Since 2000 : Internet : in the heart of PM&T strategy

2004

• Release of e-DIXIT®, the Intranet version of DIXIT®.
• PM&T wins its bid to Crédit Lyonnais for replacing a competitor's software by an adaptation of e-DIXIT®.
• Publication of "Cahiers Pratiques du Patrimoine", the ideal tool to help sales programs in financial establishments.
• Internet leaders as Boursorama, Yahoo!, Boursier.com... choose PM&T's information products and simulation softwares to enrich their websites.

2003

• Publication of Retirement Memorandum following France's pensions reform.
• As a result of the pensions reform, PM&T sells new contents for financial institutions websites (BNP-Paribas, Crédit Agricole, etc.).

2002

• Internet versions of all PM&T's Memorandum are developped and brought to market.
• Publication of Life insurance Memorandum.
• Patrimoine.com confirms its success with more than 100 000 visitors and 500 000 pages viewed each month.

2001

• Bruxelles Lambert Bank (ING Group) signs a partnership agreement with PM&T for the development of a Belgian version of DIXIT®.
• Many financial institutions choose information products and simulation tools made by PM&T to complete their websites.
• PM&T establishes a few partnerships agreements in order to lead patrimoine.com' visitors toward financial institutions able to advise them on their investments.

2000

• PM&T wins its bid to the Group Crédit Agricole to equip all their offices with an Intranet version of a diagnostic software.
• PM&T offers a partnership to 3 investment companies (Banque de Vizille, Tocqueville, CPR).
• Contents offered by PM&T have been selected by all Internet leaders : mesfinances.fr, lefigaro.fr, AOL.fr, msn.fr, yahoo.fr, etc.
• PM&T reaches the consumers by launching the Web site www.patrimoine.com.

1996-1999 : internationalization

1999

• PM&T and Capital (economic magazine) launch a CD-Rom "investments".
• First client for DIXIT® Italy : Azimut network.
• La Poste doubles its financial planners and equips them with DIXIT® and Patrimentor®.
• The Portuguese branch of Banco Santander equips all its agencies with DIXIT® Portugal.
• PM&T reaches a new level in its development and restructures its capital.
• Banco Mello chooses to equip all its branches with DIXIT® Portugal.
• Creation of DIXIT® Spain in partnership with the Spanish company BM&C.

1998

• Launching of an Internet activity with a first range of services aimed at Internet, Intranet ou Extranet sites of the financial institutions.
• La Fédération Continentale, Cardif and ISICA subscribe to the Internet services of PM&T.
• Creation of DIXIT® Italy in partnership with the Italian company IAMA.
• Launching of "Estate planning Memorandum".
• The insurance sales network Gan Capitalisation equip all its advisors with DIXIT® and Patrimentor®.
• The partnership with Microsoft on Money® 99 continues.

1997

• Partnership with Microsoft, in order to enrich Money® 98, leader on the French market of personal finance softwares.
• Release of the "Taxation Issues Memorandum".
• DIXIT® selected by Gan Vie (4th French insurer) to equip more than 500 financial advisers.
• Patrimentor® (French financial products databank) launched on La Poste's Intranet to reach 1 000 financial advisers.
• The Crédit Mutuel selects DIXIT® to equip its financial planners after having used a competitor's software for several years.
• Take-off of the client/server version of DIXIT®.
• Partnership with the French bankers' main training center : CFPB.

1996

• Release of the "Money Issues Memorandum".
• An investment company takes a 23 % share in PM&T.

1992-1995 : démocratization of our products in the retail banking networks

1995

• First foreign clients of DIXIT® : the number one insurance company and the number one Private Bank of Portugal.
• DIXIT® is retained by the Crédit Agricole group for the intermediary clientele.
• The Post Bank selects DIXIT® to equip its 400 financial planners.

1994

• DIXIT® Open becomes the first multi-approach and multi-level software on the market. The multi-level software concept is introduced.
• Signing of a partnership agreement with the SID group to assist CPAs in financial planning.
• Release of an on-line educational game Quiz Patrimonial.
• More than 5000 DIXIT® sold to date.
• Development of DIXIT® Open and of the PM&T training cursus in all AGF insurance agencies.

1993

• Celebration of the 1000th DIXIT® at the Eiffel Tower in a partnership with IBM. Release of DIXIT® Open.
• Launching of the on-line application Test Patrimonial (Money issues test) and Patrimentor® on CD-ROM in a partnership with IBM.

1992

• Signing of an agreement with CENCEP in a national framework concerning all the services offered by PM&T.
• Two important partnerships are formed with Europerformance and IEIF for the creation of the Patrimentor® data bank.
• More than 1000 DIXIT® have been sold to date.

1987-1991 : creation of APG® application tools

1991

• Release of DIXIT® Expert Software.
• Launching of on-line server Patritel®.
• Publication of the first edition of the Memento of Advisors of Enterprises and of their Executives (which has become the Mémento des Professions).

1990

• Creation of Patrimoine Informations.
• Release of Patrimoine Actualités (Money news), a monthly magazin for money professionals.

1989

• Creation of Patrimoine Management & Technologies through the merger of both companies.
• Creation of the FEPP (European Federation of Financial Planners).
• More than 1 500 mementos in the same organization. More than 100 DIXIT® copies in another.

1988

• Release of the first version of DIXIT® Pro software.

1987

• Release of the "Mémento of Money Professionals".
• Creation of Patrimoine Technologies, a company with the mission of developing decision support systems in the field of financial planning software.

1981-1986 : development of the APG® method, market supported

1985

• More than 2 500 professionals trained in the APG® method to date.

1984

• First article on APG® and the Financial Affairs Balance Sheet, published by L'Argus des Assurances. Publication in Banque magazine of an article on "The Sale of Financial Products through Expert Systems".

1983

• Publication of "Marketing patrimonial" by Patrimoine's founder, a study of the role of advising in financial products and services marketing.

1981

• More than 2 500 professionals trained in the APG® method to date.
• Creation of the first model of representation and simulation of individual's money issues, the Financial Affairs Balance Sheet.
• Creation of the first APG® Educational System for training professionals in banking and insurance.