CEDICAM is the Cashflow and Payments subsidiary of Crédit Agricole. An economic interest group [GIE = groupement d’intérêt économique] founded in 1972 by Crédit Agricole SA and the Caisses Régionales [Regional Banks], it is gradually welcoming among its members the group’s new players (Calyon in 2004 and, since March 2005, Sofinco, Finaref and Crédit Lyonnais). The whole chain of design, piloting, control and management of the cashflows of Crédit Agricole, whatever their size and nature, is brought together in this entity. CEDICAM also has as its mission to promote the strategic thinking of Crédit Agricole regarding cashflow and payment.
CEDICAM offers its members complete services or ecentralized solutions in 4 major areas.
Electronic banking : Card issue / SIMON front office system / TIM back office system
Cashflow : TE/MINOS exchange system / Centralisation of cashflow / SIT / Target2 /
Security : EMV electronic banking Standard / Certification (« CA Certificate ») /
Inter-bank representation: at national and European level.
Within this framework, CEDICAM manages the manufacturing and personalisation of bank cards for the whole of the Crédit Agricole group.