The Cardif Lab' was created in 2014 to support our digital transformation: it promotes the company's digital innovations and market technologies that offer a glimpse of the uses of tomorrow's insurance, in order to acculturate our employees and encourage exchanges with our multi-sector partners. Our Cardif Lab' innovation system is there to drive and coordinate this innovative force within the company and beyond.

The Cardif Lab' anticipates future trends, embodies our vision of the future in 2025 and is at the heart of BNP Paribas Cardif's innovation system.

Its mission? To anticipate the future of insurance and create the offers and services of tomorrow for our partners and their clients.

It is structured around three axes: Explore, Make, Grow.

Support the transformation of society


To discover the future, identify examples of new uses related to insurance and conduct research and development work. This leads to cultural adaptation, conceptualisation and open innovation.


To shape and construct the innovations of tomorrow. The cardif lab’ experts supports the launching of innovative products while ensuring the technical and economic viability of projects.


Developing knowledge and spreading the culture of innovation and digital solutions across the company. A thousand employees will receive training in the professions of tomorrow by the end of 2022 through a partnership agreement with General Assembly signed in 2018.

Learn more about the Cardif'Lab