To answer those questions, we took the Swiss bank Crédit Suisse and mainly focus on the e-banking offer of Crédit Suisse.

The main job to be done is to give an easy access for customers to their accounts. They want to manage easily their accounts and quickly execute some transactions. And that why banks develop e-banking and home banking platforms/software.

In addition to this platform, Crédit Suisse try to go further by offering SMS banking, the Crédit Suisse mobile finance, iPhone/iPad app, etc. This is to stray as close to customers as possible. Crédit Suisse tries to build a good relationship with their clients to keep them and not let them go to the competition.

 GROUPS CLOSER:


1. Job to get done:

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2. Help to get the job done:

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3. Value proposition

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3. Why customers come to us?

E-banking, Environmental analysis

Our group is analyzing the changes in the e-banking industry due to new technologies. We have narrowed our research to swiss market. Here, we will analyze the environment and the effect it can have on the existing business models in today's industry.

1. Market Trends

More financial services are offered through the internet to all target segments : individuals and companies. But as a consequence to the financial crisis, some people have lost their trust towards banks. People now expect more transparency and morality from them. Another key issue concerning e- banking is the security of the data and the transactions done through the internet.

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2. Industry Forces

The industry is characterized by a group of large banks. The largest are UBS and Credit Suisse. They have all developed an online platform that enables users to have access to their accounts through internet to perform some simple transactions. A new model is appearing in the e-banking industry, the internet-only banks. Even though they don't offer exactly the same services as a traditional bank, these types of banks are developing and taking importance in the industry (ex : Swissquote).

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3. Macroeconomics

Crisis 2008 made a huge impact on banking. Clients' trust was lost, and socio-political environment is no longer friendly for that industry. However,  having no substitutes, banking still plays big role in peoples lives. Moreover, there is an opportunity to find talented people that due to crises lost their jobs, and thus enforce management team.

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4.  Key Trends

Nowadays, people expect a lot from their banks in regards to internet. All customers want and need to access to their account quickly, easily, in a convenient way and in a secure manner. This is why banks need to make sure that their customers can have access to their e-banking platforms through all the new mobile devices that exist such as iPhones, mobiles phones etc. They also need to provide live financial information.

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References:
http://www.swissworld.org/fr/economie/secteurs_cles/banques/
http://www.swissquote.ch/index/index_group_e.html

Environmental analysis

Microsoft Office, Environmental analysis

 1. Industry forces

2. Key Trends

3. Macroeconomic Forces

4. Market Forces

Findings:

Until now, functionality has been the most important element, though things start changing and we see that the focus is now on convenience, ergonomics and a nice interface. There hasn’t been any significant technological evolutions. They worked hard on the interface and the design, but the functions that MS office offers do not differ that much of what they offered 5 to 10 years ago.

Illegal downloading, as well in Europe or in the US as in emerging countries such as China and India, is an important issue for Microsoft. The second big issue is that governments tend to pay more attention to software companies because of anti-trust issues.

If Microsoft manages to tackle the issue of illegal downloading in these emerging countries, they would be able to benefit from this huge market potential.We identified four main technology trends; open source software, cloud computing, portability and security. Open source (freeware) can be a threat in the long-run, but nowadays the open-source software lack power, security and ergonomics. Both cloud computing and portability are opportunities for Microsoft, because it is one of the key trends for the future.

MS Office doesn’t have any real substitutes, but few competitors who offers slightly the same solution. E.g, OpenOffice, iWork for Mac,.. Another group of competitors are the on-line editors, such as Google Docs.