Compte Nickel Qorus Banking Innovation Awards 2014 - Winner

Customers can simply walk into their local newsagents and buy a ‘Nickel box,’ which provides everything they need, including a MasterCard and a user guide. There are no conditions on income or assets required. The only criteria needed to activate a Nickel Account are that the customer must be over 18 years old and reside in France. After purchasing the box, customers go up to an interactive terminal and scan their personal ID card. Data is extracted and displayed on the screen to create a new customer file. The customer completes any requested information (such as telephone, e-mail, address) and electronically signs the general conditions of sale. The customer file is all ready to go and 100% paperless. After this first easy step, the customer goes back to the counter and the newsagent checks the customer’s ID, activates the payment card and links it to the customer file. This automatically generates a printed ticket on the electronic payment terminal, giving the customer their account ID and their internet login and password.