Abstract
Credit Agricole is the first bank group in France owning 28% of the household market. This group is also the first in Europe regarding revenues of retailing banks and the fourth group in the world concerning the equity level. Leader of the proximity banks in France with 39 local funds or region banks, the Credit Agricole reinforced all its activities by the acquisition of Credit Lyonnais known as LCL now, in 2003. This organization allows Credit Agricole to be decentralized, its financial, business, and juridical cohesion goes with the decentralization of responsibilities. In France, Credit Agricole is the last bank group which uses Internet services for customers. But the company wants to gap an upper level comparing to the competitors. So they work on an e-bank specialized on e-payments project.
