BNP Paribas Personal Finance proposes an offer built with two goals in mind:
• help households carry out their projects and manage their budget
• meet the specific needs of partner companies


BNP Paribas Personal Finance provides its partners with expertise in financial services and client and customer knowledge that provide long-term support and development.

Partnerships cover agreements with leading retail distribution players, in the sectors of e-business, automotive industry and bank-insurance for the implementation of financing solutions and payment for the design and implementation of customer relations programs linked as well as credit.

For over sixty years, BNP Paribas Personal Finance has offered major retailers turnkey financing solutions and the use of new payment technologies for various channels, in their own name or as a white label.

BNP Paribas Personal Finance supplies Web merchants with competitive payment solutions that are integrated within the purchasing process; they provide a smooth client experience and can be used on different channels. We also support our retailers in their e-business strategy with tools like credit access on smartphones or electronic signatures.

BNP Paribas Personal Finance can intervene at each step in automobile distribution, from the carmaker through the dealer to the end customer, with specific financing and insurance offers. The offers are addressed to manufacturers and dealers as stock financing, support for customer loyalty programmes and assistance in training sales forces, and to their professional and private customers as traditional loans or leasing agreements combined with a complete range of insurance and capital protection products.

Bank and Insurance
BNP Paribas Personal Finance is the financial partner for large banks and insurance companies and provides them with loan expertise.

Our value proposition involves three key strategies:

  • Anticipate: decipher and anticipate the market evolution of our partners and of consumer trends.
  • Capture: develop strategies for acquiring new clients and increasing their purchasing frequency of existing customers.
  • Transform: implement service solutions for our partners to transform client interactions into transactions.


BNP Paribas Personal Finance deciphers and anticipates evolution in the retail distribution market and consumer trends.
BNP Paribas Personal Finance deciphers consumer behavior to provide pertinent advice for partners and contribute to the design of their customer strategy.

Exploration of the retail and automobile environments Evaluation of consumer trends
  • Tracking of new players, models, habits and new practices
  • Tracking of technological innovation in the world of trade
  • General market trends
    • L’Observatoire by BNP Paribas Personal Finance products two annual multi-country studies dedicated to consumption and the automotive sector
    • L’oeil by BNP Paribas Personal Finance detects and analyzes emerging consumer phenomena
    • “L’Echangeur” by BNP Paribas Personal Finance is a center of technological and marketing innovation adapted to customer relations
  • Partner’s market trends


BNP Paribas Personal Finance helps partners develop strategies for acquiring new customers and increasing their purchasing frequency.
BNP Paribas Personal Finance contributes to increasing the number and value of its partners’ customers:

Knowledge of partners’ customer behavior Design and creation of customer / relational marketing programs
  • Understanding customer behavior and the performance of portfolio promotion actions through client data analysis
  • Capitalizing on customer data to develop sales and turnover
  • Design and implementation of relational programs tied to credit (promotion / loyalty / CRM)


BNP Paribas Personal Finance implements solutions for its partners that transform customer interactions into business.
The goals are to create and increase traffic, convert visits into purchases, increase the average purchase and facilitate transactions.

Offers for financing and paying for purchases Customer insurance solutions Technological innovation to facilitate the customer journey Payment and promotion
  • Financing product line
  • Automobile leasing product line
  • Payment means range
  • Prepaid cards
  • Financing of carmaker and car dealer stocks
  • Sales personnel training and motivation
  • Commercial communication at point of sale
  • Borrower insurance
  • Purchasing warranty
  • Warranty extension
  • Dematerialized credit subscription
  • Electronic signature
  • Web-to-store journey built into the partner’s environment
  • Sale tools for automobile dealerships
  • Payment solutions
  • In-store promotional program