E-Business & Cash Management’s international network provides our clients with solutions on a global scale. It has developed OPTIM, a complete range of customized, flexible services to meet the full range of their international and domestic needs:

• account opening and management
• banking services (payments and receipts)
• on-line banking (internet processing for all transactions and information)
• cash management (domestic, international and notional cash pooling / margin pooling)
• issuing letters of credit and guarantees
• simplifying your procedures
• securing your transactions.

Crédit Agricole CIB’s e-business solutions include:

• cash management transactions (account statements, payments, receipts)
• trade finance services (setting up and modifying letters of credit, issuing guarantees)
• financial market products (hedges, spot transactions, swaps)
• mark-to-market for structured transactions
• on-line, real-time information (interest rates, research)
• easy, continuous access worldwide.
   

OPTIM is a complete, innovative product line with an extensive range of electronic banking services.

Transfers
OPTIM payment modules offer secure environments dedicated to the management of accounts held by Crédit Agricole CIB and third-party banks. All types of transactions are processed with simple, ergonomic internet interfaces: direct debits, checks, bills of exchange, commercial and treasury transfers, and more:

• domestic transactions with solutions tailored for each country,
• cross-border transactions designed to meet international and operational standards for SEPA Credit Transfer (XML 20022)
• fund transfers between a company’s own accounts
• investment transactions.

Reporting services
Crédit Agricole CIB offers an ideal range of multi-bank, multi-company reporting services to improve your cash management at the global level:

• balance and transaction reports: position and account statements, balances on accounting and value dates, and transaction details
• intraday reports: real-time display of transactions in accounts held by Crédit Agricole CIB or other banks, via integration of SWIFT MT 942 messages
• treasury reports: loans, borrowings, foreign exchange contracts
• trade finance transaction reports: import / export letters of credit, documentary remittances, guarantees and warranties
• reports on your investments (in France).

Communication networks
Crédit Agricole CIB gives you access to many international formats and protocols for global communication via ETEBAC 3 / PeSIT / ETEBAC 5, SWIFTNet, Internet, e-mail and fax.

Liquidity management
With OPTIM you can optimize your treasury management at the global level by setting up domestic or international cash pooling operations. Crédit Agricole CIB also offers you margin pooling for your accounts held in other countries, whether in one or more currencies – a solution based on commercial margin adjustments.

Trade finance services
The OPTIM Trade portal is an interactive system designed to:

• manage import-export companies’ transactions on line with complete autonomy
• expedite all your trade finance processes
• improve reliability
• provide you with a complete report via a user-friendly, high-performance interface.

Many different modules are available:

• import / export letters of credit
• import / export transaction receipts
• issuance of guarantees
   

Attentive to your every need, our e-business and cash management teams strive to enhance our offer to find the best solutions for you.

Flexible, customized services
Because cash management is central to banking relationships, Crédit Agricole CIB designs just the right solutions to meet your needs.

Innovative, fully secure solutions
With a robust innovation policy and finely honed technical skills, the e-business & cash management team offers you optimal service quality to guarantee you the highest possible security.

Global capabilities
Crédit Agricole CIB uses its international presence and its subsidiary network to serve its clients. We can call upon our staff all over the world to develop solutions to clients’ needs in any location.

High-performance client service
At every stage of your projects, from initial consultation to implementing cash management solutions, Crédit Agricole CIB’s E-Business & Cash Management teams are always ready to provide you with top-quality service.

Crédit Agricole CIB has developed its own security system, based on the use of X.509 digital certificates and implementation of PKI (Public Key Infrastructure) architecture.

Three authentication methods offer you the highest level of security:

• user name/password : the simplest and safest identification method on a virtual keyboard
• Digipass: the best-performing identification method, offering the greatest flexibility for your needs on the go
• digital certificates: the highest standard in digital signatures.

For greater mobile computing flexibility, Crédit Agricole CIB offers you Digipass, a portable identification and signature device with a built-in microprocessor.

For the greatest possible security, Crédit Agricole CIB lets you select your digital certificate on the best platform for you:

• software certificate (stored on hard disk or company server),
• certificate on a smart card,
• certificate on encrypted USB key.

By combining X.509 digital certificates in a software platform that is fully compatible with PKI architecture and evidence archiving, Crédit Agricole CIB gives you a digital signature including the highest levels of:

• authentication,
• data integrity,
• confidentiality,
• non-repudiation