[INNOVATION Ambassadors] Carboosting : AI-Powered Dynamic Pricing

The Innovation Ambassadors program, which includes 5 winners among 102 innovative projects submitted from 24 entities worldwide in 2025, shows that innovation can be found everywhere at
BNP Paribas Cardif!

Briefly introduce yourself

Hello, we are Matías González and Jaime Ahumada from Chile, and we are part of the CarBoosting team, a project recognized through the Innovation Ambassadors program at BNP Paribas Cardif.

We are passionate about innovation and collaboration as key drivers to improve customer experience and create real value for the company. Our work sits at the intersection of data, technology, and business, where we focus on solving complex challenges through teamwork and analytical thinking.

Being part of CarBoosting has allowed us to combine structure with creativity, always keeping the customer at the center of our decisions. We strongly believe that innovation happens when diverse perspectives come together around a shared purpose.

Present your initiative 

CarBoosting is an AI-driven initiative designed to improve car insurance pricing in Chile, with the aim of making insurance more accessible, fair, and customer-centric.

The project emerged from a business need to identify pricing inefficiencies using data. By combining business knowledge, advanced analytics, and strong cross-functional collaboration, the team developed a model that rebalances premiums more equitably—reducing costs for overpaying customers while adjusting prices for those below the portfolio average.

This collaborative approach enabled a fast transition from concept to implementation.

For BNP Paribas Cardif, CarBoosting delivers a more competitive pricing strategy, stronger risk management, and a scalable solution that can be adapted to other markets and partners.

How does your initiative correspond to the category won?

CarBoosting perfectly reflects the Leading Innovation in AI category. It showcases how AI can be applied not only to optimize performance, but also to promote fairness, transparency, and customer value. What makes this project particularly distinctive is its scalability and adaptability.

The solution is designed to evolve and be deployed in other partners, making it a long term strategic asset. More importantly, it demonstrates how AI can be used responsibly to support both business objectives and customer trust.

What are the next steps for your initiative?

Looking ahead, our next step is to scale CarBoosting to other partners in Chile and explore its use in other markets across the region. At the same time, we are continuing to enhance the model by incorporating new data sources and improving its performance.

From the auto insurance perspective, our ambition is to ensure that the initiative remains relevant, impactful, and future ready.

What are your tips for innovating at BNP Paribas Cardif? 

Be open to new ideas and perspectives, and don’t be afraid to experiment.

True innovation happens through collaboration across teams, always keeping the customer at the center.