>(d&eacute;tection de prospect)<\/span><\/strong><\/p>\n<\/td>\n<td style=\"width: 310.15pt; border-top: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; border-left: none; border-bottom: solid #4F81BD 1.0pt; mso-border-bottom-themecolor: accent1; border-right: none; padding: 0cm 5.4pt 0cm 5.4pt; height: 15.15pt;\" width=\"414\">\n<p class=\"MsoNormal\" style=\"text-align: center; mso-yfti-cnfc: 1;\" align=\"center\"><strong><span style=\"font-size: 10.0pt; color: #365f91; mso-themecolor: accent1; mso-themeshade: 191;\">Souscription <br \/>(ouverture de compte)<\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 0;\">\n<td style=\"width: 62.0pt; border: none; background: #D3DFEE; mso-background-themecolor: accent1; mso-background-themetint: 63; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"83\">\n<p class=\"MsoNormal\" style=\"margin-bottom: .0001pt; text-align: left; mso-yfti-cnfc: 68;\" align=\"left\"><strong><span style=\"font-size: 10.0pt; color: #365f91; mso-themecolor: accent1; mso-themeshade: 191;\">quoi&nbsp;?<\/span><\/strong><\/p>\n<\/td>\n<td style=\"width: 177.3pt; border: none; background: #D3DFEE; mso-background-themecolor: accent1; mso-background-themetint: 63; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"236\">\n<p class=\"Puce1CxSpFirst\" style=\"mso-add-space: auto; text-align: left; text-indent: -14.2pt; mso-list: l1 level1 lfo4; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">pr&eacute;sentation de l&rsquo;application Orange Bank, modalit&eacute;s pour la t&eacute;l&eacute;charger,<\/span><\/p>\n<p class=\"Puce1CxSpMiddle\" style=\"mso-add-space: auto; text-align: left; text-indent: -14.2pt; mso-list: l1 level1 lfo4; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">v&eacute;rification et validation des donn&eacute;es du client via sa fiche<\/span><\/p>\n<p class=\"Puce1CxSpMiddle\" style=\"mso-add-space: auto; text-align: left; text-indent: -14.2pt; mso-list: l1 level1 lfo4; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">remise d&rsquo;une brochure Orange Bank<\/span><\/p>\n<\/td>\n<td style=\"width: 310.15pt; border: none; background: #D3DFEE; mso-background-themecolor: accent1; mso-background-themetint: 63; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"414\">\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l2 level1 lfo2; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">pr&eacute;sentation de l&rsquo;offre personnalis&eacute;e, <br \/> des Conditions G&eacute;n&eacute;rales de Vente et du contrat,<\/span><\/p>\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l2 level1 lfo2; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">recueil des pi&egrave;ces justificatives <span style=\"mso-spacerun: yes;\"><\/span>pour l&rsquo;ouverture du compte <br \/> (les m&ecirc;mes que celles demand&eacute;es pour ouvrir un abonnement mobile),<\/span><\/p>\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l2 level1 lfo2; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">signature &eacute;lectronique du contrat par le client.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 1;\">\n<td style=\"width: 62.0pt; border: none; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"83\">\n<p class=\"MsoNormal\" style=\"margin-bottom: .0001pt; text-align: left; mso-yfti-cnfc: 4;\" align=\"left\"><strong><span style=\"font-size: 10.0pt; color: #365f91; mso-themecolor: accent1; mso-themeshade: 191;\">quels <br \/> outils&nbsp;?<\/span><\/strong><\/p>\n<\/td>\n<td style=\"width: 177.3pt; border: none; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"236\">\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l1 level1 lfo4; tab-stops: list 14.2pt; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">formulaire d&rsquo;indication accessible via les applications actuelles du conseiller (POC-D sur PC, Nomadis sur tablette)<\/span><\/p>\n<\/td>\n<td style=\"width: 310.15pt; border: none; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"414\">\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l2 level1 lfo2; tab-stops: list 14.2pt; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">interface digitale de souscription <br \/> avec la m&ecirc;me ergonomie intuitive que celle du client,<\/span><\/p>\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l2 level1 lfo2; tab-stops: list 14.2pt; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">les justificatifs seront transmis comme aujourd&rsquo;hui, par scan ou courrier, pour reprise en back-office par les &eacute;quipes d&rsquo;Orange Bank.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 2;\">\n<td style=\"width: 62.0pt; border: none; background: #D3DFEE; mso-background-themecolor: accent1; mso-background-themetint: 63; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"83\">\n<p class=\"MsoNormal\" style=\"margin-bottom: .0001pt; text-align: left; mso-yfti-cnfc: 68;\" align=\"left\"><strong><span style=\"font-size: 10.0pt; color: #365f91; mso-themecolor: accent1; mso-themeshade: 191;\">par qui&nbsp;?<\/span><\/strong><\/p>\n<\/td>\n<td style=\"width: 177.3pt; border: none; background: #D3DFEE; mso-background-themecolor: accent1; mso-background-themetint: 63; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"236\">\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l1 level1 lfo4; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">les conseillers de toutes les boutiques<\/span><\/p>\n<\/td>\n<td style=\"width: 310.15pt; border: none; background: #D3DFEE; mso-background-themecolor: accent1; mso-background-themetint: 63; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"414\">\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l2 level1 lfo2; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">uniquement dans les boutiques s&eacute;lectionn&eacute;es,<\/span><\/p>\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l2 level1 lfo2; tab-stops: list 14.2pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">par des conseillers ayant obtenu l&rsquo;habilitation <strong style=\"mso-bidi-font-weight: normal;\">IOBSP<\/strong><span style=\"mso-spacerun: yes;\">&nbsp; <\/span><br \/> <strong style=\"mso-bidi-font-weight: normal;\">(Interm&eacute;diaire en Op&eacute;rations de Banque et Services de Paiement).<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 3;\">\n<td style=\"width: 62.0pt; border: none; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"83\">\n<p class=\"MsoNormal\" style=\"margin-bottom: .0001pt; text-align: left; mso-yfti-cnfc: 4;\" align=\"left\"><strong><span style=\"font-size: 10.0pt; color: #365f91; mso-themecolor: accent1; mso-themeshade: 191;\">quelle formation&nbsp;?<\/span><\/strong><\/p>\n<\/td>\n<td style=\"width: 177.3pt; border: none; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"236\">\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l1 level1 lfo4; tab-stops: list 14.2pt; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">formation de 1,5 jour <br \/> &agrave; l&rsquo;offre commerciale<\/span><\/p>\n<\/td>\n<td style=\"width: 310.15pt; border: none; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"414\">\n<p class=\"Puce1\" style=\"text-align: left; text-indent: -14.2pt; mso-list: l2 level1 lfo2; tab-stops: list 14.2pt; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 14.2pt;\" align=\"left\"><span style=\"font-size: 14.0pt; mso-bidi-font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial; color: #1f56a3;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">formation de 80h \/ 4 semaines pour obtenir l&rsquo;habilitation IOBSP<\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 4; mso-yfti-lastrow: yes;\">\n<td style=\"width: 62.0pt; border: none; border-bottom: solid #4F81BD 1.0pt; mso-border-bottom-themecolor: accent1; background: #D3DFEE; mso-background-themecolor: accent1; mso-background-themetint: 63; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"83\">\n<p class=\"MsoNormal\" style=\"margin-bottom: .0001pt; text-align: left; mso-yfti-cnfc: 68;\" align=\"left\"><strong><span style=\"font-size: 10.0pt; color: #365f91; mso-themecolor: accent1; mso-themeshade: 191;\">quelle r&eacute;mu&nbsp;?<\/span><\/strong><\/p>\n<\/td>\n<td colspan=\"2\" style=\"width: 487.45pt; border: none; border-bottom: solid #4F81BD 1.0pt; mso-border-bottom-themecolor: accent1; background: #D3DFEE; mso-background-themecolor: accent1; mso-background-themetint: 63; padding: 0cm 5.4pt 0cm 5.4pt;\" width=\"650\">\n<p class=\"MsoNormal\" style=\"text-align: left; mso-yfti-cnfc: 64; margin: 2.0pt 0cm .0001pt 0cm;\" align=\"left\"><span style=\"font-size: 10.0pt;\">R&eacute;mun&eacute;ration de l&rsquo;indication (pour tous les conseillers) et de la souscription (pour les IOBSP)&nbsp;:<\/span><\/p>\n<p class=\"Puce1\" style=\"text-align: left; mso-list: l0 level1 lfo3; tab-stops: 35.4pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 36.0pt;\" align=\"left\"><span style=\"font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">fait g&eacute;n&eacute;rateur : ouverture du compte par Orange Bank,<\/span><\/p>\n<p class=\"Puce1\" style=\"text-align: left; mso-list: l0 level1 lfo3; tab-stops: 35.4pt; mso-yfti-cnfc: 64; mso-element: frame; mso-element-frame-hspace: 0cm; mso-element-wrap: auto; mso-element-anchor-vertical: margin; mso-element-left: left; mso-element-top: 0cm; mso-height-rule: exactly; margin: 0cm 0cm .0001pt 36.0pt;\" align=\"left\"><span style=\"font-size: 10.0pt; font-family: 'Arial','sans-serif'; mso-fareast-font-family: Arial;\"><span style=\"mso-list: Ignore;\">&#8211;<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><span style=\"font-size: 10.0pt;\">mod&egrave;le de r&eacute;mun&eacute;ration PVC avec l&rsquo;indicateur SAM (Satisfaction, Accompagnement, Multicanalit&eacute;) 100% Orange.<\/span><\/p>\n<p><span style=\"font-size: 10.0pt; font-family: 'Arial Narrow','sans-serif'; mso-fareast-font-family: 'MS Mincho'; mso-bidi-font-family: Arial; letter-spacing: -.1pt; mso-ansi-language: FR; mso-fareast-language: FR; mso-bidi-language: AR-SA;\"><br style=\"mso-column-break-before: always;\" clear=\"all\" \/> <\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: .0001pt; text-align: left; line-height: 12.0pt; mso-line-height-rule: exactly; mso-yfti-cnfc: 64;\" align=\"left\"><span style=\"font-size: 10.0pt;\">Le SAM sera calcul&eacute; par boutique sur la base des indications et des souscriptions r&eacute;alis&eacute;es par ses conseillers, les actes r&eacute;alis&eacute;s suite &agrave; un rebond depuis l&rsquo;offre Telco &eacute;tant comptabilis&eacute;s comme &laquo; Orange Bank &raquo;. Il sera int&eacute;gr&eacute; dans la r&eacute;mun&eacute;ration de chaque conseiller ayant r&eacute;alis&eacute; au moins un acte Orange Bank.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Groupama Banque, dont Orange d&eacute;tient 65% du capital, sera rebaptis&eacute;e Orange Bank en janvier prochain. Au 1er semestre 2017, une offre de banque sur mobile, Orange Bank, sera propos&eacute;e &agrave; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7330,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-7332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-distribution"],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480-150x150.jpg",150,150,true],"full":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg",485,536,false]},"categories_names":{"38":{"name":"Distribution","link":"https:\/\/dev.cfecgc-orange.app\/index.php\/category\/rmn\/distribution\/"}},"tags_names":[],"comments_number":"0","wpmagazine_modules_featured_media_urls":{"thumbnail":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480-150x150.jpg",150,150,true],"cvmm-medium":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg",271,300,false],"cvmm-medium-plus":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg",187,207,false],"cvmm-portrait":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg",400,442,false],"cvmm-medium-square":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg",485,536,false],"cvmm-large":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg",485,536,false],"cvmm-small":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg",86,95,false],"full":["https:\/\/dev.cfecgc-orange.app\/wp-content\/uploads\/2016\/12\/orange_cfe_cgc_exe_numerisation_experience_incomparable_480.jpg",485,536,false]},"_links":{"self":[{"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/posts\/7332","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/comments?post=7332"}],"version-history":[{"count":0,"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/posts\/7332\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/media\/7330"}],"wp:attachment":[{"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/media?parent=7332"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/categories?post=7332"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.cfecgc-orange.app\/index.php\/wp-json\/wp\/v2\/tags?post=7332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}