Helping our partners better prepare their clients for the future
FRANCE
Building a digital service ecosystem to better accompany retirement
To offer a holistic approach to clients’ retirement needs with a complete range of savings and insurance products and services, we created MonDemain, a digital ecosystem for retirement. The platform offers extensive information content to guide the user towards a personalised savings proposal enriched with integrated services, and, when necessary, make an appointment with a specialist adviser at BNP Paribas commercial banking networks. At the end of 2022, the website had welcomed one million visitors wishing to prepare financially for their retirement.
FRANCE
Offering adapted retirement and corporate savings schemes to our partners and their employees
For the last fifteen years, BNP Paribas E&RE has been building and distributing a full suite of investment solutions dedicated to retirement for more than twenty-six thousand corporate clients of all size in France (totalling 1 million and 2,000 million employees). It is thus one of the top leaders on this highly competitive and growing activity, with a market share in sustainable savings twice as big as its global share.
To enlarge our partners' employer value proposition and to offer to their employees adapted corporate savings and retirement schemes, BNP Paribas Epargne & Retraite Entreprises (E&RE) developed a seamless digital journey.
This activity, fully integrated into BNP Paribas Cardif, is also a committed player that offers employees the possibility to invest in sustainable and socially responsible investments which have a positive impact on the real economy. Corporate savings play an important role in companies’ ESG strategy and in strengthening employee engagement.
ITALY
Facilitating product customisation for more personalised investments
Customers today want to remain active, while many are also digitally savvy: they seek personalisation and adaptability of their savings, throughout the product life cycle. BNL Private Selection, an exclusive life insurance product, has recently seen the introduction of new tailor-made elements, allowing customers to set their priorities, including investment objectives, level of protection and risk exposure.
Through a single contract and with different investment methods adapted to each customer, this solution allows customers to invest in general funds and unit-linked funds, with a personalised and dynamic approach.
Protecting all kinds of electronic equipment for greater confidence in refurbished devices
EUROPE
BNP Paribas Cardif partners with brands specialised in selling electronic goods, to better insure new and second-hand equipment and reinforce consumer confidence in refurbished devices.
Enabling customers to insure themselves against breakdown of their household appliances, whether purchased from the partner or elsewhere, new or refurbished, this is the new offer we launched with Boulanger, a French household appliance and electronics leader. This enables our partner to reach and win the loyalty of a larger number of clients.
In order to minimise the time people spend without their equipment and thus increase customer trust in their refurbished devices, we created a specific insurance product with Back Market, the leading marketplace for refurbished devices. This offer is adapted to fully digitalised sales and has very few exclusions. It covers second-hand devices against everyday risks such as breakage, theft, and even negligence. Thanks to this product, we support the partner in its accelerated European expansion, with six new European markets added in less than a year.
In partnership with Orange, a major French communications network operator and digital service provider, we now protect all kind of devices, whether new or refurbished, against everyday risks such as oxidation and breakage. Together, we allow customers to choose to get their device fixed rather than replace it online, and enable them to drop off or send in their mobile to an approved repair centre or shop nearby, where equipment is repaired in less than two hours. As soon as customers submit their claim, a streamlined process powered by an AI-based technology enables same-day approval of all claims.
Thanks to technical mastery of the value chain, the process is managed in real time, which makes it possible to offer a superior and simplified customer experience. This is shown by an NPS which continued to rise in 2022, now reaching 69.