La tarification et le big data  : quelles opportunités ?

Abstract

Data scientist a été déclaré le travail le plus « sexy » du xxi e siècle par la Harvard Business Review . En quoi l’exploitation des données de masse peut-elle révolutionner les services financiers et leurs tarifications ? Quels sont les freins au déploiement du big data et quelles sont les pressions ? En dépit de nombreuses limites en France, des opportunités apparaissent, qu’il faut saisir aujourd’hui. Classification JEL : G20, L11, L86, L96.

Big data and Smart data: two interdependent and synergistic digital policies within a virtuous data exploitation loop

“…Having real-time information allows a firm to be much more agile than its competitors. The firm's knowledge and anticipation of customer expectations, the appropriate pricing of its offerings, the adjustment of its guarantees, or even optimal inventory management can be greatly refined to stimulate the development of its distribution activities (Boyer, 2016). The resulting improvements in the offers and sales of the firm can provide a clear competitive advantage (McAfee and Brynjolfsson, 2012).…”

“…Friedman and Marley (2015) and Boyer (2016) inspired the items for these three macro variables. As a reminder, these same macro variables were used to create three groups of firms according to the level of their Big data activity (cluster analysis).…”

“…of individuals working in the firm. These macro variables are based on items proposed byGeorge et al (2014) andBoyer (2016).…”

Data determinants of the activity of SMEs automobile dealers

“…Whereas a firm might once have used a few megabytes of data in several days, it can now perform the same operation in a continuous flow in eminently larger volumes. Real-time access to information in its interand intra-organizational environment makes a firm more agile than its competitors by virtue of its knowledge and anticipation of its customers' needs, the optimal management of its stock or the fair pricing of its offers (Boyer, 2016). As a result, data have increased in recent years in various industries, such as the automobile industry.…”

“…sources of the individuals working in the company. The items are drawn from articles byBoyer (2016) andGeorge et al (2014).…”