Wa! by RMW Qorus Banking Innovation Awards 2016 - Winner

BNPP initiative goal is to be a disintermediation-free experimentation lab governed by a clear and responsible data policy. This experimentation lab is open to national players willing to join to test a new “user centric” strategy thanks to an open digital services platform (including identification, mobile payment, loyalty and CRM). In the long run, our main objective is to build a digital platform aggregating an open ecosystem while becoming a standard in service distribution, starting with three key universes of tomorrow’s world (New retailing experience, Digital Working, and Connected Communities). This strategy is based on the strong conviction that the future of innovation lays in an open partnership approach and a co-built infrastructure. The first B2C value proposition named Wa!, offers new retailing experience services in partnership with major distribution players. It is an omnichannel smartphone application supporting multiple payment methods, opened to multiple retailers, able to manage both loyalty cards and coupons, well beyond payment and secure identification. On the retailer side, Wa! offers a better understanding of their consumers. This first field of experimentation for our digital platform that is connected retail, enables us to tackle strategic partnerships with key actors at the European level in order to address our various targets (B2C, B2B and B2B2C) Tested in 2015, our innovation is currently in pilot phase in more than 10 Carrefour points of sale in the Greater Paris area. This test & learn approach allows us to further refine our value proposition for a commercial launch in 2017.