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ORANGE BANK : L’EMPIRE BANCAIRE CONTRE-ATTAQUE

ORANGE BANK : L’EMPIRE BANCAIRE CONTRE-ATTAQUE

D-RATING dans sa dernière étude sur la thématique, Orange Bank : la contre-offensive des enseignes traditionnelles a déjà commencé, s’attend à une année 2018 très dynamique en matière de nouvelles offres bancaires. Ce jour, c’est le Crédit Agricole qui a lancé son offre EKO. Et les autres banques historiques ne font que commencer leurs répliques face à l’offre d’Orange Bank.

Si le parallèle ne pouvait prêter à confusion, on serait tenté de dire que les 30 000 clients engrangés en à peine 10 jours par Orange Bank ont mis… en marche l’ensemble de la banque de détail vers une accélération de sa digitalisation : en moins de deux mois, entre le 19 septembre et le 10 novembre, Arkéa, Crédit Mutuel, Crédit Agricole et le CIC ont multiplié les prises de paroles avec, pour point convergent, le lancement de fonctionnalités inspirées des promesses des néo-banques (Orange Bank, mais aussi ses devancières N26, Compte Nickel ou encore C-Zam).

Il serait surprenant que ce rythme fléchisse en 2018 ; la Banque Postale a par exemple déjà annoncé le lancement de sa propre banque mobile à la mi-année et BPCE a confirmé l’arrivée en France de sa filiale allemande Fidor Bank.

La promesse multiplie jusque dans sa communication (films publicitaires tournés au format vertical) les clins d’œil aux valeurs (rapidité, flexibilité et gratuité) et aux usages mobile centric des Millennials. Et si le PDG d’Orange Stéphane Richard a dû concéder que « de petits bugs (concernant) à peu près un pour cent de nos clients » n’avaient pas permis aux premiers souscripteurs d’en profiter pleinement, la concurrence semble avoir perçu le double risque, sur l’image comme sur la perte de contact d’avec la génération montante.

Aucun groupe historique n’a suivi les néo banques sur le terrain de la gratuité totale ou presque de la tenue des comptes : 0€/mois pour N26 et Orange Bank sous réserve toutefois d’un nombre minimum d’opérations, 1€ par mois pour C-ZAM et moins de 2€/mois pour Compte Nickel. A 4,84€/mois, la nouvelle offre du Crédit Mutuel de Bretagne (CMB, groupe Arkéa) apparaît comme l’offre la plus agressive parmi les acteurs traditionnels du secteur bancaire.

Quand les délais nécessaires pour y parvenir oscillaient pour les enseignes traditionnelles entre 3 et 12 jours mi 2017, selon les constats effectués par D-Rating, le Crédit Mutuel de Bretagne (CMB, Arkéa) et le Crédit Agricole (Eko) se sont ainsi alignés sur le mieux disant alors relevé : 8 minutes annoncés par N26, et à peine 15 minutes dans les faits. Le CMB comme Eko revendiquent ainsi maintenant un process finalisé en « moins de 10 minutes ».

Crédit Mutuel et CIC, de leur côté, s’attachent à capitaliser sur leur activité de MVNO, avec une offre en affinité avec la cible privilégiée des néo banques : depuis le 24 octobre, pour le premier, le 10 novembre pour le second, maison-mère et filiale proposent à leurs clients d’ajouter à leur compte un forfait mobile à 20€/mois intégrant appels, SMS et MMS illimités, ainsi que 50 GO de données.

Parce qu’elles impactent plus profondément organisation, process et infrastructure, les innovations sont plus rares sur le terrain de la relation digitale avec le client et du service qui lui est rendu au travers des canaux numériques. Tout juste relève-t-on que le CMB propose désormais la modification du plafond de carte bancaire et la classification des dépenses au travers de son application, et qu’il annonce l’arrivée du paiement mobile via la solution Apple Pay pour décembre. Le Crédit Mutuel ne propose quant à lui pas de solution de paiement mobile au-delà de l’application Lyf Pay, disponible aux clients de n’importe quelle banque.

Le triplement des investissements dans le numérique annoncé par BPCE (600 M€/an à partir de 2020) donne la mesure de la révolution dans laquelle la banque de détail est entrée.

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Vendor: Microsoft Exam Code: 070-410 dumps Exam Name: Implementing a Data Warehouse with Microsoft SQL Server 2012 Version: DemoDEMO

QUESTION 1 You are developing a SQL Server Integration Services (SSIS) package to implement an incremental data load strategy. The package reads data from a source system. Depending on the value in a source column, the package redirects rows to one of five 70-696 dumps different data flow paths. You need to add a data flow transformation to support the package redirection. Which data flow transformation should you use? A. Conditional Split B. pjvot C. Multicast D. Lookup Correct Answer: A

QUESTION 2 You are developing a SQL Server 070-463 dumps Integration Services (SSIS) project that contains a project Connection Manager and multiple packages. All packages in the project must connect to the same database. The server name for the database must be set by using a parameter named ParamConnection when any package in the project is executed. You need to develop this project with the least amount of development effort. What should you do? (Each answer presents a part of the solution. Choose all that apply.) A. Create a package parameter named ConnectionName in each package. B. Edit each package Connection Manager. Set the ConnectionName property to @ [$Project::ParamConnection]. C. Edit the project Connection Manager 70-410 dumps in Solution Explorer. Set the ConnectionName property to @ [$Project::ParamConnection]. D. Set the Sensitive property of the parameter to True. E. Create a project parameter named ConnectionName. F. Set the Required property of the parameter to True. Correct Answer: BEF

QUESTION 3 You develop a SQL Server Integration Services (SSIS) package in a project by using the Project Deployment Model. It is regularly executed within a multi-step SQL Server Agent job. You make changes to the package that should improve performance. You need to establish if there is a trend in the durations of the next 10 successful executions of the package. You need to use the least amount of administrative effort to achieve this goal. What should you do? A. After 10 executions, view the job history for the SQL Server Agent job. B. After 10 executions, in SQL Server Management Studio, view the Execution Performance subsection of the All Executions report for the project. C. Enable logging to the Application Event Log in the package control flow for the Onlnformation event. After 10 executions, view the Application Event Log. D. Enable logging to an XML file in the package control flow for the OnPostExecute event. After 10executions, view the XML file. Correct Answer: B

QUESTION 4 A SQL Server Integration Services (SSIS) 2012 package currently downloads sales data from a Windows Azure SQL Database database. To improve sales data accuracy, exchange rates must be downloaded daily from a public HTTP website instead of from a weekly flat file. The public website hosts a comma- separated values (CSV) file that contains one row per currency. You need to download the CSV file to the environment. What should you use to retrieve the document from the website? A. a Script component B. a Web Service 70-331 dumps task C. a Web Service source D. a Script task Correct Answer: D

QUESTION 5 You are preparing to install SQL Server 2012 Master Data Services (MDS). You need to ensure that the database requirements are met. What should you install? A. Microsoft SharePoint Server 2010 Standard Edition SP1 B. Microsoft SharePoint Server 2010 Enterprise 070-489 dumps Edition SP1 C. SQL Server 2012 Data Center (64-bit) x64 on the database server D. SQL Server 2012 Enterprise (64-bit) x64 on the database server Correct Answer: D

QUESTION 6 You are designing an Extract, Transform and Load (ETL) solution that loads data into dimension tables. The ETL process involves many transformation steps. You need to ensure that the design can provide: Auditing information for compliance and business user acceptance Tracking and unique identification of records for troubleshooting and error correction What should you do? A. Develop a Master 70-414 dumps Data Services (MDS) solution. B. Develop a Data Quality Services (DQS) solution. C. Create a version control repository for the ETL solution. D. Develop a custom data lineage solution. Correct Answer: D

QUESTION 7 You are designing a SQL Server Integration Services (SSIS) project that uses the Project Deployment Model. The project will contain 10 packages. All the packages must connect to the same data source anddestination. You need to define and reuse the connection 70-486 dumps managers in all the packages by using the least development effort. What should you do? A. Implement parent package variables. B. Copy and paste connection managers from one package to the others. C. Implement project connection managers. D. Implement package connection managers. Correct Answer: C

QUESTION 8 You have a secured database that contains all of the customer data for your company. You plan to use a project deployment model. You need to create a SQL Server 1ntegration Services (SS1S) package that connects to the database by using a dedicated username and password. 70-487 dumps The solution must ensure that the password used for the connection string is encrypted. Which two actions should you perform? (Select Two) A. Select the Sensitive check box for the catalog environment. B. Set the sensitive property of the package parameter to True. C. Modify the set_execution parameter_value stored procedure. D. Set the package protection level to EncrypSensitiveWithPassword. Correct Answer: CD

QUESTION 9 You are developing a SQL Server 1ntegration Services (SS1S) package. The package sources data from an HTML web page that lists product stock levels. You need to implement a data flow task that reads the product stock levels from the HTML web page. Which data flow sources should 70-480 dumps you use? Select Two A. Raw File source B. XML source C. Custom source component D. Flat File source E. script component Correct Answer: CE

QUESTION 10 You develop a SQL Server Integration Services (SSIS) package in a project by using the Project Deployment Model. It is regularly executed within a multi-step SQL Server Agent job. You make changes to the package that should improve performance. You need to establish if there is a trend in the durations of the next 10 successful executions of the package. You need to use the least 70-412 dumps amount of administrative effort to achieve this goal. What should you do? A. Enable logging to an XML file in the package control flow for the Onlnformation event. After 10 executions, view the XML file. B. After 10 executions, view the job history for the SQL Server Agent job. C. After 10 executions, in SQL Server Management Studio, view the Execution Performance subsection of the All Executions report for the package.D. Enable logging to an XML file in the package control flow for the OnPostExecute event. After 10 executions, view the XML file. Correct Answer: C

QUESTION 11 You are editing a SQL Server Integration Services (SSIS) package that contains a task with a sensitive property. You need to create a project parameter and configure it so that its value is encrypted when it is deployed to the SSIS catalog. Which three steps should you perform in sequence? (To answer, move the appropriate actions from the list of actions to the answer area and arrange them in the correct order.) Select and Place: Correct Answer: QUESTION 12 You are building a SQL Server Integration Services (SSIS) package to load data from all files that are automatically copied to a directory each night through an external FTP process. You need to load data from all copied files to a destination table in SQL Server. Which three steps should you perform in sequence? (To answer, move the appropriate actions from the list of actions to the answer area and arrange 70-532 dumps them in the correct order.) Select and Place:Correct Answer:

QUESTION 13 You are creating a sales data warehouse. When a product exists in the product dimension, you update the product name. When a product does not exist, you insert a new record. In the current implementation, the DimProduct table must be scanned twice, once for the insert and again for the update. As a result, inserts and updates to the DimProduct table take longer than expected. You need to create a solution that uses a single 070-413 dumps command to perform an update and an insert. How should you use a MERGE T-SQL statement to accomplish this goal? (To answer, drag the appropriate answer choice from the list of options to the correct location or locations in the answer area. You may need to drag the split bar between panes or scroll to view content.)Select and Place:Correct Answer:

control flow is shown in the answer area.
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