The e-commerce market is growing: 80% of the world’s web users have now made at least one online purchase.

e-commerce: a major, innovative trend-setter

60% of European Internet users buy online* and 37% declare using more than 5 years ago Internet and mobile devices to shop and buy**. Thanks to the Observatoire Cetelem, BNP Paribas Personal Finance anticipated the eBusiness boom and very rapidly built partnerships with major on-line trading partners. The challenge was to provide e-consumers and webmerchants with competitive financing solutions, perfectly integrated within the shopping journey, smooth and available on different devices. To do so, BNP Paribas Personal Finance builtup an efficient and unique pan-European IT platform.

To date, in addition to its worldwide partnerships with leading web merchants in their sector, BNP Paribas Personal Finance supports numerous retailers in their e-commerce strategy, with advanced tools such as access to credit on mobile devices and electronic signature. Best practices and assets are developed cross borders and implemented locally. This allows the transformation of customers’ orientations according to local specific evolutions but also to permanently challenge efficiency of the new solutions. Digital is central to BNP Paribas Personal Finance’s strategy as it can represent in some countries up to 65% of customer acquisition.

*Observatoire Cetelem de la consommation 2015
**Eurostat 2013