Crédit Agricole: Market potentials via GIS

Crédit Agricole: Market potentials via GIS

To keep up with the constantly growing needs of microgeographical analyses, the Polish subsidiary of Crédit Agricole uses a GIS by WIGeoGIS.

ArcGIS, the solution by ESRI Inc., including the WIGeoGIS extensions JoinAddress, WIGeoNetwork, WIGeoProfil and WIGeoReport, represent the primary components of the geomarketing system. Vector-based maps (WIGeoStreet) and sociodemographic market data from various sources form another important element.

Transparent analysis

The solution currently serves primarily as an instrument for supporting decisions in the development plan of Crédit Agricole. Part of these analyses involves identifying market potentials as well as the concomitant assessment of the existing distribution structure and the branch network. “The tools supplied by WIGeoGIS enable us to perform simpler analyses and promote the understanding of our distribution structures. The branch network can be more transparently analysed through the determination and assessment of catchment areas,” Bartosz Taborowski, manager in charge of geomarketing analyses for Crédit Agricole, ascertained. One of the strategic steps in the analyses was the geocoding of nine million customer addresses of Crédit Agricole with the aid of the geocoding component JoinAddress. The localised customer data in combination with the potentials data from Acxiom became an important element in the process of generating the catchment areas for the branches.

The catchment areas thus defined were used as the basis for further geomarketing analyses. These range from determining potential areas at the microlevel, assessing the competitive situation, target audience analysis, to small-scale assessment of market share.

Crédit Agricole uses a GIS by WIGeoGIS.

Automation of processes

The GIS solution implemented at Crédit Agricole makes (full) automation of analysis processes possible. This is guaranteed through the standard components ArcGIS, ModelBuilder, as well as functions from the WIGeoGIS extensions that are built into ArcToolbox:


  • WIGeoNetwork – street network analyses
  • WIGeoProfil – inheritance of information, hotspot analyses
  • WIGeoReport – batch reporting for maps and table reports


Thanks to this integration, the path from “raw” data to meaningful reports is simple and efficient. According to Bartosz Taborowski: “JoinAddress, together with WIGeoNetwork, has optimised and qualitatively improved the process of determining preference branches for every customer.”

Crédit Agricole

Crédit Agricole Poland is one of the leading Polish banking establishments and focuses on long-term customer relationships, professional and friendly advice. The bank offers its products and services in 440 branches throughout all of Poland, as well as online and via telephone banking. The company employs over 6000 persons and is part of the French finance group Crédit Agricole, which is active in over 70 countries.


Renate DUMBERGER

Key Account Manager rd@wigeogis.com
+49 89 321998 41

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