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The Institute,
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The Institute is Eurogroup Consulting's forum for forward thinking.Here, we analyze weak signals, cross points of view and share useful insights for understanding a changing world. Sustainable transformation requires a combination of lucid analysis, intuitive insight and practical experience. These publications are an invitation to think differently, to question the obvious and to nourish action.
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Banques de détail en France : Performances & mutations structurelles

Our panel looks at the financial performance of the leading 24 European headquartered banks in 2025 with new additions of DZ Bank and Nationwide…
Corporate memory: a strategic asset for driving transformation
In a world where organizations are evolving under the continuous pressure of ecological, technological, social and economic transitions, transformation has become a permanent management mode.
Reconciling AI and engagement: the new key to corporate performance
According to Gallup's State of the Global Workplace 2025 report, only 21 % of employees worldwide say they are engaged, compared with 32 % before the health crisis. This decline represents a major loss for organizations, with an estimated cost of $438 billion a year.
Collective intelligence and defense innovation
Collective intelligence and defense innovation: when the Nation becomes a resilience factor
The recent remarks by the Chief of Staff of the French Armed Forces at the French Mayors' Congress, despite the controversy they provoked, served as a reminder of the strategic obvious: a high-intensity conflict would affect the whole nation, not just the armed forces.
Opinion column: «Facilitating the acceptability of major infrastructure projects: a challenge for national competitiveness».»
As the Salon des Maires draws to a close, the subject of the acceptability of major infrastructure projects is back in the spotlight. Not as a technical debate, but as a strategic issue for local authorities.
What is the "acceptability" of transport infrastructure projects?
Whether it's a question of transport infrastructure or urban planning, the acceptability of projects is increasingly in question. How can we reconcile strategic vision and democratic consultation, between imperatives of general interest and local concerns?
Social distancing and the digitization of services: towards the end of relationships in the service sector?
Service behavior is undoubtedly very different from one country to another, and cultural factors play a key role in customer relations (roles, status, intonations, rituals of civility...).
Corporate & Investment Banking Outlook 2025
The first half of 2025 confirmed a fragile economic environment. The OCDE projects global growth at 2.9% this year (after 3.1% in 2024), but trajectories diverge: a US rebound (+3.8% in Q2), modest recovery in Europe (+1.6%), limited growth in the UK (+0.3% in Q2), and emerging markets under pressure from new US tariffs (effective average rate at 18.6%, the highest since 1933).
When AI agents reshape insurance distribution
Historically, the distribution of insurance products has been based on a mosaic of channels: salaried insurer networks, independent brokers, tied agents, online comparison services... Each has found its place, with its own strengths: close relationships, commercial clout, technical specialization or digital excellence.
The repeat rate: the most underestimated Customer Experience indicator
On paper and in practice, organizations have numerous indicators at their disposal to assess the performance of their Customer Experience. For years, there has been a lively debate about which meta indicator to use: the one that gives the most accurate and complete picture of the customer experience.
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