This heading offers an overview of recent studies carried out by Efma in collaboration with international consulting firms and research companies

• Efma studies are the result of close collaboration between Efma and several prestigious consulting firms. They are intended to assist members in their reflections in the area of retail financial services: marketing banking services, products and services, distribution circuits, multi-channel banking, online financial services, customer relationship management etc.

• Other studies are selected from Internet sites, according to the interest of their subject for professionals from the retail banking and insurance sectors. To insert a study under this heading, please contact Vincent Gueganic

The consultation of this observatory is open to everyone. Only the downloading of Efma studies is reserved for its members, after identification.