Emmanuel Gendreau has been appointed Director of BNP Paribas Epargne & Retraite Entreprises, effective from 5 January 2026. He succeeds Nicolas Villet, who has been appointed Director of the EMEA (Europe, Middle East, Africa) region at BNP Paribas Cardif. Emmanuel Gendreau joins the executive committee of BNP Paribas Cardif France and will report to Charlotte Chevalier, Deputy Chief Executive Officer of BNP Paribas Cardif Head of France and Luxembourg.

BNP Paribas Epargne & Retraite Entreprises is the entity specialising in corporate savings solutions (employee savings and collective retirement savings), co-managed by
BNP Paribas Asset Management for financial management, and BNP Paribas Cardif for insurance activities. At the end of 2024, the company managed
€30.2 billion in assets for 26,000 businesses and for 1.6 million savers.

• 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 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.

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.

In Brazil, BNP Paribas Cardif is accelerating the digitalisation of insurance by implementing next-generation and cloud-native APIs. These new tools are more than just technical upgrades—they are redefining the way insurance integrates into BNP Paribas Cardif partners’ digital platforms, enabling seamless customer journeys and efficient operations.

Alberto Yamaguchi, Project Manager at BNP Paribas Cardif in Brazil deep dives into this innovation to highlight the transformative impact of these APIs and what they mean for the future of insurance in the region.

What motivated the shift to cloud-native APIs for insurance distribution?

Alberto Yamaguchi:
The move was driven by a clear market need for speed, security, and seamless integration. In today’s digital environment, distribution partners and customers expect insurance to be part of a fluid online experience—no delays, no friction. Cloud-native APIs give us that capability. They enable instant insurance policy activation, real-time monitoring, and better customer engagement.

From a business perspective, the shift also means we can scale operations faster, avoid downtime, and respond quickly to our partner demands. Our job is about enabling growth while maintaining a high level of control and performance.

How do these APIs enhance both partner and customer experience?

Alberto Yamaguchi:
First and foremost, they eliminate disruption. With online activation, our partners can provide insurance offers to their clients that are immediately available and accessible. There’s no need to process batch files or wait for back-office validation. Everything happens in real time and customers get the protection they need almost instantly

For customers, that translates to a seamless journey— from underwriting to claims submission. At the same time, it offers a safer customer journey as we have strengthened fraud detection and data security through advanced risk management embedded into the APIs. It’s a win-win for everyone involved.

Can you give us some figures on the impact so far?

Alberto Yamaguchi:
Definitely. Since we deployed them, the new APIs have already outperformed all previous versions combined. We are now processing over 1 million transactions per month, with a 99.5% availability rate. That’s a level of performance we simply couldn’t reach before.

So far, three partners are actively using our new APIs, serving nearly 1 million unique clients over the last 12 months. And this is just the beginning; we are already onboarding more partners and scaling up our product offering.

What’s the technical secret behind this performance?

Alberto Yamaguchi:
It comes down to being cloud-native from the start. The APIs are designed to dynamically scale resource consumption so, even at peak load, the system remains stable. We also have automated alert systems and real-time dashboards, which help us monitor performance and respond instantly to any issues.

Because everything is designed to optimise efficiency, we can handle high volumes without increasing operational complexity. That’s crucial for our partners and necessary as we prepare to expand even further.

What’s the roadmap for API-driven insurance distribution in Brazil?

Alberto Yamaguchi:
By the end of 2025, our goal is that 40% of all our transactions in Brazil are processed online via APIs. We are aiming to offer 30 digital insurance products by that time, all fully integrated into our cloud infrastructure.

More importantly, this isn’t just a tech transformation—it’s about real business value. By reducing reconciliation work, accelerating time-to-market, and supporting real-time transactions, these APIs are fueling our digital sales growth and giving our partners a true competitive edge.

BNP Paribas Cardif has finalised the acquisition of AXA Investment Managers (AXA IM) and signed a long-term partnership with the AXA Group to manage a large part of its assets.

This operation, announced on 1st August 2024, will enable the BNP Paribas Group to create a leading European asset management platform with over EUR 1.5 trillion in assets under management entrusted by its clients. It allows the Group to become the European leader in long-term savings management for insurers and pension funds with around EUR 850 billion, with the ambition to become the European leader in fund collection for private asset investments and positioning itself among the main providers of ETFs in Europe. This operation is also part of the Group’s core mission to support the economy by mobilising savings to finance future-oriented projects in the best interests of its clients.

By combining the expertise of AXA IM, BNP Paribas Asset Management, and BNP Paribas REIM, this new platform will have a wide range of traditional and alternative assets, an expanded global distribution network, enhanced innovation capabilities, and a more comprehensive offering in responsible investment. It will benefit from AXA IM Alts’ market position and expertise in private assets, which are key drivers of future growth for institutional and individual clients, as well as AXA IM’s know-how in long- term asset management for insurance and retirement. In this context, BNP Paribas Cardif will leverage the capabilities of this platform for the management of a large part of its assets, notably its general funds.

The formation of this new platform marks a major milestone in the development and growth journey of the IPS division. It will fully benefit from BNP Paribas’ integrated model, in close collaboration with the CPBS and CIB businesses, particularly within the framework of the “originate to distribute” approach.

“This acquisition is an important moment for the entire BNP Paribas Group. We are delighted to welcome the AXA IM teams, who will find within the BNP Paribas Group a strong culture of customer service as well as ambitious growth and innovation prospects. These are teams with recognised and complementary expertise that will build together a European industrial project to better serve our clients. I have every confidence in the ability of the management teams of our asset management activities to grow the business and create value for our clients and employees,” said Jean-Laurent Bonnafé, Director and Chief Executive Officer of BNP Paribas.

Joint working groups with AXA IM teams are already in place to reflect on and develop a common roadmap, particularly with regard to offerings and services. This roadmap will be submitted to the appropriate employee representative bodies.

The project to merge the legal entities of AXA IM, BNP Paribas AM and BNP Paribas REIM, which would create the new platform held by BNP Paribas Cardif, is currently the subject of consultation with employee representative bodies.

Sandro Pierri, CEO of BNP Paribas AM, will lead the BNP Paribas Group’s asset management activities and Marco Morelli, the current Executive Chairman of AXA IM, will chair the BNP Paribas Group’s asset management activities.

From a financial perspective:

• The Group’s revenue growth by 2026, including the impact of the transaction, will be greater than +5% (CAGR 24-26), with an average annual jaws effect of +1.5 pts.
• Return on Invested Capital (ROIC) will be more than 14% in year three (2028) and more than 20% in year four (2029).
• From a prudential perspective, the impact of the operation on the Group’s CET1 ratio is estimated at approximately -35bp as of the 3rd quarter 2025 results, discussions with supervisory authorities are still on going.

An update on the progress of the operation will be provided upon the release of the third-quarter 2025 results ahead of a Deep Dive, that will take place during the first quarter 2026, focused on the Group’s trajectory including this operation.

As the Latin American insurance market undergoes rapid digitalisation, BNP Paribas Cardif is leading the way with its new Insurance Distribution Platform (IDP). Designed for agility, speed, and scalability, IDP is already transforming the way insurance is distributed across the region. From banking and consumer finance to retail and automotive industries, the platform empowers BNP Paribas Cardif’s partners to deploy customised insurance solutions with unprecedented speed and ease.

Pierre-Henri Zoller, Deputy CEO of BNP Paribas Cardif in Latin America, gives his view on the way IDP works, its impact, and the ambitious vision of insurance-as-a-service behind it.

What exactly is IDP, and why is it such a significant innovation?

Pierre-Henri Zoller:
Our distribution platform IDP represents a radical shift towards Insurance-as-a-Service. It’s a fully modular, API-first platform that integrates effortlessly with our distribution partners’ digital ecosystems. What makes it truly innovative is the speed and flexibility it offers. Launch timelines have moved from several months to just a few weeks and that’s a game-changer in a fast-moving market like Latin America.

Beyond technology, IDP also changes the way we think about partnerships. It gives our partners the right tools to tailor insurance offers to their needs, to manage claims, to monitor performance, and optimise the entire journey of their customers in real time—all within a single, unified platform.

What makes this platform stand out compared to traditional distribution insurance schemes?

Pierre-Henri Zoller:
Actually, two things: scalability and end-to-end integration. With IDP, we cover the entire insurance lifecycle—pre-sales, sales, after-sales, and claims management. And we do it in a way that’s completely transparent, thanks to real-time dashboards and data insights. It’s not just about simplifying processes, it’s about giving our partners complete control over the products and visibility.

We also designed it to be easily understandable and usable, true to our mission to make insurance more accessible. Whether our partner is a bank, a fintech, an automotive group, or a retailer, the platform adapts to their requirements. And because IDP is modular, we can roll out just the pieces our partners need, when they need them.

What products does IDP support, and how does it help BNP Paribas Cardif’s partners stand out?

Pierre-Henri Zoller:
The platform supports a wide range of products: creditor protection insurance (CPI), life, health, property & casualty, and home insurance. But what is truly differentiating is that it gives our partners the ability to launch and adapt products quickly. That is where lies its real value.

We provide ready-to-use templates and pre-configured APIs, so even complex insurance products can be deployed fast, without heavy development work. This helps our partners remain agile, test new offerings, and fine-tune them based on real-time feedback.

How has IDP performed in real-life deployments?

Pierre-Henri Zoller:
Our pilot in Colombia was extremely promising. We managed to integrate seamlessly with local IT systems, which proved the platform’s agility and adaptability. It gave us a blueprint for regional expansion—and we are now actively rolling it out in Mexico, Chile, Brazil, and Peru.

We have already observed efficiency gains, faster time-to-market, and better alignment with customer expectations. It also had a positive impact on compliance and data governance, thanks to its built-in monitoring tools.

What does the future look like for IDP in Latin America?

Pierre-Henri Zoller:
By 2026, we plan to make IDP the backbone of our insurance distribution across the region. It’s not just a tool,it’s a strategic enabler. It helps our partners accelerate their digital transformation, improves customer satisfaction, and strengthens our position as a leading digital player. In a landscape where agility defines success, IDP enables us all to stay ahead of the curve.

In today’s fast-evolving banking sector, easy access and simplicity are essential success drivers. This is why Nickel – a French fintech and part of the BNP Paribas group that is democratising access to basic banking services – decided to expand its offering with a new 100% digital comprehensive home insurance solution. To develop the new product, Nickel teamed with BNP Paribas Cardif and Lemonade, an insurtech recognised for cutting-edge technology.

It took the partners just six months to create an innovative insurance solution that is both broadly accessible and simple to use, aligned with the expectations of Nickel customers.  Nickel Chief Executive Officer Marie Degrand-Guillaud and Marine Perraud, Head of Alternative Distribution for BNP Paribas Cardif in France, talk about the success factors that underpin this partnership.

• Pre-tax net profit of 1.6 billion euros for full-year 2024, up 13% compared to 2023
• Gross written premiums of 36.4 billion euros at end-2024, up 21% compared to 2023
• 287 billion euros in assets under management, up 13% compared to 2023
• Over one hundred partnerships renewed or signed in 2024

2024 results up sharply 

BNP Paribas Cardif continued its growth trajectory with pre-tax net profit of 1.6 billion euros in 2024, up 13% compared to 2023. Gross written premiums for the BNP Paribas Group’s Insurance Business Line reached 36.4 billion euros, an increase of 21% compared to 2023. At the end of 2024, assets under management totalled 287 billion euros, up 13% compared to the end of 2023.

BNP Paribas Cardif operates in 30 countries and generates nearly half of its gross written premiums (48% in 2024) outside of France. Leveraging its diversified partnership model, the insurer, a global leader in bancassurance partnerships, generates more than half of its gross written premiums (52% in 2024) with partners outside the BNP Paribas Group.

Gross inflows in savings worldwide amounted to 28.3 billion euros at the end of 2024 (+24%), with 34% in unit-linked products. In France, savings inflows increased by 15% compared to 2023, reaching 16.9 billion euros. Internationally, gross inflows stood at 11.5 billion euros, up 40% compared to 2023. 

Protection gross written premiums reached 8 billion euros in 2024, up 11% compared to 2023. In France, gross written premiums were up 5% to 1.9 billion euros, energised by property and casualty insurance, which recorded 12% growth, and by affinity insurance with nearly 1.9 million customers at the end of 2024. In international markets, protection gross written premiums reached 6.1 billion euros, an increase of 14% compared to 2023. Growth in Latin America was driven by the rollout of long-term partnerships, particularly in Brazil, where gross written premiums totalled 1.9 billion euros, up 13% compared to 2023. In Europe (excluding France) and other countries, business was up 16% over 2023, with gross written premiums of 3.2 billion euros. Asia recorded gross written premiums of 1.1 billion euros (+10% compared to 2023).

Over one hundred partnerships renewed or signed in 2024 to strengthen products and services for policyholders

The strength of BNP Paribas Cardif’s partnership model was once again manifest in 2024 with the development of key partnerships in Italy with the BCC Iccrea cooperative banking group and in France with the private bank Neuflize OBC. These two major partnerships will enable the insurer to consolidate its leadership in savings and tap into new distribution networks. In France, BNP Paribas Cardif, convinced that life insurance is an essential vehicle that allows French savers to grow their savings and at the same time help finance the economy, relies on a diversified euro fund with a net rate excluding bonuses of at least 2.75% for 96% of its life insurance and capitalisation contracts in 2024. A prudent long-term management strategy and solid reserves allow BNP Paribas Cardif to support its policyholders’ projects and savings objectives over extended periods, with attractive returns on their savings.

The renewal or signing of over one hundred partnerships in 2024 will support long-term business development and strengthen product offerings for policyholders. This dynamism is reflected in new agreements in creditor insurance, a segment where BNP Paribas Cardif is the global leader*. In France, for example, BNP Paribas Cardif has concluded a new partnership with Simulassur, the Magnolia Group’s B2B marketplace specialising in loan insurance, to expand access to its “Cardif Libertés Emprunteur” contract to new brokers and clients. It has also launched new creditor insurance offerings, including in the Nordic countries with the digital bank Northmill. At the beginning of 2025 in France, BNP Paribas Cardif continued to develop its affinity insurance business, notably with the renewal of its partnership with Orange. 

Positive impact drives growth and trust for clients and partners 

As shown by the results of the global study entitled “Protect & Project Oneself” , conducted by BNP Paribas Cardif, demand for protection insurance remained significant in 2024. To address concerns and support individual client projects, BNP Paribas Cardif is continually guided by its mission to make insurance more accessible. By making insurance more inclusive, more understandable, easier to subscribe and to use, BNP Paribas Cardif helps individuals better protect themselves to better plan for the future. This is the case in individual protection solutions with the introduction of a new and educational approach based on a personalised diagnosis, allowing BNP Paribas French Commercial Banking to offer clients the most appropriate level of protection for themselves and their loved ones. This approach as a responsible insurer is also reflected in improving subscription conditions for creditor insurance for people undergoing treatment for HIV in France, going beyond the criteria set by the AERAS agreement, by now approving without additional premium surcharge or exclusions patients with an undetectable viral load at the time of subscription and for loans up to €1 million. This action is part of a broader approach taken for over the past 15 years to offer coverage to the most vulnerable segments of the population under optimal terms and conditions. Additionally, in 2024, BNP Paribas Cardif expanded coverage of the Total Temporary Disability guarantee in its “Cardif Libertés Emprunteur” contract, marketed in France by brokers, financial advisors, and on Cardif.fr. This “Family Assistance” guarantee – which has two components, “parental presence” and “family caregiver” – now better meets the expectations of families facing difficult life events.

BNP Paribas Cardif considers positive impact to be a foundational element in its investment strategy, convinced that this commitment is a factor that nurtures trust among its clients and partners. The insurer implements a responsible investment policy and applies an ESG filter to investments in its general fund. In 2024, 96% of the assets in BNP Paribas Cardif’s euro funds in France underwent ESG analysis, and more than 33% of unit-linked assets are invested in responsible vehicles , representing 19.4 billion euros. BNP Paribas Cardif, which actively implements the BNP Paribas Group’s energy transition policy, has been committed since 2021 to supporting the transition to a low-carbon economy reducing greenhouse gas emissions in its investment portfolios and contributing to compliance with the Paris Agreement. At the end of 2024, the carbon footprint (Scopes 1 and 2 ) of its directly held equity and corporate bond portfolio in the assets of its euro funds had continued to decrease by at least 50% compared to the end of 2020. This approach is also supported by investments aimed at supporting impact initiatives. BNP Paribas Cardif recorded 3 billion euros in positive impact investments addressing environmental and societal issues during 2024, which corresponds to an average of 2 billion euros per year since 2019. 

This commitment to positive impact for the benefit of stakeholders is also reflected in actions taken by BNP Paribas Cardif in favour of a more inclusive society. In 2024, BNP Paribas Cardif and Sistech, an association that supports employment for refugee women in technology and digital professions, signed a partnership to support the association’s beneficiaries. The initiative is part of the “Women & Girls in Tech” program, supported by the BNP Paribas Group. This program aims to promote the recruitment of women in digital and IT fields. In addition, because the number of obesity cases is increasing significantly worldwide, BNP Paribas Cardif has been mobilised since 2021 around the prevention of overweight and obesity. The approach centres on funding research with an international group of doctors and nutrition expert researchers, and supporting several associations worldwide dedicated to preventing overweight and obesity in young people. The program has already benefited 650,000 children and 2 million people, including their family members, in 13 countries.

Technology and artificial intelligence to better serve human needs and increase customer satisfaction

BNP Paribas Cardif firmly believes that technology, particularly artificial intelligence, is key to improving customer satisfaction and supporting partners with quality products and optimised processes. Some 80 AI use cases are currently in production at BNP Paribas Cardif, including 20 dedicated to claims management. The “CardX” solution developed in 2021 to accelerate claims management and automate document processing already handles over 50,000 pages per month in Brazil, Colombia, Spain, and Poland in 2024. New solutions were also deployed in 2024, including with Orange in France, where BNP Paribas Cardif introduced an automatic claims acceptance process based on a score calculated using artificial intelligence. This allows eligible claims declared by policyholders for their mobile devices to be accepted in just seconds.

An insurer’s business involves numerous interactions with its clients. For BNP Paribas Cardif, analyzing and understanding this mass of information is essential to meet the needs for immediacy and efficiency. Its objective is to design simple and accessible customer experiences to meet its three major challenges: raising the level of protection for a greater number of policyholders through greater personalisation and loyalty, improving the customer experience through automation, and optimising processes to meet the expectations of customers and partners.