Standardisation des systèmes d’information : application

dans les systèmes bancaires - Cas du Crédit Agricole

Loïs Gilles

To cite this version:

Loïs Gilles. Standardisation des systèmes d’information : application dans les systèmes bancaires -
Cas du Crédit Agricole. Gestion et management. Université Montpellier, 2018. Français. �NNT :
2018MONTD038�. �tel-02121759�

HAL Id: tel-02121759

https://theses.hal.science/tel-02121759
Submitted on 6 May 2019

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 THÈSE POUR OBTENIR LE GRADE DE DOCTEUR
DE L’UNIVERSITÉ DE MONTPELLIER
!
!
En Sciences de Gestion - Spécialité Systèmes d’information
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! Préparé au sein de l’école doctorale EDEG - Économie et Gestion

Et de l’unité de recherche MRM - Montpellier Recherche en Management

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Présentée par Loïs GILLES
Le 9 Novembre 2018

Sous la direction de Florence RODHAIN

Devant le jury composé de

Mme Florence RODHAIN, Maître de Conférence HDR, Université de Montpellier Directrice de thèse
M. Bernard FALLERY, Professeur Emérite, Université de Montpellier Co-directeur
M. Marc BIDAN, Professeur des Universités, Université de Nantes Rapporteur
M. Marc FAVIER, Professeur des Universités, Université Grenoble Alpes Président du Jury
M. Benoit Faller, Docteur en Informatique, Directeur CTA - Crédit Agricole Invité

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 Rapport de synthèse Vendredi 01 Juin 2018 à 11 h 20
Texte analysé : lois3 (636 Ko)
Le corpus lois3 a été analysé à l'aide de la méthodologie Alceste. Comme indiqué ci-dessous, 77% des unités textuelles du corpus ont été classées (niveau de pertinence), et 23% ont été rejetées
de l'analyse. Les unités classées sont réparties en 3 groupes que nous appelons classes d'énoncés significatifs ou tout simplement classes. Chaque classe est numérotée et coloriée suivant
l'ordre d'apparition dans la classification. Nous observons que la classe 1 est la plus spécifique, c'est la première à s'être détachée dans l'arbre de classification, son vocabulaire est le plus
homogène, elle représente 21% des unités textuelles classées et se caractérise par des mots tels que cout, economies, prix, gagner, cher, negocier Ensuite se détache la classe 2, qui représente
43% des unités textuelles classées : ses mots significatifs sont projet, comite, coercitif, groupe, architect, gouvern. Elle est suivie de laclasse 3 qui représente 36% des unités textuelles classées :
ses mots significatifs sont systeme, metier, information, reglementer, client, banque . La lecture détaillée de ce rapport met en évidence les lignes directrices du corpus analysé.

Niveau de pertinence
Annexe 6 - Synthèse de l’analyse ALCESTE

77% Nombre d'individus 31

gestion
Nombre de variables 1
La classe 1 contient 21% des unités competent
meilleur tarif
La classe 2 contient 43% des unités effet contrat
processus
Nbre de mots analysés 1317
qualite perdre
prestige

La classe 3 contient 36% des unités cher metier

objectif cle

client
echelle
Nbre d'occurrences analysées 50987
2008 unités réparties en 3 classes : 77% economies delai negocier payer

Richesse de l'analyse
grace

86 %
Unités non classées et rejetées : 23% equipe

banque depense comite

caisse

tirer
systeme facture Nombre de mots distincts 6354
base
cout prestat donnee prix groupe

Nombre total de mots 117280

engagement

standard
gagner eeee
information achat

volume gain ressource

applica projet reglementer
charge gouvern
concurrent

Mot associé Mot associé Mot associé

projet systeme cout
comite metier economies
coercitif information prix
groupe reglementer gagner
architect client cher
gouvern banque negocier
mimet applica effet
equipe standard qualite
travail donnee ressource
contribuer concurrent tarif
choix gestion prestat
norme+ interoperabili objectif
normatif caisse volume
choisi different depense
bonne processus meilleur
organe bancaire contrat
convergence informatique gain
*N_1 *DSI *2
*11 *f *16
*Extra *7 *Intra
*5 *18 *F
*F *IntraExtra *3
*12 *4 *N_1

© IMAGE - Alceste Education Page 1

 Classe n° 1
Cette classe est form ée de 441 unités, soit 21% des unités classées. Les mots significatifs de cette classe sont des termes tels que cout,
economies, prix, gagner, cher, negocier.

Mots significatifs Extrait des unités en fonction des mots significatifs Nuage et réseaux
Mots présents Khi2 Effectif • sur l engagement de volume par-exemple, sur des negociations de prix avec nos engager pied
descendre calculer risque
cout 157 95 fournisseurs , certaines entites disaient moi j ai un tarif meilleur que le prix immobiliser offrir
euro
puissance extreme
synergie
office inscrire
mesurer benchmark completement
economies 136 69 negocie groupe. donc elles avaient un tarif meilleur , mais certaines entites
transformer
acheter juge
argent egard niveau
expertiser
sensib facturation
centrale clairement
prix 119 41 avaient un tarif moins bon donc au global on fait un tarif entre les deux et au
embeter financier
critiquer
rendu
humain compter
apple
commercial fournisseur structure grace
gagner 111 59 benefice
indication
global on gagne , mais celles qui avaient un tarif meilleur elles perdent un peu tokyo peser
superieur feu prestige ressource facture
tenir

cher 84 43 massification
pire qualite
serbie
perdu quantifie
terme
somme
compatible taire
atteindre complexite
perdre societe
negocier 83 25 • en termes de qualite , je-pense qu on gagne quand-meme. sur les couts , on a un
regalien
amundi contrat
economiesobjectif
homme
gamme court
obtenir supporter+
effet 74 25 programme de reduction de charges, optimisation des licences, achat de prestations
mets forcement favorable
inferieur logique enorme depenser

effet cher cout negocier

industri

qualite 71 30 donc on mesure nos economies .

devoir+
reference esperer

ressource 64 31
ingenierie
tarif reactif
cle prix penaliser
echelle
tarif 57 20 • on a beneficie de la massification un petit peu, ca eu comme effet de baisser
erreur gagner
energie attendu back
negociation
global
chiffre
baisser

prestat beneficiercharge profit termiste

performant
haut volume sourcing
depenserenforcer
prestat 56 28 les prix , mais l effet indesirable de faire baisser la qualite des prestataires . delai
diminuer
appel tirer
aise
inconvenient

engagement gain direct

bete incroyable
objectif 56 30 je ne sais pas a quel point j y suis gagnant . meilleur achat optimum
rentable attentif echec mutualis
payer competent maintenir
volume 54 15 devenir+ reduire reduct
ordre
preter depart
perte masse modele

depense 50 14 • L objectif premier pour moi, c est une question de couts evidemment.
internationale
exploiter annuel
gaz
diversite
discours

meilleur 48 34 massification vis-a-vis des fournisseurs , reduction des couts de maintenance grace
contrat 47 20 a la mise en commun des systemes. je-pense que c est l essentiel. apres
gain 46 21 evidemment, il-y-a l axe qualite , cout , delais mais clairement la on est dans un
engagement 46 13
competent 45 28 axe cout .
gagner
delai
tirer
40
40
21
16
• il y avait ce fameux plan prestige , cela parait logique qu avec la puissance de fait
terme faire
feu du groupe vous obtiendrez de meilleurs prix que vous dans votre coin, donc standard
facture 39 12 reduct
vous devez travailler avec des ressources referencees prestige .
mesurer 37 18 reduire solution
echelle 36 23 • ici les achats avaient un mal fou a travailler avec des ressources referencees
groupe
prestige 36 15 dans prestige parce-que d abord sur certains fournisseurs references groupe
perdre 35 21 cher informatique
prestige , on avait des prix negocies en direct, cout
critiquer 33 12
grace 31 10 • on a cette modularite que la taille permet, on beneficie de l effet augmenter
puissance 31 13 mutualisation. meilleur delai sur les infrastructures, meilleure reactivite, effet
payer 30 18 infrastructure qui sont pretes on ne reflechit plus, on n a plus ce temps de
enorme 30 14 regarder
reflexion, on gagne en jour homme. echelle
fournisseur 29 23 dire+ mesurer
aller fournisseur
entite
*2 24 60 • notamment financier. contrairement a ce-que l on croit, on n obtient pas
*10 22 67 forcement de meilleur tarif groupe quand on est trop gros. J ai des exemples
*Intra 12 118 concrets, je peux vous dire que des societes de petites tailles ont des meilleurs
*F 9 288
*3 5 39 prix que des grosses structures.
*N_1
*10
3
2
218
30
• apres amundi reste petit, amundi ce n est pas facile parce qu on est petit, on
aller
sens
dire+
ne pese rien en termes d achats, en termes d infrastructures, sur plein d egard on objectif
*Fus 2 296 standard
coute quoi, 170millions ce n est rien. fait vecteur
Mots absents Khi2 Effectif
norme+ -24 1
• meilleurs que les prix negocies groupe et puis on travaillait avec d autres echelle
faire global
boites dont on avait des prix bien meilleurs . donc c est complique d expliquer aux
projet -21 20 groupe
collaborateurs qu il faut travailler avec ces ressources referencees parce-que le economies
systeme -21 21 gagner
chose -18 23 groupe avec sa puissance de feu a negocie et obtenu mieux,
information -18 8
echange -13 3
• ca c est un risque sur les prestations intellectuelles, les fournisseurs donc cout
dans tous les modeles que l on va retrouver avec une proposition de convergence du vue
*7 -11 15 choix
gain
*10 -10 1 groupe, on-dit attention le modele s il est pousse trop loin il tue la diversite, beneficier
sujet
*18 -10 6 • L exemple que j ai en-tete, par-exemple, c est l engagement de volume . le DSI entite arriver

© IMAGE - Alceste Education Page 2 La valeur du Khi2 indique la force du lien entre la forme et la cl
 Classe n° 2
Cette classe est formée de 883 unités, soit 43% des unités classées. Les mots significatifs de cette classe sont des termes tels que projet,
comite, coercitif, groupe, architect, gouvern.

Mots significatifs Extrait des unités en fonction des mots significatifs Nuage et réseaux
Mots présents Khi2 Effectif • on fait partie du club bigdata, et la-dessus on capitalise pas mal dans les
occasion demander
programme
effort repartir
projet 46 174 deux sens. on est en train de chercher une solution de datawise pour nos projets notamment animer decide
orientation
accelerer
proposer controler
impression plante
comite 41 41 de reporting, donc on a travaille avec l equipe architecture groupe , on est en
comprendre interesser
donner manager
reunion debrouiller mur initiative ressentir
coercitif 38 50 preuve de concept , et on partage nos retours d experiences.
rigide+
mot intellig
normatif garde
etape directeur
choisir
negatif

passer temps
groupe 35 538 venir
mener
preuve
contribuer co partage
decision apporter

architect 33 53 • et qu il fallait qu ils viennent vers les architectes pour regarder ensemble moment
semaine
presenter
amont
participe groupe lance bigdata mecanismes
ralentir
appeler
adapter

quotidien
capitaliser

gouvern 31 66 les solutions groupe et que ca pouvait etre un levier. ensuite, il nous a suffi d travaux embarquer

mimet 29 35
bouge coup
prendre imposer
tour personne+
chef
comite choisi
choix
adopter
inciter
ferme point+

avoir un ou deux bons retours d experience, pour-que cela commence a se diffuser gens pilote content

equipe 29 75 un peu, que les personnes disent: ah en deux mois vous aviez mis en-place la
seminaire liberte
challenge
collegue devops
essayer
œuvre sain
jeu club projet travailbonne utile train
conviction
fenetre

poids

travail 23 115
solution, ah vous etes allez vite
exercice
table
archivage
coercitif
passe
vrai voir
avancer
convergence
parfait of proof

gouvern norme+architect
heure
contribuer 21 23 responsa
expliquer laisser
rencontrer
levier
contraindre

choix 20 70 • C est un accelerateur, un gain de temps. non car on ne ressent pas le organe
equipe concept
reporting regulier
vraiment
compris
norme+ 19 60 sujet
coercitif . je n ai pas vu beaucoup de projets arretes par les organes de preconiser debat
idee
securite
animation
realisation
mimet
moisreponse
retour
regle

normatif 19 20 collaborer
accord
appliquer
solution poser seuil

gouvernance du groupe . blanc demarche decider social savoir+

choisi 18 25 arrete obligatoire piloter souple

robot

bonne 17 57 • quand on nous propose de participer a des ateliers, quand on me dit, ce serait
organe 17 14 bien-que tu envoies ton architecte pour participer. il fait trois ateliers mais il
convergence 17 52 me dit, bon aller a montrouge ou saint quentin pendant quatre heures et j en suis
jeu 16 15
lance 16 25 a mon huitieme atelier et puis on est en train de discuter le fait que peut-etre,
remonter
concept 16 15 la norme , gouvern
co 15 13
sujet 15 147
• il-y-a donc eu des echanges, des reunions entre les chefs de projets SI pour aller dire+
voir ce qu on mettait en œuvre. il-y-a eu aussi sur l OFACC, il-y-a eu un partage voir
partage 15 39 fait
entre les DSI pour avancer sur ce sujet et suivant la gouvernance de chaque equipe
reunion 15 12 entite
decision 15 25 entite, c etait plus ou moins avance. faire
securite 15 77 groupe mettre
animation 15 12 • regardez les solutions groupe donc a chaque fois on a pose le sujet en ce sens, projet
participe 15 22 on a communique, acculture, on a fait des communications aupres de nos equipes , de
nos managers, leur expliquer pourquoi cela avait du sens d aller vers le groupe , gros
impression 15 20 sujet
accord 14 30
passer 14 39
• moi quand j allais dans les comites d architecture groupe , on voyait chaque
travail
entite se debrouiller pour trouver son outil. apres il-y-a eu la demarche sur l niveau
pilote 14 11 an solution
*N_1 18 452 outil de filtrage, donc la il va y avoir une solution groupe , elle se met en œuvre temps mois mener
*11 12 87 mais sur toute la phase en amont, il a fallu se debrouiller.
*Extra 5 316
*5 3 66 • il-y-a eu des travaux/ un moment donne sur le bigdata. J ai l impression que
*F 3 543 cela se passe tres en/ amont, il-y-a des sujets nouveaux, on discute avec le
groupe , il-y-a un groupe / de travail qui se monte, on y va, et puis a un moment semaine
*11 3 24 securite aujourd
*8 2 61 donne il-y-a une entite/ qui est un petit peu en avance,
entite different
*Fus 2 582
Mots absents Khi2 Effectif
• on est dans vraiment dans un mode de partage , d echange, de co construction et
fait
donc le mimetisme rentre bien dans cette demarche la. on y rentre en-tout-cas, de hui
participe
systeme -68 38 ce-que j ai vu, dire voila, il-y-a CACF, PACIFICA qui ont fait ca, donc en une architect
metier -51 31 heure, il-y-a des experiences qui ont ete partagees, on choisit la solution. groupe commun
cout -44 12 comite
banque -40 0 • du coup comme on voulait aller vite sur le sujet , voir ce-que cela pouvait nous
aller
economies -40 6 apporter, en trois mois on a fait un proof of concept , on a montre que cela infrastructure
client -39 2 fonctionnait et on lance aujourd hui en/ production
*DSI -18 431 technique
*10 -7 35 • la par-exemple il-y-a eu une bonne collaboration entre les equipes chez nous et gouvern
convergence faire
*4 -4 33 CACF qui travaillent sur le bigdata avec des retours d experiences notamment. nous parler vrai travail

© IMAGE - Alceste Education Page 3 La valeur du khi2 indique la force du lien entre la forme et la cl
 Classe n° 3
Cette classe est constituée de 684 unités, soit 36% des unités classées. Les mots significatifs de cette classe sont des termes tels que systeme,
metier, information, reglementer, client, banque.

Mots significatifs Extrait des unités en fonction des mots significatifs Nuage et réseaux
Mots présents Khi2 Effectif • nous sommes obliges d avoir cette standardisation qui permet l interoperabilite interoper
norme+ protocol exposer implement
systeme 159 192 sans developper a chaque fois des choses totalement differentes les uns des transformation produire
arriver grand
minimum
moteur
commercialiser
consommation
evolutif
banking
lourd brancher couterinternet
metier 79 138 autres. le plus simple c est de partir par le bas et plus on monte, plus c est
fin+
progiciel developpement grossir
specialiser base
dependre
theme electron site
information 75 104 complique. le bas ce sont les couches techniques , l infrastructure , l hebergement signature exterieur regrouper informatique
facilement
conscience securis chose leger
reglementer 56 44 rapprochement
ligneprocessus gerer creer prise
donnee particulier
des systemes . ecran plateforme
interne parcours
client 49 48 regulateur fortune
disposer
reglementaire
technique
reglementer construire
innover
historique
service fort+ distribuer paiement
banque 48 45 • en-plus-de cela, les applications sont tres integrees dans les processus metier
immediat traitement
commune fluide obsolesc former
metier regional assur developper laboratoire politique

applica 48 77 et le logiciel implemente aussi des processus , la maniere dont le processus octroi
partenaire
standard matiere

systeme banque
consolider integrer acces univers
fondamental large urbanisation

standard 45 209 different core

les credits est tres differente dans les entites donc c est plus complique pour encadrer
permettre
fonction multi

information
model
cœur mainframe
donnee 43 40 marche culture

concurrent 40 37 rapprocher des systemes qui ne sont pas construits pour fonctionner ensemble specifique nouvel
titre
bout technolog

client
simple plan drive
deployer ambition
dette
front
ancien consommer pratique operer

gestion 39 34 • pour la couche logicielle, cela depend aussi de la partie urbanisation des
maison
probable
garder
brique
flux
applica interoperabilite
couche usine workflow
infrastructure
interoperabilite 39 22 systemes d information . je reste sur mon exemple des credits immobiliers, au sein peripheri
tech
concurrent interface referentiel
paie immobilier
caisse 34 42 carcan gestion caisse autrement mobile
rupture

de LCL c est un progiciel, donc c est une application qui est bien urbanisee dans
dose digital
produit credit bancaire
rester
different 34 97 facile organisation facilite
processus 34 62 le systeme d information , les interfaces sont clairement identifiees, il-y-a des
bancaire 32 30 echanges de services,
informatique 31 72
specifique 30 24
• dans un univers tel que celui-la et continuer a degager de la capacite d
base 27 23 investissement et continuer d innover. apres il est aussi drive par le client ,
metier
credit 27 16 nous on est tres oriente produit, le systeme d information se decline sous une aller entite
organisation 25 38 organisation produit dans le groupe fait
couche 24 20 groupe
assur 23 38 • on pourrait avoir la meme chose sur les ressources humaines. partager des different
dire+
outils sans avoir des processus associes, c est contre productif en matiere de faire
regional 23 23
technique 23 31 standardisation . apres nos metiers sont quand-meme differents , on cree des standard
cœur 21 22 systemes d information pour accompagner des ambitions de developpement de nos information specifique
systeme
nouvel 20 32 metiers .
internet 19 10 seul
exterieur 19 14 • apres organisationnellement, est-ce qu il faut aligner les organisations , j ai
utiliser
infrastructure 19 59 du mal a y croire. est-ce qu il faut aligner les processus , la facon d integrer,
site 18 9 la facon de developper etc gestion
commun
rester 18 30 chose communiquer
*DSI 34 432 • C est avant tout l organisation dans notre cas. notre SI doit evoluer pour applica interoperabilite
informatique
*f 20 326 integrer toutes les transformations issues de la revolution digitale. notre SI est
*7 16 70 trop monolithique et notre systeme avec le legacy de plus-de 20 ans d age, il faut
*18 14 43 qu on arrive a le decupler
*IntraExtra 14 354
*4 9 46 • de fichiers et tout cela est bien decrit. au sein des caisses par-exemple, c
entite
*Crea 8 273 est une application qui est plus integree au systeme d information , les interfaces cœur fait
*17 6 63 sont moins urbanisees tout simplement. different standard
aller
Mots absents Khi2 Effectif
• je ne pense pas que la standardisation / soit un frein a l innovation. ce-que l faire chose
groupe -44 200 on standardise souvent ce sont les/ couches basses des systemes , les traitements processus
choix -22 11 de masse. quand on innove, on est/ plutot sur quelque-chose de tres specifique , c groupe systeme
metier
gagner -21 4 est pour se differencier donc je/ pense qu on n adresse pas les meme sujets, les
comite -18 0 informatique
memes fonctions.
prix -17 0 applica
equipe -17 14 • je-pense/ que l innovation peut se greffer sur des systemes standardises et ligne
*N_1 -34 252 probablement/ c est meme plus simple que s il faut greffer des systemes innovants assur infrastructure
*10 -22 35 sur des/ choses tres specifiques que personne ne connait problem dire+
*F -20 358 projet banque

© IMAGE - Alceste Education Page 4 La valeur du khi2 indique la force du lien entre la forme et la cl
Analyse factorielle en coordonnées Analyse factorielle en corrélations Analyse factorielle en contributions
47% 47% 47%

groupe
comite
projet
comite coercitif
coercitif architect
groupe
prix gagner
cout projet
projet cout 53% 53% 53%
architect economiser economiser cout
gagner prix economiser
cher cher prix
groupe comite gagner
systeme coercitif cher
metier architect
information
reglementer metier
client information
reglementer
systeme client
metier
information
reglementer systeme
client

Extrait du dictionnaire du corpus trié par ordre alphabétique, avec les effectifs réels des mots dans le corpus
Mot analysé Effectif Mot analysé Effectif Mot analysé Effectif Mot analysé Effectif Mot analysé Effectif Mot analysé Effectif
accord 49 commune 57 equipe 137 infrastructu 180 parler 85 rester 65
achat 52 competent 55 essayer 79 innover 122 part 52 risque 64
action 85 compliquer 104 etude 55 integrer 53 partage 63 savoir+ 47
aller 800 comptable 46 exemple 100 interessant 54 partager 56 securite 163
an 104 compte 92 exister 56 interet 51 partie 72 sein 60
annee 69 concurrent 53 experience 63 interne 56 passe 72 sens 108
applica 146 contrainte 61 facon 67 investir 74 passer 63 service 90
appliquer 59 convergence 102 faire 896 maniere 50 penser 56 seul 104
apporter 48 cote 94 fait 625 marche 81 permettre 106 simple 49
architect 79 coup 78 filial 190 meilleur 55 personne+ 78 solution 387
arriver 140 cout 165 fois 124 metier 269 petit 130 standard 524
assur 79 creer 66 fonctionner 93 mettre 313 poser 71 strategie 87
aujourd 175 demander 95 forcement 66 mise 88 possible 53 structure 66
avancer 87 demarche 57 fournisseur 46 mode 46 pouvoir+ 67 sujet 344
banque 70 developper 94 gagner 107 modele 52 premier 66 systeme 299
besoin 126 different 202 general 45 mois 46 prendre 230 taille 59
bonne 118 difficile 45 gens 53 moment 58 problem 157 technique 61
budget 55 digital 45 gerer 89 monde 171 processus 126 technolog 96
caisse 70 dire+ 277 gestion 52 moyen 67 productif 47 temps 174
capacite 51 direction 51 global 59 mutualis 84 produit 59 terme 99
cas 72 donnee 60 gouvern 121 niveau 166 projet 331 travail 212
changer 57 donner 117 grand 60 nombre 48 qualite 45 trouver 126
cher 79 echange 85 gros 120 norme+ 143 question 110 truc 74
chercher 46 echelle 45 groupe 1306 notamment 58 rapide 51 utiliser 110
choix 134 economies 100 hui 175 nouvel 59 regarder 82 valeur 49
chose 305 egalement 49 impact 44 objectif 59 regle 49 venir 80
client 83 enjeu 62 important 101 offre 47 reglementer 62 voir 295
coercitif 70 ensemble 92 imposer 65 operat 55 remonter 54 vrai 120
comite 53 entite 694 information 172 organisation 72 repondre 61 vraiment 84
commun 179 entreprise 58 informatique 164 outils 196 ressource 46 œuvre 48

© IMAGE - Alceste Education Page 5 * Nombre de formes réduites distinctes rapporté au nombre total de formes réduite
 Individus les plus représentatifs par classe Classification ascendante sur le corpus
Individu Richesse Libellé des variables signalétiques Effectif Mot analysé
625 fait
28 69 % N_1 F 16 Inter Extra Fus 1306 groupe
4 65 % DSI F 3 Inter IntraExtra Fus 212 travail
295 voir
2 66 % DSI F 2 Nat Intra Crea 800 aller
3 70 % N_1 F 2 Nat Intra Crea 157 problem
8 64 % DSI F 5 Inter IntraExtra Fus 387 solution
230 prendre
20 67 % N_1 F 11 Nat Extra Fus 0 dire
13 65 % N_1 f 7 Nat Extra Crea 110 utiliser
7 62 % N_1 f 4 Inter IntraExtra Crea 174 temps
12 70 % DSI f 7 Nat Extra Crea 107 gagner
117 donner
6 66 % DSI f 4 Inter IntraExtra Crea 100 exemple
31 66 % DSI F 18 Inter IntraExtra Crea 313 mettre
16 66 % DSI F 9 Inter IntraExtra Fus 179 commun
190 filial
29 65 % DSI F 17 Inter IntraExtra Fus 106 permettre
17 68 % DSI f 10 Nat IntraExtra Fus 0 norme
122 innover
163 securite
110 question
126 besoin
104 an
146 applica
120 vrai
166 niveau
134 choix
137 equipe
102 convergence
344 sujet
118 bonne
165 cout
140 arriver
331 projet
121 gouvern
130 petit
120 gros
305 chose
180 infrastructu
896 faire
524 standard
126 processus
104 compliquer
269 metier
164 informatique
202 different
101 important
299 systeme
172 information

Individus les plus représentatifs par classe

Classe 1 Classe 2 Classe 3

negocier systeme
tarif information
cout standard
ressource applica
cher metier

cout
prix
cher banque
effet information
qualite gagner travail travail information
gagner cout ressource projet travail projet standard reglementermetier donnee systeme
economies economieseconomies architect projet equipe systeme client systeme applica information
prix prix architect coercitif metier applica banque
cout mimet reglementermetier
negocier cher cher equipe gouvern gouvern information client client concurrent
cout gagner comite banque information reglementer
28 4 2 3 8 20 13 7 12 6 31 16 29 17

© IMAGE - Alceste Education Page 6 Abscisse : Numéro de l'individu - Ordonnée : Khi2 de l'individ
Annexe 7 - Plan Moyen long Terme Crédit Agricole 2020
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Annexe 8 - Synthèse gouvernance des SI - Octobre 2016

1. Présentation de la Gouvernance SI Groupe

Synthèse
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 Principes et objectifs
de la nouvelle gouvernance

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 Principes généraux

Tout ce qui est présenté ici doit être considéré comme étant en aval des décisions métiers et
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service de ces derniers.

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GHJpUHUO¶DOLJQHPHQWWHFKQLTXH.

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O¶RUJDQLVDWLRQGX© comment ª/¶REMHFWLIHVWO¶DOLJQHPHQWWHFKQLTXHDXQLYHDXGX*URXSHjFKDTXHIRLV
que cela fait du sens.

/¶DQDO\VHSRUWHVXUWRXWFHTXLHVWtransversal, ce qui est mutualisable, ou qui a de fortes

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traiter par les métiers.

Un des objectifs majeurs est également de favoriser le regard croisé au niveau DG pour faciliter la
cohérence et arbitrer les interdépendances entre les grands projets.

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 Exemples de questions clés à résoudre

Quelle doit être la position du Groupe Crédit Agricole vis-à-vis de grands enjeux techniques tels que
le « Cloud », les logiciels « as a service ªHWF«"

Comment optimiser la stratégie de sourcing du Groupe Crédit Agricole ?

Comment garantir une parfaite coordination entre les différents acteurs du Groupe Crédit Agricole
sur les grands projets transverses.

Peut-on partager un objectif clair de standardisation des applications du Groupe Crédit Agricole qui
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plusieurs entités du Groupe Crédit Agricole ?

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DSSOLFDWLYHHWG¶LQIUDVWUXFWXUHSUpYXVGDQVOH307"

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 Les instances de Gouvernance SI Groupe

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 La mise en place de nouvelles instances SI Groupe répond à 6 objectifs

Favoriser le jeu croisé et le jeu collectif entre les Entités (CASA, filiales de CASA, CATS, CRCA)

Focaliser le temps des dirigeants du Groupe sur les sujets SI critiques nécessitant une
attention managériale forte ou présentant des enjeux de coordination importants au niveau du Groupe

Apporter aux dirigeants les moyens de pilotage leur permettant de prendre les décisions de leur
ressort

Instruire, au niveau du Groupe, des sujets SI structurants et transformants "sur le comment"

Assurer la robustesse des solutions techniques du Groupe, en formalisant les étapes et le

contenu du processus d'instruction des projets et solutions au niveau Groupe

Mettre en place une gouvernance resserrée, de niveau Groupe, sur les programmes et projets
transverses

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 Articulation des instances de Gouvernance SI Groupe

Macro-schéma des instances SI Groupe Composition

Instance faîtière COSI1 ‡ Représentation paritaire CATS / CASA

(de niveau DG)

‡ COPI paritaire (de niveau DGA),

Instances agissant sur délégation du COSI
COPI2 CSIG3 ‡ CSIG (instruction des sujets SI
opérationnelles
structurants pour le Groupe)

Instance Comité des ‡ Comité élargi à l'ensemble des DSI du

d'orientation DSI Groupe

Instances Convergence ‡ Création de 3 instances Groupe

Infrastructure Architecture
spécialisées Applicative4 (dont Infra & Archi : co-présidence CASA
CATS)

La composition des comités est définie de telle sorte à assurer

la représentativité de l'ensemble des Entités du Groupe
1. COSI = Comité d'Orientation Stratégique Informatique 2. COPI = Comité de Pilotage Informatique 3. CSIG = Comité SI Groupe 4. Comité temporaire mis en place dans le cadre du PMT

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 Missions résumées des comités SI Groupe

‡ Valider la stratégie technique et de moyens et la vision à moyen terme des SI du Groupe

Instances
COSI ‡ Valider les modalités techniques pour le lancement et assurer le suivi actif des projets SI transverses majeurs
faîtières ‡ Consolider et suivre une vision globale des investissements / dépenses SI

‡ Définir des orientations sur la stratégie technique et de moyens du Groupe et la vision à moyen terme des SI
du Groupe, proposées ensuite au COSI pour validation
Instances CSIG
‡ $VVXUHUOHVXLYLGHODPLVHHQ°XYUHGHVchantiers SI du PMT
opération- ‡ Suivre la dépense SI Groupe
nelles
COPI ‡ Valider les modalités techniques pour le lancement et assurer le suivi actif des projets SI transverses majeurs
non éligibles au COSI
‡ Animer la filière des DSI du Groupe et assurer la circulation d'information sur les sujets clés
Instances Comité des
‡ Participer à la GpILQLWLRQGHVPRGDOLWpVGHPLVHHQ°XYUHRSpUDWLRQQHOOHdes orientations stratégiques validées
d'orientation DSI par le COSI et/ou le CSIG

Architecture ‡ Définir les orientations relatives à la convergence technique, fonctionnelle et applicative de niveau Groupe
‡ Valider les principes et normes Groupe relatives aux infrastructures de production / à l'architecture
‡ Préciser le volet infrastructure de production / architecture que le sponsor de tout nouveau projet SI transverse
Instances Infrastructure doit instruire en amont de la présentation au COSI / COPI
spécialisées
Convergence ‡ Identifier et instruire les opportunités de mutualisation applicatives KRUVF°XU6,EDQFDLUH HQWUH(QWLWpVGDQVOH
applicative cadre du PMT

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 Articulation avec les instances faîtières Achats et Sécurité Groupe

Le COSI et le CSIG jouent un rôle de

COSA prescripteur dans l'instruction des
les fournisseurs
besoins SI, SI
ou la sélection des fournisseurs
(Achats)
Le COSA choisit et pilote la stratégie
d'engagement avec les fournisseurs SI
COSI

Le CSG détermine les projets

CSIG
Le CSIG instruit les dossiers
stratégiques pour le compte du
COSI, et transmet ses propositions
G¶RULHQWDWLRQau COSI pour décision
régaliens de sécurité du Groupe, non
Comité Sécurité arbitrables par une autre instance
Groupe (CSG)
En particulier, l'ensemble des
orientations et projets relevant de la
sécurité SI sont adressés par le CSG,
qui joue un rôle de prescripteur auprès du
COSI

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 Lancement et suivi des projets SI transverses

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 3 types de projets SI identifiés comme "transverses" nécessitent un suivi Groupe

Projets règlementaires Projets multi-Entités Projets à effets collatéraux

Projets initiés par une décision Implication d'au moins deux Projet impactant directement
de niveau Groupe, en particulier Entités de CASA (Holding et/ou ou indirectement l'exécution
sur les fonctions régaliennes filiales) et / ou des Caisses d'autres projets ou processus au
(Conformité, Risques, Finance) régionales distinctes dans le sein d'autres Entités
lancement et la mise en °XYUH du
projet
Projets initiés par un
producteur nécessitant une
coordination avec le distributeur
(ou inversement)
Illustration

‡ Newport (CACEIS / Amundi,

‡ DigiConso (CACF / LCL et
CAA)
‡ IFRS 9 Caisses Régionales)
‡ Décommissionnement RICOS
‡ 3PG
(CACIB, CASA)

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 120 projets transverses seront suivis au niveau Groupe

Segmentation des projets transverses identifiés à date par typologie (nombre de projets)

64
(54%)

118

43
(36%)

11
(9%)

Total projets transverses Projets règlementaires Projets multi-Entités Projets à effets collatéraux

Budget pluri-
694 226 331 137
annuel1 total (M¼)
Exemple IFRS9, PALMA... DigiConso3*« Newport...

1. Prise en compte du budget 2016 pour les projets dont le budget pluriannuel n'est pas disponible à date (en cours de spécification avec les Entités) ± excluant des projets en cours de finalisation (CRRV4, New
Sesame, et Portail Collaborateur des Caisses Régionales)
Source : Analyses préliminaires préparées par l'équipe Gestion Projets Groupe de la DSI Groupe, Entretiens avec les Directions SI des Entités
Note : Le terme d'Entités englobe les Filiales CASA et les 39 Caisses Régionales (considérées comme une Entité unique)

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 Les projets seront segmentés selon des critères de taille,
de portée stratégique et de niveau de risque

1 Critère de taille
+ COSI
Focalisation du COSI sur les projets ayant ~15 M¼
les budgets pluriannuels les plus substantiels
COPI
1 Taille du
projet ~5 M¼
2 Critère de portée stratégique et
niveau de risque Petits projets

Au-delà de la taille, focalisation du COSI / COPI

sur les projets répondant à un fort enjeu ±
± +
stratégique (PNB / coûts, impacts sur 2 Portée stratégique /
l'expérience clients, impacts sur les processus niveau de risque
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opérationnel)

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 Lancement des projets SI transverses

Pour chaque projet transverse, la décision sur les modalités techniques pour le
lancement est instruite dans un seul comité de niveau Groupe, et c'est le même
comité qui en assure ensuite le suivi, sans se substituer à la gouvernance projet
Chaque projet transverse est instruit "nativement Groupe", afin d'assurer une
adéquation avec la feuille de route SI Groupe
Nature du suivi :
Circuit simplifié Pour fournir toutes les clés de décision aux dirigeants du Groupe, des dossiers
et instruction d'instruction normés sont préparés par les Sponsors des projets, avec l'appui de
professionnalisée l'équipe CASA/SIG/Gestion des Projets Groupe1
Avant les COSI et COPI, O¶pTXLSH6,**3*DXUDdeux rôles essentiels :
Vérifier la complétude du dossier (budget complet, ROI, planning, explicitation de la solution
choisie, analyse des risques...)
S'assurer que les volets techniques du dossier auront reçu les 6 "feux verts" des
représentants des instances spécialisées (architecture, infrastructure, convergence
applicative, sécurité, achats, feuille de route SI)

1. GPG : Gestion des Projets Groupe

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 Parcours des projets SI transverses

Proposition Etude et cadrage Spécifications et développements

Le lancement de Le programme / projet est instruit "nativement Le suivi sera assuré par l'instance de validation, sauf
l'Etude est validé au Groupe" pour les projets éligibles à la « procédure légère »
niveau de l'Entité
Pilote Une fois la phase d'étude complétée, le COSI ou le
Tableau de bord de l'ensemble des projets présenté
COPI seront sollicités pour valider les modalités
systématiquement
Le COSI peut être techniques pour le lancement effectif du projet
Zoom sur les projets en alerte
informé en cas de Un dossier de présentation sera constitué par
lancement d'une Zoom sur chaque projet tous les 6 mois
l'équipe projet sous la supervision du Sponsor
étude majeure
L'équipe Gestion Projets Groupe en vérifie la
e.g. lancement de
complétude et la qualité
l'étude IFRS9

Préparation du dossier de Dossier de suivi (~4 p) qui met

lancement (5-10p.) présentant en avant les avancées, risques,
de manière détaillée le projet les décisions attendues

Validation du lancement projet Suivi Suivi

par le COSI / COPI Semestre 1 Semestre 2

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 3UpSDUDWLRQG XQGRVVLHUQRUPpSRXUOH&26,&23,O¶pTXLSH6,**3*HQYpULILHOD
complétude et la cohérence avec les mandats régaliens SI Groupe
Structure du dossier Préparation équipes SIG/GPG
1 Description du contexte, des objectifs et enjeux du projet
Description du projet Description de la solution (fonctionnalités, choix techniques...)
Contribution du projet / programme au PMT du Groupe

2 Eléments de conduite du projet (sponsor, équipe, gouvernance,

Conduite du projet planning, lots, budget, plan de charge, risques identifiés, ...) Vérification de la
complétude du dossier
3 Budget en ¼ coûts complets, de bout en bout
Complétude du volet Contingence adaptée au projet définie
financier Engagement de ROI
Entités adhérentes et évaluation des options de financement

4 6 "Feux verts" Cohérence avec la feuille de route SI du Groupe et adhérences avec Vérification que les
Infrastructure d'autres projets / programmes (déjà lancés ou à venir) volets techniques du
Architecture Adéquation avec les exigences du Groupe (politique, standards, dossier ont reçu les
procédures ...) sur les volets infrastructure, architecture, convergence
Convergence Appli. 6 "feux verts" des
applicative, sécurité1, achats
Sécurité Avis et / ou recommandations émis par les responsables de niveau
représentants des
Achats Groupe sur les volets techniques (infrastructure, architecture, sécurité) instances
Feuille de route SI
spécialisées

1. en lien avec la Gouvernance sécurité SI

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 Annexes

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 Glossaire des acronymes utilisés dans le document

Entités Instances

‡ CASA : Crédit Agricole S.A. ‡ COPI : Comité de Pilotage Informatique

‡ CATS : Crédit Agricole Technologie & Services ‡ COSA : Comité d'Orientation Stratégique Achats

‡ CRCA : Caisses Régionales du Crédit Agricole ‡ COSI : Comité d'Orientation Stratégique Informatique

‡ FNCA : Fédération Nationale du Crédit Agricole ‡ CPAEG : Comité de Pilotage Architecture Entreprise Groupe

‡ SIG : Systèmes d'Information Groupe ‡ CSG : Comité de Pilotage Sécurité Groupe

‡ CSIG : Comité des Systèmes d'Information Groupe

‡ GII : Comité de Gouvernance Informatique et Industrielle

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