La gouvernance mutualiste favorise-t-elle les processus innovants ?

Christine Marsal

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Abstract: French banking cooperatives have shown a great capacity for innovation both in terms of their strategies (banking insurance) and product offering (mobile telephony) and the way they market these products (regular development of bank branches). This article seeks to understand how these innovations have been implemented and highlights the role of the bank directors. By studying two separate bodies (Crédit Mutuel and regional banks of CréditAgricole), we were able to observe that the directors are invited to present their opinion on innovation. Regularly informed, they participate in the dissemination of commercial innovations. This recent trend strengthens the cooperation between directors and field managers when preparing a medium-term plan and/or business projects. The commercial and managerial innovations are likely to reshape the governance of banking establishments by reinforcing the cohesion of the executive director team.

Date: 2016-10-11
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Published in Sommet International des Coopératives, Oct 2016, Québec, Canada

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-02129051

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