Digital accessibility
Multi-year programme
Introduction
Accessibility is the ability of a service, whether digital or physical, to be fully usable by individuals with impaired vision, hearing, cognition and/or motor functions.
Monitoring drafting and designing rules and good practices enables us to make digital media accessible to disabled people. This includes websites, mobile applications, PDF documents and other online public communication services.
Thus, the content offered must be perceptible (visual and auditory perception of the content made easy), usable, comprehensible and adapted to assistance technologies.
Digital accessibility concerns all disabilities affecting the use of online public communication services, which includes physical, sensory, mental, cognitive and psychological disabilities.
Accessibility in the digital strategy of Crédit Mutuel Alliance Fédérale
Digital accessibility is central to the concerns relating to the development and provision of websites and mobile applications to our customers, thus contributing to the policy of Crédit Mutuel of promoting the inclusion of individuals with disabilities.
As per Directives (EU) 2016/2102 and (EU) 2019/882, Crédit Mutuel Alliance Fédérale implements the following strategy and actions:
- Publication on the homepage of the compliance with accessibility rules status
- Publication of an accessibility policy
- Publication of accessibility statements for websites, mobile applications and available services
- Provision of a whistleblowing system concerning breaches to accessibility rules
A structure dedicated to accessibility
Crédit Mutuel Alliance Fédérale has deployed a structure dedicated to accessibility. The latter includes an Accessibility Division, an accessibility contact person in each entity, website and mobile application contacts at each entity and accessibility contacts appointed at Euro-Information (IT subsidiary of Crédit Mutuel Alliance Fédérale).
The Accessibility Centre
The Accessibility Centre takes charge of recurrent and transverse action:
- The regulatory watch of accessibility at European level to support foreign subsidiaries
- Update of the list of all websites and mobile applications of the Group Entities concerned by accessibility regulations
- Supporting the accessibility contacts of the entity in their efforts to bring their digital media into compliance
- Order centralisation for website, mobile application audits
- Integrating accessibility into the components of our proprietary technical environment and the internal training that is required
- Managing internal applications for development assistance including a web page accessibility diagnosis application and assistance for correcting the most common accessibility errors
- Implementation of accessibility by web content generating applications
- Updating the document base on the subject of digital accessibility
- Managing assistance equipment and updating the assistance soft and hardware catalogue, supporting Disability contacts during assistance equipment orders, providing support for assistance software
- Providing technical support and assistance
- Internal communication on accessibility..
Accessibility contact of the entity
The accessibility contact of an entity has several missions. Over his/her scope, he/she:
- Reports to management on the level of accessibility of the websites and mobile applications, along with any need for improvement
- Raises employees’ awareness of accessibility requirements
- Steers the compliance process for content to be made accessible (including having the teams concerned trained)
- Manages the website and mobile applications repository
- Manage accessibility audits
- Manage online statements
- Processes claims and issues
- Provide reports of compliance with obligations to any party that asks for them.
The entity’s accessibility contact relies on the Accessibility Centre set up at Crédit Mutuel Alliance Fédérale.
Website and mobile applications adviser of the entity
The adviser of the entity is aware of the content, pathways and features of the websites and mobile applications of the entity where content is to be made accessible.
He/she is also aware of the persons responsible for this content.
- He/she maintains the accessibility standards for websites, mobile applications to be made accessible
- He/she assists the accessibility contact of the entity in his/her tasks.
The accessibility contacts appointed at Euro-Information
An accessibility contact is appointed at Euro-Information for each Department concerned by the accessibility regulation.
The accessibility contact of Euro-Information manages the standards for services within their scope and the list of screens that are subjected to audits.
He/she implements the digital accessibility obligations within his/her scope:
- With the different affected teams: their task is to ensure that accessibility is addressed in projects (informing, providing training, coordinating and steering)
- Following an audit led by an entity’s accessibility contact, he/she assigns the non-compliances received over his/her scope to each Euro-Information team involved.
- He/she issues the requests to the accessibility contacts of the entities concerned in order to bring into compliance the screens and PDF documents provided by these entities, which are part of the service.
Supervisory and control system
A regular monitoring and auditing system is deployed in order to make sure each Crédit Mutuel entity complies with the Accessibility policy.
Financial resources
The annual budget includes the specific needs in respect of digital accessibility, particularly for new projects; for addressing the needs of disabled persons in user tests and for the compliance assessments planned for all communication departments.
Training and awareness raising
E-learning modules are offered to raise the awareness of all developers, content writers (including the PDF documents), webmasters, project owners, organisers, UX Designers, etc.
Training modules adapted to the different profiles are offered by the Training Department and are included in the continuous training catalogue. Thus, the developers and webmasters can train to develop accessibly in HTML as well as in webpage and mobile application screen languages. More advanced training is offered to developers of components and strategic applications.
Accessibility requirement for external software, and the services and content supplied by outside contractors
We require all external solutions to meet the accessibility standards in order to be integrated into our application fleet.
That requirement is formalised in the agreements with outside contractors.
User support
Any user encountering an accessibility issue can report it via the contact means of the website or mobile application.
An internal anomaly management system enables us to systematically take into account any reported issue within the best time frame.
Work for bringing websites and mobile applications into compliance
Accessibility within projects
Due to the digital accessibility awareness measures and the training courses offered, accessibility is taken into account from the start of a project.
Knowledge, learning, support and control resources are provided to all the parties involved throughout the project:
- internal documentation is available from a portal dedicated to digital accessibility
- an internally developed application to systematically verify that each content update complies with at least major accessibility criteria
- at least one screen reader is available for testing web pages
- a specialised unit providing support.
At the same time, the development process has been supplemented with accessibility control milestones.
Most developers of our websites and mobile applications work in a proprietary technical environment.
It provides components that are reviewed so as to comply with the requirements of accessibility standards; all new components automatically incorporate accessibility rules.
Content common to the website pages is managed by a single team, which is specifically trained in accessibility.
Internal tools are used to generate some web content or documents in Word or PDF format. They are designed to eventually generate accessible elements.
Audits
Throughout the year, rapid accessibility assessments (diagnoses) of future applications or developments are made on demand. These diagnoses are conducted by in-house accessibility experts. They relate to a small number of criteria of the test standards, selected for their relevance depending on the context of the application and the level (blocking, major) of the requirement.
Websites and mobile applications of Crédit Mutuel Alliance Fédérale as well as the Departments concerned by the EAA regulation are audited by an external service provider, which determines a compliance level used to establish their accessibility declaration.
The declaration audits for websites or mobile applications are conducted at least once every 3 years. The frequency of service statement audits is at least once every five years.
Corrective measures
For each nonconformity found at an audit, a team is identified and tasked with correcting it.
A normalised correction request is created for each of these teams then enters the development process.
Developers have a first level of support and a dedicated site to help with the corrections.
Generally, these corrections are validated or invalidated, during a follow-up audit or failing this, a new audit.
Annual action plans
The annual action plans specific to Crédit Mutuel supplement the action in favor of accessibility that is taken transversally over the whole Group, on a recurring basis.
Action plan 2025
No action scheduled
Action plan 2026
No action scheduled
Action plan 2027
No action scheduled
Annual action plan reviews
Action plan 2024
Actions | Forecast completion dates | Completion dates |
---|---|---|
Website current | ||
Perform an accessibility audit of the website | T1 2024 | T3 2024 |
Perform a follow-up accessibility audit of the website.
Comment: Rate of compliance achieved: 61,64%. Update of accessibility statement. |
T2 2024 | T3 2024 |
mobile applications iOS of the website Crédit Mutuel Pay | ||
Perform an accessibility audit of mobile applications.
Comment: Rate of compliance achieved: 40%. Update of accessibility statement. |
T1 2024 | Juillet 2024 |
mobile applications Android of the website Crédit Mutuel Pay | ||
Perform an accessibility audit of mobile applications.
Comment: Rate of compliance achieved: 51,28%. Update of accessibility statement. |
T1 2024 | Juillet 2024 |
Miscellaneous actions | ||
Train developers, webmasters and content writers in digital accessibility. | T1 2024 | T1 2024 |
Hire one or more digital accessibility specialists. | T1 2024 |
Action plan 2023
Actions | Forecast completion dates | Completion dates |
---|---|---|
Website www.creditmutuel.fr/fr | ||
Perform a follow-up accessibility audit of the website.
Comment: Rate of compliance achieved: 68,11%. Update of accessibility statement. |
T4 2023 | Décembre 2023 |
mobile applications iOS of the website Crédit Mutuel | ||
Perform an accessibility audit of mobile applications.
Comment: Rate of compliance achieved: 27,59%. Update of accessibility statement. |
T2 2023 | Avril 2023 |
mobile applications Android of the website Crédit Mutuel | ||
Perform an accessibility audit of mobile applications.
Comment: Rate of compliance achieved: 26,67%. Update of accessibility statement. |
T2 2023 | Avril 2023 |
Miscellaneous actions | ||
Train developers, webmasters and content writers in digital accessibility. | Janvier 2023 | Février 2023 |
Action plan 2022
Actions | Forecast completion dates | Completion dates |
---|---|---|
Website www.creditmutuel.fr/fr | ||
Perform an accessibility audit of the website | T4 2022 | Octobre 2022 |
Community actions | ||
Make all the parties involved aware of accessibility issues. Search/create, put in place an e-learning module for awareness, which is suitable for different profiles. Circulate the e-learning module for awareness to all the parties involved. Comment: To be finalised |
In 2022 | Q2 2023 |
Revise the current training to address accessibility. Include accessibility rules in existing in-house training. |
Q3 2022 | Underway/td> |
Update web content generating applications so that the created content is accessible. |
Q4 2022 | Underway |
Review the components. Applies to internal framework components. |
Q4 2022 | Underway |
Develop a community contact form. Collect lack of accessibility reports from customers or employees to provide a personalised reply. |
Q2 2022 | Q2 2022 |
Improve the employee assistance equipment of the Group. Improve the assistance hardware and software catalogue, make the order circuit more fluid, optimise installation and maintenance phases, improve the management of the support provided to disabled employees in terms of their equipment. |
In 2022 | Q4 2022 |
Action plan 2021
Actions | Forecast completion dates | Completion dates |
---|---|---|
Community actions | ||
Make all the parties involved aware of accessibility issues. Search/create, put in place an e-learning module for awareness, which is suitable for different profiles. Circulate the e-learning module for awareness to all the parties involved. |
T2 2021 | To be finalised in 2022 |
Provide accessibility training. Look for training for the different profiles: website assessment experts, component developers, mobile applications developers, fat clients, standard developers, or create training courses. Add to the ongoing training catalogue. |
T1 2021 | T3 2021 |
Review the components. Applies to internal framework components. |
In 2021 | To be finalised in 2022 |
Implement internal development assistance applications. Develop and promote applications to support page diagnosis and correct frequent accessibility errors. |
New | T4 2021 |
Action plan 2020
Actions | Forecast completion dates | Completion dates |
---|---|---|
Website www.creditmutuel.fr/fr | ||
Perform an accessibility audit of the website
Comment: Rate of compliance achieved: 51%. Update of accessibility statement. |
T1 2020 | Janvier 2020 |
mobile applications iOS of the website www.creditmutuel.fr | ||
Perform an accessibility audit of mobile applications.
Comment: Rate of compliance achieved: 38%. Update of accessibility statement. |
T1 2020 | Octobre 2020 |
mobile applications Android of the website www.creditmutuel.fr | ||
Perform an accessibility audit of mobile applications.
Comment: Rate of compliance achieved: 41%. Update of accessibility statement. |
T1 2020 | Octobre 2020 |
Community actions | ||
Provide information about decree 2019-768 of 24 July 2019 on digital accessibility. Present the impacts and requirements of the decree in respect of digital accessibility to a certain number of key individuals who will circulate the information. |
T2 2020 | June 2020 |
Create official page templates.
|
T2 2020 | September 2020 |
Make all the parties involved aware of accessibility issues. Search/create, put in place an e-learning module for awareness, which is suitable for different profiles. Circulate the e-learning module for awareness to all the parties involved. |
From T4 2020 Then continually |
T1 2021 Then continually |
Provide digital accessibility documentation. Populate a database on the subject, provide advice for coding, drafting, technical memos, etc. |
From May 2020 Then continually |
Continually |
Provide accessibility training. Look for training for the different profiles: website assessment experts, component developers, mobile applications developers, fat clients, standard developers, or create training courses. Add to the ongoing training catalogue. |
T4 2020 | T1 2021 |
Action plan 2019
Actions | Forecast completion dates | Completion dates |
---|---|---|
Community actions | ||
Establish guidelines. Draft a document that identifies the action to take and the effects of the law. |
Q4 2019 | January 2020 |
Establish a list of the French entities of the Group affected by the legislation. Out of all the French entities of the Group with a website or a mobile application, identify those with a turnover above €250 million. |
Q4 2019 | To postpone to 2020 |