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La proposition de valeur de Nickel (Compte Nickel)
Nickel (anciennement Compte-Nickel) est un service bancaire alternatif français ouvert à tous, sans condition de revenus et sans possibilité de découvert ni de crédit. Le service est créé en 2012 par la société la Financière des paiements électroniques (FPE), avec comme cofondateurs et développeurs l’ingénieur en électronique Ryad Boulanouar et le financier Hugues le Bret. Nickel est un moyen alternatif du compte bancaire comme moyen de paiement.
C’est le premier compte utilisant une borne d’inscription chez un buraliste qui s’enregistre avec une pièce d’identité et un numéro de téléphone mobile. Ce compte est actif immédiatement et s’ouvre en 5 minutes. À l’ouverture du compte, le client obtient un RIB et une carte bancaire MasterCard avec son code, pour la somme de 20 euros (frais annuels). À cela s’ajoutent des frais pour les retraits d’espèces chez les buralistes (0,5 euro), dans un distributeur de billets (1 euro) ou encore en cas de dépôt d’espèces chez le buraliste (2 % de la somme).
Le 4 avril 2017, la banque BNP Paribas annonce qu’elle rachète 95 % des actions de la Financière des paiements électroniques, la société-mère de Nickel.
Dernière mise à jour de nos documents et schémas : septembre 2018.
LE PROFIL CLIENT
Aspirations des clients
Les espérances, les désirs du Client pour mieux réaliser ses transactions bancaires:
Obtenir une CB pour les achats sur Internet
Obtenir un compte rapidement avec un minimum de condition
Les problèmes
Les problèmes, les souffrances du Client pour effectuer des transactions bancaires:
Frais élevés
Impossibilité d’ouvrir un compte pour les interdits bancaires
Justificatif de revenus pour ouvrir un compte
Les bénéfices
Ce que le Client doit faire pour réaliser des transactions bancaires:
Recevoir un salaire
Effectuer des achats avec une CB
Effectuer des virements en France comme à l’étranger
LA PROPOSITION DE VALEUR
Les produits et services
Création d’avantages potentiels pour le Client:
Gestion pratique 100% connectées
Gestion simple et responsable, pas de crédit possible
Virement et utilisation de la CB avec l’étranger
Les solutions
Les anti douleurs pour le client:
Juste une carte ID pour ouvrir un compte avec CB
Ouverture d’un compte dès 12 ans en 5 minutes
Frais réduits 20€ / an
Les créateurs de bénéfices
Les services proposés pour répondre au besoin client