Crédit Agricole Consumer Finance

A Java-based platform that enables the delivering of a dynamic website



Our goal is to become the most recommended consumer finance company. This requires a solid data exploitation strategy, as well assignificant work on building a great customer experience.
Franck Hugot, Head of the Web & Digital Platforms team Crédit Agricole Consumer



A subsidiary of the Crédit Agricole SA group, Crédit Agricole Consumer Finance provides bank loans, revolving loans and rental loans, with a focus on the automotive market. With 9,540 employees split across 19 countries, and over nine million customers that account for €88.5 billion in managed assets, CACF’s approach to business is to provide a credit experience that is both 100% digital and 100% human..



Crédit Agricole Consumer Finance (CACF) offers consumer credit products under its Sofinco brand. Its website,, attracts one million unique visitors each month. Yet, it isn’t CACF’s only sales channel on digital media. Instead, CACF also promotes its services through multiple partners,including Apple, La Redoute and FNAC.

The platform that ran was aging and, due to the numerous content updates that were needed on the site, a reliable CMS was becoming more and more necessary. Meanwhile, the increase in mobile traffic required rapid modernization of the web infrastructure supporting the website.




million unique visitors/month on




million customers





In choosing Jahia, they found a Java-based platform that enabled them to deliver the dynamic, flagship website of their dreams, while allowing them the flexibility to build on its capabilities into the future.

With their web strategy now reliant on a modern CMS solution, Crédit Agricole Consumer Finance chose to focus on Jahia as a possible vendor. One of the key reasons for this was that much of the bank’s in-house development was done in Java, which was also the underlying technology for Jahia’s platform. On top of that, Franck Hugot received a strong recommendation from BforBank, the online bank launched by Crédit Agricole’s regional entities, which already used Jahia for its e-banking website.

Jahia’s deployment was carried out using agile SCRUM methodology, with a special focus on technical architecture. “As a bank, we had heavy security constraints,” said Franck Hugot. CACF is also developing a growing number of customer journeys for its partners. Namely, by building specialist websites that use Jahia’s APIs in headless mode.

CACF is currently exploring all the capabilities offered by Jahia. With jExperience, Jahia’s personalization and A/B testing solution, a pilot project was launched in mid-2019 to interconnect it with the DMP (Data Management Platform) solution implemented by Crédit Agricole Consumer Finance in 2017.