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Google put on mobile payments

It is a revolution as important as the emergence of the credit card there are more than thirty years! Within a few months, the mobile phone will be used to pay for purchases, store loyalty points, get discounts … It is a certainty, while Google announced yesterday the launch of its electronic wallet from that Google Wallet been to San Francisco and New York.

Mobile payments, we talk a long time. Japan had taken a step ahead. European operators will all work. The French have even launched last year in Nice with success, and Eric Besson, Minister of Industry, has promised that 9 other cities would quickly adopt it. But the announcement of Google reshuffles the cards and give a real boost. For three reasons.

First, its strike force.It is a global leader enters the market with other global giants MasterCard and Citibank, bank side, Ingenico payment terminals and telecom operator like Sprint. He wants to generalize his service in 20 U.S. cities by the end of the year. And already negotiate with major European operators to launch in Europe next year. Second, to pay with his mobile, it is that traders are also equipped with readers. Now Google will subsidize the market by financing the equipment traders.

Thirdly, Google goes far beyond the mere payment: the Google Wallet is a real vacuum services: it helps make couponing, store loyalty points and activate automatically. "It's awesome in terms of promise and customer value creation.Mobile payment alone is not profitable, what counts is the whole ecosystem of services around, "said Stéphane Dubreuil, director of the firm Sia Council fast cash advance loan.

Specifically, Google knows, thanks to Google Search, a search engine, you went 20 times on the Internet sites of course. He knows with Google Maps that you walk near a golf shop. He can with Google Wallet send you a promotion that will make you enter the store. Then you will pay and store your loyalty points. "There is a side Big Brother, which can be a hazard if struck public opinion, but the attractiveness and ease of product should forget that aspect," said Virginia Laz, associate director at Bryan Garnier.

The delay of Apple

This is the first time a giant web between and walk-in retail."Google returns to the brick and mortar and will potentially be able to receive a commission on all transactions in the physical world. It's huge! , "Says Stéphane Dubreuil.

The arrival of Google, if it gives a boost to mobile payments, is also dangerously compete others. From yesterday, eBay and its payment subsidiary PayPal, which represents 20% of traffic off the credit card payments over the Internet, filed suit against Google, accusing it of stealing trade secrets, especially in recruiting one of its leaders.

Apple, far behind mobile payments, is obligated to respond. Even if the future iPhone 5 allows to make payment, their model risk is still very closed to show its limitations.

Slow start for the chain of Oprah Winfrey

Oprah Winfrey is far from having won his wager. Launched in early January, its new cable channel: Oprah Winfrey Network, OWN has not yet been proven. After initial success due to the curiosity of millions of Americans who admire Oprah, the chain is always looking its audience. Over the last three months, attracting 149,000 viewers on average than at any time of day. Only 6% better than Discovery Health, chain it replaced in bouquets of U.S. cable operators.

In prime time, the programming feature designed by the world's richest television, attracts 291,000 viewers on average, only 17% more than the emissions that Discovery has dropped to make room for this joint venture to 50 % with Oprah Winfrey.It is the first attempt to climb a chain around the aura of a personality.

Oprah Winfrey and Discovery remain optimistic. Provided their goal of break-even point in the first year of operation of the channel seems increasingly elusive.

Discovery has agreed in any case to inject 50 million dollars in the project this year. An amount in addition to the 189 million already invested during the preparatory phase to launch OWN, which lasted nearly three years.

Wrath of the "queen"

According to the press in the gossip of the media world, "the queen of talk show" was angry after a series of meetings with colleagues, alarmed by the poor viewing figures cash advance. "I built this system with my own hands, I expect all those who are employed here work hard for the next two years.If the audience rating does not take off soon, heads will fall, "shouted the imposing Oprah Winfrey.

First decision to boost its ratings, OWN announces six new series of programs. These documentaries or reality television productions. "Confronting …" for example, presents the efforts of crime victims to face their attackers.Both parties try to experience each other overcome their trauma.

Another program "Unfaithful: Stories of Betrayal" (Infidel: Stories of treason) shows how couples torn by adultery manage to save their relationship with the help of a therapist.

These original programs are supposed to support the public's attention before the "queen" in no more come in September consistently lead the interviews and documentaries on its own channel.

Indeed, paradoxically, the great "talk show" Oprah's syndicated on hundreds of different channels are not broadcast on OWN. Its latest edition, scheduled on May 25, looks spectacular. Oprah calls on advertisers not less than one million dollars for an advertisement of thirty seconds.

Fears on debt may bend the Paris Bourse

After closing below the threshold of 4,000 points on Wednesday, the Paris Bourse continued its downward trend on Friday as geopolitical tensions are again on top and the price of oil rising again after the decline recorded Thursday. At the opening, the Cac 40 falling 0.97% at 3925.73 points. Yesterday, Wall Street ended its biggest drop since August, while that night, all Asian markets operated in the red, hit by the publication of disappointing indicators for two days and a severe earthquake Japan. Finally, the debt crisis in the euro area is restarted after the deterioration of the debt rating of Spain on Thursday. A situation that only reinforces the pessimism on the Paris exchange. The Heads of State and Government of countries of the euro area will meet today in Brussels.A planned meeting to endorse the pact competitiveness of Germany, but could develop into a crisis meeting to address the problems of sovereign debt of countries in the area.

Moreover, the situation in the Middle East and North Africa continues to worry investors. Unrest in Saudi Arabia, world's largest producer of oil still increases threaten to crude prices, a scenario that the market interprets as a brake on economic recovery. Operators should be particularly careful on Friday to call for demonstrations in Saudi Arabia. In morning trading, oil prices increased again after the decline Thursday. A barrel of light sweet crude for April delivery took 14 cents to 102.84 dollars.That of Brent North Sea crude for April delivery yielded 23 cents to 115.20 dollars.

On the macroeconomic front, the news is not much brighter. The Bank of France announced on Friday a widening of the French current account deficit, which rose from 4.9 billion in December, to 5.1 billion in janvier.Aux United States are expected this afternoon Product details for the month of February (1430), the index of consumer confidence in March from the University of Michigan (3:55 p.m.) and stocks and sales of businesses for the month of January (1600).

As for currencies, the euro is recovering slightly against the dollar Friday after his significant decline from the previous day due to the deterioration of the Spanish sovereign rating, while the yen fell suddenly to the announcement of the tidal surge that came the earthquake in the night. Around 8:00 in Paris, the euro bought 1.3805 dollars against 1.3794 on Thursday.The European currency also gained against the yen at 114.96 yen against 114.41 yen Thursday evening

Failure of new R & D for Sanofi-Aventis

Sanofi-Aventis – 1.03%, to 50.15 euros

The pharmaceutical company Regeneron Pharmaceuticals and the U.S. announced Thursday that its experimental treatment against a certain type of lung cancer did not achieve the primary goal of clinical late stage.

Rally: – 1.23%, to 31.71 euros

The holding company of Casino, announced Friday a net profit in 2010 declined significantly affected by higher financial expenses and the lack of more significant capital gain, and propose to the title the past year a stable dividend .

No dividend Haulotte Group

Haulotte Group: – 9.73%, to 12.80 euros

The group reported a 2010 sales up 23.8% to 250 million euros, but has remained in deficit, with a net loss of 42.2 million euros, mainly because of high cost of its center of production units and maintaining a high level of reserves customers. The group will not propose a dividend for 2010.

Legrand – 0.53%, to 28.24 euros

Legrand announced Thursday it had issued 400 million euros of bonds at 4.375% Maturity 2018 at the resale price of 99.616%, the operation with a yield of 118 basis points over swaps.

GFI: 2.29%, to 3.58 euros

The group announced Thursday it returned to profitability in 2010 and looked forward this year a further improvement in operating margin.

NextRadio TV: 0.93%, to 15.15 euros

NextRadioTV said Thursday expect a double digit growth in revenue from its radio division for the first quarter of the year after being returned to profitability in 2010.

GDF Suez: – 0.93%, to 27.03 euros

HSBC lowered its recommendation from neutral to underweight on the title of the gas giant, and cut its price target to 26 euros from 30

Chargers: 2.58%, to 5.17 euros

The group published a annual turnover up 13.4% over fiscal 2009 and has returned to profitability in 2010, driven by volume growth, cost savings and a good ability to absorb rising commodity prices.Operating income was 21.3 million euros, against a loss of 22.6 million euros a year earlier.

Balthazard Michel: "I want to recognize my innocence Renault"

LE FIGARO. – How did you get into this business?

Michel BALTHAZARD. – It hit me on January 3 at 8:00 am. My supervisor, who was Odile Desforges, had convened a meeting under the pretext of talking about a problem. I came from vacation with my family. Soon, Jean-Yves Coudriou, the executive director of the Renault executive who took his place. He said: "Michael, we t'accusons corruption by organized involving the interests of Renault and possibly the benefit of a foreign power." He added: "You must tell us why you did it." I told him I did not understand what he told me. I asked him the items. He refused to give me. After 10 minutes, I told myself: "You've fallen into something unimaginable."He served my notice for interview prior to possible dismissal on January 11 with the letter that goes. It stopped there. At 8:30 it was over.

What happened next?

Two members of the security escorted me to my car. At 9:30 am, access to my two laptops and the Intranet was cut. I just had time to call my wife. The next morning, I called Jean-Yves Coudriou and I reminded him that I had not done anything, never committed any crime, the slightest mistake vis-à-vis Renault. I am a stranger to this whole thing, do not resign and Renault's interest to conduct a serious investigation, 'I said.

How did your interview prior to dismissal, the 11?

Jean-Louis Coudriou read me the letter of dismissal.I asked two questions: what evidence you have on the money that I received from abroad? What builds your belief that I gave information in exchange? He said he does not tell me anything and he would give all the elements to justice. I came out, it lasted 20 minutes. Through the front door, which surprised many Renault. Since then, the group does not send me any information. I discovered all by the press.

How did you experience the following weeks?

It was horrible. I spent a month dispirited, sounded like a boxer who took a knock on the head. I spent days sitting in a chair thinking: what happens? What will become of me? I am nothing. It's awful. I could not do anything. I forgot my keys on the same door out to buy bread.I got into a big void. Did not call nobody or almost. And when the phone rang, I jumped.

Have you been questioned by police since the beginning of the case?

Yes, twice, 8 and 17 February, by the police to confirm the complaint that my lawyers had filed for false accusation after the anonymous letter. This letter is pathetic, there's nothing inside. For me it's a filthy garbage which I do not know the source. I have only one certainty: This letter was posted by someone at Renault. When I think it is from this that some have found it in three months dessoi-called offshore accounts and a whole complicated financial circuit. It's very hard …

But you have heard from the DCRI investigating the suspicions against you?

No, nothing. No one came or called me to ask me any questions.Yet every morning, I was expecting a raid at my home by the Central Directorate of Internal Intelligence. With my wife, we had prepared all my bank records. I did not see it coming and stayed as paralyzed. Apart from my family and friends, I have not told anyone.

You do not even try to join your former colleague Bertrand Rochette, also in turmoil?

If during the first two days of the case, I called Bertrand after discovering that he was also accused. I asked him what had happened. He replied that he too could not understand what was happening by adding "I do not resign …." Then, by tacit agreement, we made the decision not to call us.Only last Friday, when reading the words of Patrick Pelata in Le Figaro, that I contacted him because Renault's position has changed and history is now unraveling. Finally, we begin to see the end of the tunnel and the truth will finally burst …

That is to say?

For me it is incomprehensible. Initially, plumb in front of Renault, I expected that I was so doctored evidence to me that one waving a fake file or fake bank accounts as the Clearstream affair. But ultimately, I think we're dealing with a fraud much less complex than that, a rather rough handling.

You want to reinstate the company?

I measured with this case, the total lack of confidence in the general direction towards me.And to think that I can work again in this framework, with people who claimed the convictions as what I was guilty I simply unimaginable. No going back to work at Renault. It's a tear. I love this club and I still love it. Every morning I went to work with pleasure. I had teams that I like. I must make up my mind all that. It's very hard. Today with my wife, one wonders about the meaning and balance in our lives.

Will you seek redress?

Of course! I was still dirty and thrown to the lions in front of the world. Naturally, I will ask for financial compensation to the height of the terrible harm that I caused. As a member of the steering committee and director of projects "upstream", I was paid about 300,000 euros per year, including bonuses.I still had five years to the company, the top five in terms of wages. I would work but surely I shall never find the same type of salary and responsibility. I lost my honor and part of my physical resources. And I can tell you that after 33 years of career, I left Renault with 389.51 euros for final settlement.

You suspect you are rich, what is your lifestyle?

I am an engineer and I have no particular lifestyle. Like every year, I went to Tignes at Christmas to family skiing with my children in a rental that cost me 2800 euros. I spent my vacation last summer in my country house, bought twelve years ago, near Lyons-la-Forêt in Eure. And then in May 2010, I went with my wife to do the Tour de Corse motorcycle, with my old BMW. It is true that the night we slept at the hotel. Finally here.What do you want me to tell you …

Would you like Carlos Ghosn all responsibilities?

Senior management must take responsibility, but I want to say that Renault is a company I love and I do not want to destabilize. I have no desire for revenge. I do not want to fall head. For the parallelism of forms, I expect Carlos Ghosn returned to log 20 hours to announce that he was wrong. I also expressed that the prosecutor on the radio as he did when he received the complaint.

If your innocence is proven, will you file a complaint against Renault's your turn?

It would not be responsible, as a former officer to go to court. I will do nothing to put the company at risk. I am confident that Carlos Ghosn, Patrick Pelata to meet their responsibilities.My goal is that my innocence is acknowledged publicly and officially. Overnight, I was kicked out, thrown into this lamentable affair without anyone at the branch, has had the courage to say anything in front. And that, I do not admit it. On 18 January, I put my business in Technocentre and I found myself outside. I crossed one. It was 10 o'clock in the morning. It was 33 years old who stopped. I will not come here anymore I tell myself, except the day I speak with Patrick Pelata and Carlos Ghosn. Eye to eye.

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Scholarships: NYSE Euronext and Deutsche Boerse want to become world leader

Deutsche Boerse and NYSE Euronext are in "advanced negotiations" for a merger. Both companies have warned in a statement that the outcome of the discussions was still open. Together they form the first stock exchange in the world, before the Hong Kong.

The new group would have a dual headquarters in Frankfurt and New York, and the merger would release 300 million annual savings, they said. Shareholders of Deutsche Boerse would be the majority, with 59% to 60% of the shares.Reto Francioni, head of Deutsche Börse, would be non-executive chairman, while Duncan Niederauer would be the operational head or at the same place as at NYSE Euronext.

Nicolas Rolland, a trader at Societe Generale, said that for Scholarships, "reach a sufficient size is a strategic aim of achieving economies of scale classics, but mainly to develop new services, facilitated by large volumes. This moves the harsh price competition, downward, to the service, more diverse and cash. "

A return to "normal"

In 2007, when NYSE and Euronext merged, traders were disappointed that they wanted to merge with Euronext Deutsche Boerse."If the two merged entities, the operators would take it as a return to normal," said Djillali Hacid, analyst XTB France.

This merger, there are more than three years, had inspired a Directive at European level in order to end the monopolies of the major exchanges. Since then, competition has set in, and NYSE Euronext has lost market share. "For NYSE Euronext, such a merger is justified by the desire to regain strength," says the expert.

Indeed, the platform Chi-X Europe, born after the EU directive, in 2010 became the second exchange in Europe behind the London Stock Exchange and NYSE Euronext relegating to third place. And in recent weeks, the big U.S. platform Bats Global Markets seeks to acquire Chi-X.Both parties are in exclusive negotiations and an announcement is expected later in the month of February.

In exchange, Deutsche Boerse gained 1.7% to 58.42 euros just before the trading halt that occurred on Wednesday afternoon, while NYSE Euronext clinching 11.66% at the Paris Bourse. About 18 hours, the NYSE Euronext shares have resumed trading at Nex6york: it fly off

"Historically, mergers do not create value for shareholders," warns Derek Lawless, director of France Worldspreads. "The example of marriage between Alcatel and Lucent is the most blatant. Must observe a high degree of distrust. In a difficult environment we seek opportunities to reduce costs, and sought a merger with a partner.Historically this kind of operation comes almost too late, "he said again.

The London Stock Exchange offers itself as Toronto

These discussions have no connection with the announcement that took place that day on the very next purchase of the Toronto Stock Exchange TMX by the London Stock Exchange. A transaction that will create the fourth World Stock Exchange, with 4100 billion shares traded per year.

Their merger will create the first global platform for trading companies specializing in natural resource extraction and energy production. Both exchanges intend to capitalize on the craze for global commodities.

The new entity will become world also tops the list of global equity groups by the number of listed companies.In terms of market value, the combined group, which has not yet given name, would rank seventh, with a value of about $ 7 billion.

Toronto and London are already places of choice for producers of raw materials, and joining forces, they hope to attract even more companies in this sector, explained their leaders, the American and French Tom Kloet Xavier Rollet, who will become president and CEO of the new group. They count and enjoy the fact that many mining companies, including Russia and Asia, seeking to go public to finance expansion of their activities, struggling to follow the explosive growth in demand for raw materials in emerging countries.

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A Lotto winner buys the box and save jobs

Between fiction and reality, sometimes there is only one step. With 10 million euros in his pocket, the winner of the Norman lotto jackpot last September showed that by making as in the French pub games: he bought the box and kept his old boss.

This winner, who wishes to remain anonymous, did however not to taunt his former employer, but to "avoid as 13 or 14 guys do become unemployed," says he to Parisience Monday. Indeed, the transport company where he worked as a truck driver was in receivership when it wrapping up the loot. Seeing his SMEs about to close its doors, he did not hesitate to spend hundreds of thousands of dollars of his new fortune. "I was the only potential buyer, says he. In addition, transportation is all my life.We do not stop like that overnight. "

"If I see that I lose too much money, I Quit"

Today 100% shareholder, the anonymous millionaire became CEO. His former boss, left the company, keeps him, some responsibilities. This old son of a laborer, truck driver for nearly 30 years, says not to play with his tyrannical boss and former colleges do not hesitate to take the wheel in the absence of one of its employees. The head change in direction would also not change their relationship. His former colleagues on "respect" because "they know I like them as a driver. Tour, I made them. " The fifties, however, warns he will not play in the super-savior forever: "If I see that I lose too much money, I stop."

The nouveau riche, which ensures not yet have taken a vacation, prefers to grow his millions in "the stone and secure investments." Meanwhile, her story will remain etched in the annals of French games that ensures they never saw a former employee, winner of a jackpot, buy his old company. Let alone keep his boss.

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Total is betting Queensland

The ad may appear shifted. This Thursday, Total launches with partners Santos, Petronas and Kogas, a project of extraction and processing of liquefied gas in fields located in Bowen and Surat. Common point between these two pools: they are located in Queensland, one of the regions currently scuba Australian waters.

Although Queensland is experiencing its second wave of flooding in just 2 years, Total has never sought to withdraw from this project which plans are developed for several years. GLNG baptized, it includes the extraction of coal gas, construction of a pipeline of 420 kilometers and a liquefaction plant with a capacity over time will be 7.2 million tonnes per year. First deliveries are expected in 2015.

Gradually increased the total capital GLNG eventually hold 27.5% of the project.This represents an investment of about $ 4.4 billion.

"There are always risks"

The bet is it risky? "The risk is always there. We can not stop investing whenever something happens, slice a spokeswoman of the group. The weather is indeed a risk. But our partner Santos has conducted several studies on the subject. We have been working on and we are confident in the long term, "she adds.

The potential for the Australian region for the entire group was too important to be left to competition. Resources assets of the two basins in which investment takes place is estimated "at over 250 billion cubic meters of gas," explains the group in a statement. With this project, Total also achieved its twin objectives: to increase in the segment of unconventional gas and liquefied gas.Finally, GLNG opens access to the huge Asian market for liquefied natural gas.

"With this project, our objectives are achieved. It's part of our large strategic sites, "says the spokesperson. However, there is no question, "the moment" to raise attendance at more than 27.5% in this project.

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Russia: France managed to sell Mistral

After many twists, Russia chose France for the supply of its warships. A joint Russian and French presidencies, released Friday, says "that after the international tender launched on October 5 for the supply to the Russian Navy in two buildings Projection and Command (BPC) Russian authorities have accepted the offer by the consortium formed by French manufacturers DCNS and STX and Russian shipyards OSK.

The offer in question provides, "initially" the joint construction of two warships Mistral.The bilateral agreement should then be extended "by making two additional units," the statement said.

According to the Elysee, "the construction of PCBs represent Russia for the French industrial DCNS and STX equivalent of 5 million hours or 1,000 people for four years, mostly in Saint-Nazaire.

"An unprecedented cooperation"

After long blown hot and cold on this issue, Russia therefore accepts the French offer payday loans for bad credit. The situation, however, were tense between the two countries since the Russian government has decided to launch an international tender. Paris, who was in exclusive negotiations, it was offended.

But moving Francois Fillon in Russia earlier this month allowed the negotiations to progress."President Medvedev and President Sarkozy welcomed the implementation of this unprecedented cooperation that will benefit the industry and employment in both countries, and illustrates the willingness and ability of France and Russia to develop partnerships in all major areas, including defense and security, "concludes the Elysee today.

This sale may make some cringe Eastern countries but the U.S. authorities. In a diplomatic telegram released by Wikileaks, the United States have already discussed a sale "inappropriate."

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The ECB intervened massively in the bond markets

"Do not reassure the markets, we must take the necessary decisions," said this morning Jean-Claude Trichet at the microphone of RTL. In other words, the boss of the ECB believes more gestures than words. He proved it yesterday. The European institution has indeed made great ways Thursday to fight the debt crisis that is suffocating the euro area.

When the President of the European Central Bank held the reassuring to the markets, the institution has purchased massive amounts of debt securities of Irish and Portuguese States, the Financial Times. The British newspaper revealed on Friday that because the monetary institution was bought yesterday by increments of 100 million euros of government bonds Irish and Portuguese, for a total budget four times higher than the previous interventions.Meanwhile, Jean-Claude Trichet held a duiscours confirming the setting up of a redemption of securities of states "unlimited", but without giving any amount.

Interventionism necessary

Mechanically, these operations reduce the rate of borrowing and thus illustrate the effectiveness of speech … long opposed the use of such devices, described as "nuclear weapon" by the markets, the ECB had already bought for 67 billion euros of government debt in May.

Interviewed on RTL, Jean-Claude Trichet reiterated the need for the ECB to continue to intervene. The head of the Central Bank said the ECB had decided on Thursday to "continue to supply liquidity, over periods of one week, one month and three months of unlimited."The President also said: "We left the interest rate level which was that we had before the meeting, 1%, and we think that's what it takes to continue to give our citizens . Price stability is our mandate. " Jean-Claude Trichet estimates that the ECB has fully achieved the latter objective: "In twelve years since the creation of the euro, price growth has averaged 2%," he said, stressing that "price stability is essential for the poorest and weakest among us."

The euro is "no crisis"

In addition, Jean-Claude Trichet has assured that the euro was "credible" and not "in crisis as currency.""There are problems of financial instability that are due to a budget crisis in some European countries," he added.

Terms that are echoes those of German Finance Minister, Wolfgang Schäuble. In an interview with Les Echos, said he was "totally convinced" that it is possible to "maintain in the future the euro as its currency stable world."The German minister added that the single currency "is not only a big advantage for the Europeans," he said "the global economy as more and more interdependent, has an interest in a strong European currency."

Asked finally on the fact that Axel Weber could succeed him as head of the ECB, in a year, Jean-Claude Trichet said: "I have no comment."

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