Identifying disruptive innovations

We have built a comprehensive ecosystem dedicated to innovation.  

It includes intelligence entities like Cardif Lab’, the laboratory of our subsidiary BNP Paribas Cardif Insurance. Its goal is to identify innovations developed across all 37 countries where BNP Paribas Cardif is present, and to then take that inspiration to drive new product and service offerings to insurance customers.

One example includes Habit@t, a connected box linked to sensors installed throughout the home that provides insured customers with immediate alerts via smartphone in case of accident (fire, water damage, etc.). Launched by BNP Paribas Cardif Italy, the innovation won the top prize at the 2014 Golden Circle Awards for Financial Innovation.

Cardif’ Lab: BNP Paribas Cardif’s innovation laboratory in Nanterre

L’Atelier BNP Paribas: Accelerating Innovation

Active for over 35 years, L’Atelier BNP Paribas is an innovation company that advises and supports the BNP Paribas Group and its customers as they carry out their digital transformation efforts. It is based on a unique, open architecture approach that extends beyond the banking sector, with locations in three major innovation regions: Europe, North America and Asia. L'Atelier BNP Paribas communicates its prospective vision and analyses through its website, newsletter, radio shows and other media.

Our ecosystem also includes networking bodies, such as the L’Atelier BNP Paribas Lab, which brings together startups and major corporations to design new digital products and services together. For the Group, this is a great way to meet an operational need, while tapping the resources of budding companies working at the forefront of digital technology. For startups, it provides an opportunity to demonstrate the value of their service or technology by applying it to a concrete market need.  

> The L’Atelier BNP Paribas Lab

L'Échangeur by BNP Paribas Personal Finance

The Center for Innovation, Technology and Marketing in Customer Relations.

Discover L'Échangeur

Finally, we offer communication tools to maximize the visibility of innovative initiatives. Our video magazine Change It identifies the most innovative startups and offers insight into their activities. Covering customer relations, digital technology, health, transport, energy, payment methods and more, Change It regularly showcases a new generation of entrepreneurs working to create new uses to existing products and entirely new ideas.

Supporting innovative initiatives

Since 2007, BNP Paribas has organized its Innovation Awards to support employees that have developed innovative projects to serve customers or internal organizations.

Key figures for the 2015 BNP Paribas Innovation Awards:


initiatives collected across the Group


applications pre-selected by an internal and external selection committee


award-winners, 1 Transversal Special Prize, 10 nominees

We not only sponsor, but also participate, in a variety of awards and major events like the Grands Prix de l'Innovation de la Mairie de Paris, which recognizes the work of innovative companies from the greater Paris region working in high-growth sectors. Others include the MIT Innovators Under 35 Europe , which distinguishes innovation and the development of new technologies in Europe.

We also support various organizations and take part in key events, such as:


The leading European crowdfunding site.
Discover the Group - Innovation - Pacte PME
Pacte PME

An organization that facilitates relations between SME and large accounts, while promoting the emergence of efficient midsize companies.

France Clusters

A network that connects business clusters all across France.

ICT Spring

A global event that brings together 4,000 decision-makers (companies, digital agencies, startups, etc.) every year for seminars and presentations on the latest technological advances.
Partech Shaker
An open innovation campus where
startups can take advantage of one year of support from experts and major corporations, including BNP Paribas.

A laboratory situated in the heart of Silicon Valley that works to identify innovative solutions and services for banks and their customers, through a close collaboration between L’Atelier BNP Paribas and Bank of the West.

More information