About
Our innovation can be described at two levels: 1) The enabler: 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) 2) The first application: Simplify your shopping experience both in store and online while never missing out on loyalty benefits, coupons or special offers again!
Innovation presentation
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.
Uniqueness of the project
Our RMW platform is a unique disintermediation-free experimentation lab. This platform is based on an open partnership strategy which means that a series of digital services can be co-built and then integrated and aggregated in order to answer the end user needs. No such platform has been initiated or joined by an historical player to date.
Through our RMW platform, we operate the Wa! application which is user-centric. Contrary to other services, our innovation is changing the world of retail. This initiative is unique for more than one reason:
1/ Functional scope: this platform starts from BNPP legitimate domain (payment, secure identification) but expands to the world of retail and consumption
2/ Its approach: our innovation is open to partners and aims at co-building the digital services of tomorrow with large retailers, manufacturers and startups in order to gather national players.
3/ Its solution: a bimodal approach and the construction of the next generation platform
4/ Working methods: multidisciplinary teams (digital, distribution, retail, commerce, finance, IT), with an Agile approach, UX Design, flat operation
