HappyNest Qorus Banking Innovation Awards 2023 - Winner

As leading bank and major credit issuer, BNP Paribas Fortis has the responsibility to build a strong sustainability strategy to reduce the carbon footprint of our residential real estate portfolio and support our clients in the transition to green. Driving an energy transition in our residential real estate market should be realized with limited exclusion, focusing on both environmental and social angles whilst keeping bottom line profitability for BNPPF intact. The road toward Net Zero requires a joint effort from all income classes. HappyNest fits in this vision as it only offers newly build, energy efficient units, with the best practices in energy and resource efficiency. HappyNest offers a rent-to-own formula, in which customers will first rent the real-estate, before buying it. At the moment of purchase half of the rent (of the last 4 years) is refunded in the form of a discount on the purchase price. This formula makes green residential real estate more accessible to a wider audience. With this cross-industry platform we bring innovation in the real-estate market by introducing a new product. The bank (BNP Paribas Fortis) brings the financial accumen of financial leasing whereas the construction company (Matexi) delivers real-estate expertise and product offer. HappyNest offers a 'Phygital' user experience in which we cover most of the customer journey on our digital channels, whereas physical visits are done with our local sales agents. The full sales funnel is managed through a CRM system from qualified lead up until contract signature.