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BNP Paribas Personal Finance’s Digital Lab: a unique place with a strong foothold in the consumer loans business!

To meet clients’ needs, most businesses need to transform themselves and integrate the digital dimension into their value proposition. This reality is nothing new to BNP Paribas Personal Finance, a 100% subsidiary of the BNP Paribas Group, active in the consumer loans sector since 1953. The company has always granted a significant place to market research and Innovation, relying on powerful business watch bodies like l’Observatoire Cetelem or l’Echangeur. The outcome of their research work is very useful to BNP Paribas Personal Finance but it is not sufficient. To go a step further and test out the technological solutions identified to keep up with their clients’ expectations, the company has launched its own Digital Lab. To know more, keep reading……

BNP Paribas Personal Finance Innovation and Digital Lab: a startup within the company!

Julien Girault, Head of the Digital Lab of BNP Paribas Personal Finance refers to the Lab as a startup within BNP Paribas Personal Finance! Its main goal is to foster innovation by relying on powerful methods, performing tools and strong expertise to deliver Proof of Concepts. This can only be achieved in a startup like working environment.

Digital Lab is articulated around 3 core principles: innovation, agility and customer focus

The Digital Lab is broken down into five main zones: the creativity room, the dev zone, the digital lounge, the digital wall and the playground. Each of them is a concrete illustration of the core principles that are constantly being implemented by the Lab’s team. See more here!

Within Digital Lab the focus is on 3 main skills; workshop animation and Proof of Concept creation with our product owners Aurélie Vallée & Céline Blot, development of MVP’s with Thomas Bertrand and finally design for all the team.

Client focus is the Digital Lab's purpose. To keep up with their needs, all BNP Paribas Personal Finance staff need to stay at the top of all digital evolutions. This is the key objective of the Digital Lab.

A business orientated Lab to make the right investments and keep an edge over competitors

The Digital Lab has a strong foothold in BNP Paribas Personal Finance’s business. It is a significant contributor to its activities; it allows testing new ideas and validating them out before any important investment is completed.

About BNP Paribas Personal Finance: in all countries where it operates, BNP Paribas Personal Finance offers a complete range of loans for private individuals to support them in their projects. They are available in stores and car dealerships or directly through customer relationship centers and via the company’s local websites.

About OpenUp: the OpenUp Platform connects BNP Paribas employees, working on innovation or business projects, to startups around the world. These startups can be Fintechs as well as startups in other adjacent services and technologies. The OpenUp App allows startups to apply for projects within the bank, connect to BNP Paribas' experts and post ideas, explaining how their solution can improve the bank.  

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