Abstract
Moneo was one of the first three experiments with the electronic wallet (or e-wallet). In 1999, Modeus (in Ile de France), Mondex (in Strasbourg) and Moneo (in Tours) were launched in France by Société Européenne de Monnaie Electronique (SEME, which is made up of seven French banks -Crédit Agricole, BNP, Crédit Mutuel, Crédit Lyonnais, Banques Populaires, CIC and CCF).
What can explain the emergence of these new means of payment is the rise of information technologies and the dematerialization of the exchanges: virtual means of payment are slowing standing out within the international financial world.
After the test of Tours in 1999, there was a second stage which began in 2000, until 2003: the expansion of Moneo all around France. In 2000, Moneo was launched in Brittany and in 2001 – 2003, in the remaining regions.
Today, it is time to draw a first assessment: is Moneo a success or a failure? Of course, in a six-year period, it is a bit early to declare officially and definitely if Moneo has succeeded in conquering France. However, by basing on figures, on consumers' statements and on shopkeepers', it will lead us to some conclusions about the first results of Moneo in France.
