Actuaries are central to BNP Paribas Cardif’s value proposition. These “insurance engineers” contribute across the entire value chain: from product development to risk selection and profitability assessment.

With key technical skills, actuaries are well-positioned to leverage the opportunities offered by artificial intelligence, while remaining aware of its limitations and associated risks. Data is at the heart of everything we do in actuarial science at BNP Paribas Cardif. It fuels our decisions, improves customer experience, and stimulates innovation.

The DaaS (Data as a Service) initiative defines best practices for data management in actuarial work across Protection and Property & Casualty. It has significantly reduced the implementation time for machine learning models from 5 months to just 1 week.

Explore a real-world example of collaboration between the corporate Actuarial Analytics team and the actuarial team in BNP Paribas Cardif in Turkey with Anat CHEFNER – Head of Actuarial Analytics, BNP Paribas Cardif.

Discover in this video, the shared strategic vision of the Executive Committee members:

• Charlotte Chevalier – Chief Executive Officer of EMEA, BNP Paribas Cardif, during this project.
• Vivien Berbigier – Chief Value Proposition Officer, BNP Paribas Cardif
• Cemal Kısımır – CEO, BNP Paribas Cardif in Turkey

Listen to the partner’s perspective shared by Guillaume de Riberolles.

• Charlotte Chevalier has been appointed Deputy Chief Executive Officer, Head of France and Luxembourg,
• Maxime Boyer Chammard has been appointed Chief Operating Officer (COO), Head of Efficiency, Technology & Operations,
• Michael Nguyen has been appointed Chief Executive Officer of Asia,
• Nicolas Villet has been appointed Chief Executive Officer of EMEA (Europe, Middle East, Africa).

Photos are available from the BNP Paribas Cardif press office.

The Innovation Ambassadors program, counting 84 innovative projects submitted from 24 countries worldwide in 2024, shows that innovation can be found everywhere at BNP Paribas Cardif. Discover how BNP Paribas Cardif has optimized business processes with his partners and customers thanks to CardX, an internal Intelligent Document Processing (IDP) solution.

Could you please introduce yourself briefly? 

In my current job, I have several missions; my key role being Product Manager of CardX, our internal Intelligent Document Processing (IDP) solution, which leverages AI technologies to automate the extraction and interpretation of information from documents.

As Product Manager, I am working daily with our data scientists, IT & Data teams, both on the solution-finding aspects, and, especially, on the projects, to deploy greater use cases worldwide. This requires strong partnerships with local teams.

On a personal level, I am a big nature lover and like to spend time outside discovering and observing plant and animal life, as well as doing photography. During my travels I have been fortunate to discover a lot of different animals in their natural habitat.

Tell us about your project: your main focus, what it is, how it came about and what it will bring to BNP Paribas Cardif

CardX is our internal Intelligent Document Processing (IDP) solution. IDP solutions use multiple AI technologies to automate the extraction and interpretation of information from a wide range of document types. For example, our solutions can convert a picture of a document into text, to then extract information from it. The possible use cases are countless, for all kinds of processes: business processes with our partners and customers, as well as internal processes. The implementation of IDP solutions can boost customer and partner satisfaction, as well as internal efficiency.

CardX is part of our Transversal Analytics Solutions, built through a strong partnership between BNP Paribas Cardif Corporate Analytics, IT and Data teams. It features a complete range of functionalities which embed diverse AI expertise and models, and which can be leveraged according to the use case’s needs. Intelligent Document Processing is a complex task, as a one size fits all rigid solution is not the best way to achieve great results and meet business requirements. We chose to build our solution based on open-source AI. Leveraging the best of open-source AI allows us to maintain a state-of-the-art solution, and fuel our Research & Development. Thus, we can make our solution continuously stronger, and swiftly integrate evolving IDP paradigms, a key lever in such a rapidly changing field.

After the deployment of several use cases in claims processes in Latin America and Europe, and in the implementation of internal processes, we are now in a significant scaling phase and expect to double our use cases within a year. And we already have a lot of new use cases lined up in our roadmap!

What did you find most striking/surprising during this project (perhaps you have a joke to tell us)?

Even within an expertise field like Intelligent Document Processing, every use case is different. Of course you can work with some standard approaches, techniques and rituals, but every project has its own challenges, from each of its perspectives: data, data science, IT, business, organizational… It’s definitely part of the challenge, but for me, it’s the most exciting part of all: with every use case we learn, we enrich our toolbox, we brainstorm, we adapt and we sometimes pivot. We constantly evolve and improve!

What advice would you give to employees who also want to innovate?

Some people might think that AI projects are easy and “magical”, but the reality is much more complex: they require precise work, a well-framed project with clear objectives and scope, and well-coordinated collaboration between stakeholders from very different functions and backgrounds.

To meet the challenges, you need to build a strong, transversal team spirit, to trust each other and also, to be curious! Curious to delve into a new field, curious to learn something new every day; and curious to listen to experts!

The insurer BNP Paribas Cardif has purchased an office building located at 8 place de la Bourse and 5-9 rue Feydeau in Paris from a French institutional investor.

The property encompasses two buildings built between 1920 and 1951 to house a telecommunications centre. It has eight floors and approximately 6,500 square metres of floor space. Given the unique architectural features of the building on Place de la Bourse, it is listed as a heritage asset.

The building was completely renovated in 2021 and contains office spaces of between 500 and 800 square metres. In addition, an underground level has parking space for 19 cars, 24 motorcycles, plus a bicycle parking area. It also has approximately 500 square metres of accessible exterior space and is fully leased to several different businesses.

This acquisition enables BNP Paribas Cardif to pursue its investment strategy and diversify assets for its policyholders. The transaction was carried out via the Cardimmo unit-linked real estate investment vehicle managed by BNP Paribas Cardif, and via its pension savings euro fund.

BNP Paribas Cardif was advised by Wargny Katz, Jadero, Opéra Avocats, David Colin (attorney) and Ikory Project Services.

Our new video series, Inside The Action, shines a spotlight on key initiatives led by
BNP Paribas Cardif employees in France and internationally.

We give a voice to those who embody the values of commitment and innovation in their daily work at BNP Paribas Cardif. Each episode delves into the heart of these collective achievements and highlights those who actively contribute to the company’s ongoing transformation.

In this first episode, Florence Duval, Head of Social Action Fund Management at
BNP Paribas Cardif France, reflects on the development of this project, which is now celebrating its second anniversary.

Created in 2023, the Social Action Fund provides exceptional financial assistance to our clients facing vulnerability due to health issues or accidents, regardless of the contractual guarantees.

Florence shares the objectives that guided the creation of the Social Action Fund, as well as the progress made since its launch.

Poissy, 23 September 2025 – Stellantis Financial Services and BNP Paribas Cardif, via their respective subsidiaries, Stellantis Insurance and Icare, announce a new partnership to support the used car business and the Spoticar label across Stellantis Group brands. This collaboration provides an extended range of insurance products and services for retailers and buyers of used cars.

Established in 2019, Spoticar is the Stellantis label for used vehicles including a complete range of warranties and services to foster customer trust and streamline resale processes. Icare is the BNP Paribas Cardif subsidiary specialized in extended warranties and maintenance for motor vehicles. Through this new partnership, drawing on the experience of Stellantis Insurance the insurance subsidiary of Stellantis specialized in motor insurance products, financing and mobility services, the Stellantis Group extends its existing collaboration with the BNP Paribas Group.

The agreement, includes:

• Warranties specific to used cars, including extended warranties, maintenance and dealer warranty.
• New offers for electric vehicles, including battery cover.
• A platform for subscriptions and claims handling.
• Digital tools such as e-training modules, sales support and an integrated partner portal with tools to help prepare and resell vehicles.
• Direct local technical and commercial support to facilitate integration and performance tracking.

The first country to introduce the partnership will be France, which will launch this new offer in early 2026.

“Through this partnership with Icare combined with Spoticar’s experience in the used vehicle market in France, both retailers and customers will benefit a wide range of products and services for the acquisition of a vehicle approved by Spoticar, the label for used vehicles from Stellantis Group brands. These new tools and services are tremendous assets to energize the growth of used car sales and boost the satisfaction of our customers even further.” David Guérin, Chief Executive Officer of Spoticar France

“We are proud to be partnering with Stellantis, a major player in the automotive industry.
BNP Paribas Cardif’s expertise in insurance and the in-depth knowledge Icare has of dealer networks enable us to offer a comprehensive range of solutions that are simple to deploy, ensuring service quality. With this new collaboration, together we’re supporting retailers by enabling them to focus on their customers and on growing their business.”
Cyril Petit, Global Head of Mobility, BNP Paribas Cardif and Chief Executive Officer of Icare.

“This partnership marks an important step in our joint efforts to support used car dealers by enabling them to offer greater value to their customers while simplifying their day-to-day activities. We’re combining our expertise in insurance and services with the Stellantis’ dealer network to provide a solution that is both robust and easy to implement.”
Hélène Bouteleau, Deputy Chief Executive Officer, Stellantis Financial Services France.

This initiative reflects the commitment shared by Stellantis and BNP Paribas Cardif to serving both dealers and customers thanks to high-performance tools, world-class support and a competitive offer in the used car market.    

Back from IAA Mobility Summit in Munich, a major leading event for mobility in Europe.

Cyril Petit, Global Head of Mobility at BNP Paribas Cardif and CEO of Icare, the subsidiary of BNP Paribas Cardif specialized in extended warranties and maintenance for motor vehicles, shares his feedback on the IAA Mobility Summit, a major leading event for mobility in Europe that took place in Munich from september 9 to september 14.

In a video he explains how the company as an insurer is helping to build the future of mobility.

More than four out of five financial advisors (85%) express confidence in their business for the coming 12-month horizon.

• 67% of financial advisors report a year-on-year increase in the number of clients.
• 78% of financial advisors believe their clients are concerned about their investments given the geopolitical and economic situation.
• 58% of financial advisors believe their clients will track the performance of their asset allocations more closely, 57% the diversification and 54% the level of risk over the coming 12 months.
• A third of financial advisors (34%) say they plan to offer more individual pension products.
• A quarter of financial advisors (27%) now regularly employ artificial intelligence (AI) in their work.

BNP Paribas Cardif has released the results of its 19th annual survey of financial advisors. Conducted with Kantar, one of the world’s leading market research agencies, the 2025 survey confirms that financial advisors play a central role in defining investment strategies, with a focus on product diversification and by proposing a range of thematic investment options.

Dynamic, attractive, confident: the profession stays the course in a changing world

The current environment introduces new challenges. A full 78% of financial advisors believe their clients are concerned regarding their investments given evolving geopolitical and economic factors – up 25% since 2024 and a record figure, even compared with levels of concern measured when the Covid pandemic ended. The international geopolitical climate is the primary negative factor impacting business activities, say the financial advisors (72%), 18% more than last year. This is followed by regulatory factors (retail investment strategy requirements were cited by 48% of respondents, and the “Green Industry Law” by 45%), alongside the economic context (47%). At the same time, financial advisors listed AI and the profit-sharing law as elements that create opportunities (54%) and could drive business growth.

Nevertheless, this finding contrasts with the positive mindset among financial advisors and the development of the profession. More than four out of five (85%) financial advisors expressed confidence in the coming 12 months, reflecting the dynamic outlook for the profession, thanks in particular to the growth of their clientele franchise: 67% of financial advisors reported an increase in clients compared with the previous year. Despite economic and geopolitical turbulence, the profession is doing well. Both the confidence of the financial advisors themselves and the confidence their clients have in their expertise continue to rise.

The three fundamentals for financial advisors remain performance, risk management and diversification

Financial advisors believe that economic uncertainties have led clients to seek safer investments (63%) and diversification, both within and outside the framework of life insurance investment vehicles (52%). They believe these expectations will be confirmed in coming months, and over half of them think their clients will want greater diversification, both in their portfolios (57%) and in terms of risk exposure (54%). In line with results from the previous three surveys, however, performance remains a top-of-mind factor, since 58% of financial advisors say their clients will be looking more closely at yield.

This demand for diversification is reflected in the wealth management products and solutions offered by financial advisors within the scope of life insurance vehicles and capitalisation contracts. While 61% of financial advisors plan to take advantage of opportunities related to investments in French and European defence and sovereignty, 56% intend to propose thematic funds (innovation, tech, health, energy, etc.). In addition, financial advisors plan to propose more ETFs (43%), private equity investments (37%), structured products (35%) or discretionary portfolio management products (28% of respondents this year, compared with just 13% in 2024).

In addition to life insurance vehicles, financial advisors have a clear and focused strategy and are addressing current social and economic issues regarding pension planning. Some 59% of financial advisors plan to promote pension savings solutions (34% individual and 25% collective). Half the financial advisors also plan to target protection insurance in their business portfolio within the next two years (29% individual protection and 21% collective protection).

Financial advisors seek to diversify client franchise and target younger population segments

As proven experts in wealth management, financial advisors are well-positioned to adapt to the variety of needs and expectations of their clients. Their top challenge today is to renew and diversify the makeup of their clientele franchise, adding younger profiles in particular (under 45). This segment is seen as a strategic avenue for growth by 90% of the respondents. Nearly half the financial advisors (49%) report that their client base is already becoming younger.

This new younger clientele segment is dynamic and actively engaged, with new habits and behaviours. Some 83% of financial advisors note their independence and high level of digital adoption, 42% say these clients have a higher appetite for risk, and a third (33%) note that they are more financially savvy. Demonstrating their ability to adapt to market shifts and align with these profiles, 42% of financial advisors focus on structured products for this clientele, 34% on ETFs and 26% on private equity.
A third of the financial advisors (31%) now count new socio-professional profiles in their clientele.

Strategic use of AI accompanied by monitoring of regulatory compliance figures among top priorities for financial advisors

Fast-paced changes require financial advisors to continually adapt and learn. For 71% of survey respondents, the primary challenge is ensuring regulatory compliance, ahead of adopting AI (44%) or changing investment solutions to adapt to the economic climate (38%). What’s more, half the financial advisors (52%) say they would be interested first and foremost in training centred on regulatory developments.

Lastly, 54% of financial advisors believe artificial intelligence will have a positive impact on their business, an increase of 14% over last year. A full 56% of financial advisors already use AI – regularly or occasionally – to automate or facilitate certain tasks, up from only 23% in 2024. On the other hand, the use of AI will remain primarily concentrated on automation of repetitive administrative tasks (79%), as well as for monitoring regulatory and compliance issues (67%).

Nearly a third of financial advisors (28%) believe their clients feel that personal contact will remain the cornerstone of the relationship with their advisor, and 64% say that AI will not have any direct impact on their client relationships. The expertise of financial advisors and personal support remain key to the added-value delivered by financial advisors and constitute the very heart of the profession.

The Partner Survey is a biennale survey conducted among BNP Paribas Cardif’s key international partners. Its aim is to gather organised feedback on their satisfaction levels and strengthen their understanding of our value proposition.

Conducted towards more than 230 partners in 30 countries, the survey is based on a structured questionnaire including the Net Promoter Score (NPS), 15 questions covering partnership success, operational efficiency and customer experience, confirming the solidity of our relationship with partners and the robustness of our delivery and process management.

“It is essential to listen to our partners and to ensure they are satisfied on a daily basis. Through this regular survey, we want to enrich our value proposition so that it benefits all our partners, regardless of their sector of activity. This study allows us to better understand the evolution of their needs and those of their customers, in order to be as close as possible to their expectations and thus build solid and lasting partnerships.”

Julien Hautière-Rey, Head of value proposition design

Below is the infographic summarising the key findings from the 2025 edition.

The Innovation Ambassadors program, counting 84 innovative projects submitted from 24 countries worldwide in 2024, shows that innovation can be found everywhere at BNP Paribas Cardif. Discover how BNP Paribas Cardif has simplified and automated the compensation process for customers on sick leave by using Parametric Insurance.

Could you please introduce yourself briefly?  

My mission is to define and implement the vision of these products, in response to user needs and strategic challenges: I build the prioritised functional roadmap and coordinate its implementation hand in hand with the Product Owner, ensuring the delivery of modular and reusable solutions. I love this role at the heart of the action, which offers a wide variety of topics and above all allows me to work directly with great colleagues whose expertise is as sharp as it is diverse. 

On a personal level, a large part of my free time is dedicated to volunteering, and I simply cannot live without music!

On a daily basis, I work closely with Product Managers to support them in implementing products, by providing my team’s IT expertise, deepening requirements, and concretely delivering solutions. The objective is to propose adapted and reusable solutions for Cardif worldwide. The diversity and wealth of the subjects we address is very challenging, that’s the interest of our daily work. Success comes from a reciprocal commitment with Product Managers to build together.

What I enjoy most is discovering and learning new things, very often around technology and science topics — right now, electronics and space.

Tell us about your project: your main focus, what it is, how it came about and what it will bring to BNP Paribas Cardif

Parametric insurance involves simplifying customer processes and automating procedures by retrieving customer data directly from certified sources, in particular public authorities. 

• Customer benefits: minimum effort, fewer back and forths, faster turnaround.
• BNP Paribas Cardif benefits: less but more reliable data, fewer incomplete or fraudulent files, automated processing.

Here is the use case we deployed for this project: using the FranceConnect system and with the customers’ consent, we retrieved the daily allowance certificates directly via API from Assurance Maladie (the French public health insurance provider) to speed up compensation for our customers on sick leave. Over 10,000 simplified customer claims since July 2023! 

Since May 2024, automated robot processing has been implemented for customers whose sick leave has been extended, enabling their cover to be confirmed by SMS within 24 hours (compared with 9 days by post previously). 

This innovation has been hailed by the press, the French digital affairs directorate (Direction du Numérique), the CNAM * and, most importantly, by our customers (86% satisfaction)!

*CNAM: French Health Insurance Provider – Caisse Nationale d’Assurance Maladie

What did you find most striking/surprising during this project (perhaps you have a joke to tell us)?

Our partnership with the Direction du Numérique and the CNAM stands out as a fluid and dynamic collaboration, which continues today with the deployment of FranceConnect V2. We were impressed by the dedicated commitment of BNP Paribas Cardif employees who worked to bring this innovation to life and to make the procedure easier for our clients. The project mobilised a large number of employees to take advantage of their diverse expertise: the UX, UI, Development, Integration, Design, Compensation, Project Management, Actuarial, Claims Management, Claims Database, Workflow, RPA and Testing teams and the Scrum Master, among others. 

Our hope is that the success of this first use case will pave the way for other partnerships with public authorities to extend the deployment of parametric insurance and further simplify our customer processes. 

What advice would you give to employees who also want to innovate?

Here’s what we think made the difference to the project’s success: 

• Being committed to the final purpose of the new service: what concrete value is created for the company and, above all, for our customers?
• As with any project, involving all stakeholders from the outset.
• Relying on strong, tangible support from our management and sponsor.      
• Concentrating the project on a short timeframe, in order to benefit from dedicated time and key resources, particularly for project management and development purposes. 
• Promoting an agile organisation that is both rigorous and flexible and led by a Scrum Master (as a key role in the Agile methodology, he is the guarantor of the application of the method, supports the team by organising the various Agile rituals and facilitates collaboration within the team).

The project is now in an acceleration phase: our goal is to showcase the feature as part of the customer journey and support its adoption in order to continue to increase use. We recommend factoring in the gradual adoption curve of the new service right from the project’s outset.