BNP Paribas Personal Finance

🏁 60 brands. 25 Chinese players. And one word almost impossible to escape: electric 🚨 Beyond the new models, this year’s Paris Motor Show offered an interesting snapshot of how the automotive market is shifting. Smaller cars, more accessible electric models and growing competition from Chinese manufacturers. 👉 Which of these trends could change the game in Europe? Our economic expert Flavien Neuvy shares his takeaways. #mondialdelauto2026 Mondial de l’Auto - Paris

The mobility market is undergoing major shifts. And they are redefining where value is created. So, we brought together mobility experts and industry partners to combine perspectives on these changes. Three shifts stood out: ➊ 𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 𝗶𝘀 𝗺𝗼𝘃𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝗲𝘅𝗽𝗲𝗿𝗶𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝘁𝗼 𝘀𝗰𝗮𝗹𝗲. Discussions on AI and data highlighted concrete use cases with strong business potential. The next step is to turn the most relevant ones into solutions that can be deployed across markets and businesses.   ➋ 𝗩𝗮𝗹𝘂𝗲 𝗰𝗿𝗲𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗲𝘅𝗽𝗮𝗻𝗱𝗶𝗻𝗴 𝗮𝗰𝗿𝗼𝘀𝘀 𝘁𝗵𝗲 𝘃𝗲𝗵𝗶𝗰𝗹𝗲 𝗹𝗶𝗳𝗲𝗰𝘆𝗰𝗹𝗲. Multi-cycle models, electrification and new mobility technologies are opening new opportunities across the vehicle lifecycle, while putting profitability and sustainability firmly into the equation.   ➌ 𝗠𝗮𝗿𝗸𝗲𝘁 𝗰𝗼𝗺𝗽𝗹𝗲𝘅𝗶𝘁𝘆 𝗶𝘀 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗶𝗻𝗴 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗲𝗱 𝗲𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲. Automotive players are navigating technology shifts, new competitors and evolving business models simultaneously. This increasingly calls for complementary capabilities to address interconnected challenges.   This is where BNP Paribas 𝗠𝗼𝗯𝗶𝗹𝗶𝘁𝘆 makes a difference: connecting expertise from across the Group to provide partners with a more comprehensive response to their mobility needs.   BNP Paribas Personal Finance brings deep automotive finance expertise and a strong market presence to this model: ◉ more than 4 million vehicles financed worldwide with our partners ◉ with mobility now representing 44% of our outstanding portfolio. Behind these figures is a strong track record, built through long-term strategic partnerships and a growing portfolio of mobility players.   ⮑ Our expertise, amplified by the power of the BNP Paribas Mobility ecosystem, supports our ambition to become the leading mobility finance player in Europe.   And yesterday was about putting that collective strength to work: sharing what works and identifying concrete ideas that can be scaled and replicated.   #BNPPMobility

What will define the next decade of mobility? ◉ 𝗘𝗹𝗲𝗰𝘁𝗿𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻. 𝗗𝗮𝘁𝗮. 𝗔𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗶𝗹𝗶𝘁𝘆. 𝗚𝗹𝗼𝗯𝗮𝗹 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝗼𝗻. ↘︎ Several structural shifts are reshaping the market at the same time. At BNP Paribas Personal Finance, mobility is a strategic pillar of our growth, driving us to anticipate these transformations and continuously adapt to a changing market. The results show how far we have come: ⦿ €47bn+ in average mobility outstanding loans ⦿ +60% in business volume between 2021 and 2026, from €12bn to €19bn ⦿ 4M+ vehicles financed worldwide with our partners ⦿ 44% of our outstanding portfolio now represented by mobility. This momentum is further strengthened by BNP Paribas Mobility, a model built around one conviction: increasingly complex mobility needs require an ecosystem approach. ↻ By combining complementary expertise across the Group, we can offer partners a comprehensive range of solutions tailored to their specific needs, supporting our ambition to become the leading mobility finance player in Europe. Understanding today's shifts matters. 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗵𝗼𝘄 𝘁𝗵𝗲𝘆 𝘄𝗶𝗹𝗹 𝘀𝗵𝗮𝗽𝗲 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄'𝘀 𝗺𝗼𝗯𝗶𝗹𝗶𝘁𝘆 𝗲𝗰𝗼𝘀𝘆𝘀𝘁𝗲𝗺 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗲𝘃𝗲𝗻 𝗺𝗼𝗿𝗲! In our latest Expert Insight, Vincent Sussfeld, Deputy CEO of BNP Paribas Personal Finance, shares 4 questions every mobility leader should be asking. ↓ Explore the carousel and join the conversation.

🫢 𝗠𝗼𝘁𝗼𝗿𝗶𝘀𝘁𝘀 𝗺𝗮𝘆 𝗽𝗿𝗲𝗳𝗲𝗿 𝗹𝗼𝗰𝗮𝗹 𝗯𝗿𝗮𝗻𝗱𝘀. 𝗕𝘂𝘁 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲𝘆 𝘂𝗹𝘁𝗶𝗺𝗮𝘁𝗲𝗹𝘆 𝗯𝘂𝘆 𝘁𝗲𝗹𝗹𝘀 𝗮 𝗺𝗼𝗿𝗲 𝗻𝘂𝗮𝗻𝗰𝗲𝗱 𝘀𝘁𝗼𝗿𝘆. The latest edition of the international automotive study from Observatoire Cetelem, based on responses from 15,770 people across 13 countries, explores the tension between national identity and economic reality in today’s automotive market. 4️⃣ findings stand out: 🚗 𝘼𝙪𝙩𝙤𝙢𝙤𝙩𝙞𝙫𝙚 𝙧𝙚𝙢𝙖𝙞𝙣𝙨 𝙖 𝙨𝙩𝙧𝙖𝙩𝙚𝙜𝙞𝙘 𝙞𝙣𝙙𝙪𝙨𝙩𝙧𝙮. Nearly 1 in 4 respondents believe the automotive industry best embodies a country’s economic power. Even as the market changes, cars remain closely tied to how people perceive their country’s industrial strength. 🌍 𝙇𝙤𝙘𝙖𝙡 𝙞𝙙𝙚𝙣𝙩𝙞𝙩𝙮 𝙨𝙩𝙞𝙡𝙡 𝙝𝙖𝙨 𝙫𝙖𝙡𝙪𝙚. 76% would accept paying more for a brand from their country or region. Most would be willing to pay up to 5% more, showing that local identity still matters, but only within a clear price limit. 💰 𝙏𝙝𝙚𝙣 𝙥𝙧𝙞𝙘𝙚 𝙚𝙣𝙩𝙚𝙧𝙨 𝙩𝙝𝙚 𝙚𝙦𝙪𝙖𝙩𝙞𝙤𝙣. 62% have already rejected a brand because it was too expensive, and nearly 6 in 10 motorists would choose a cheaper foreign vehicle over a more expensive domestic equivalent. ⚡ 𝙈𝙚𝙖𝙣𝙬𝙝𝙞𝙡𝙚, 𝙩𝙝𝙚 𝙥𝙪𝙧𝙘𝙝𝙖𝙨𝙚 𝙟𝙤𝙪𝙧𝙣𝙚𝙮 𝙞𝙨 𝙗𝙚𝙞𝙣𝙜 𝙧𝙚𝙬𝙧𝙞𝙩𝙩𝙚𝙣. 52% of prospective buyers intend to choose an electric or hybrid vehicle. And 38% of motorists have already used AI to research, compare or select a car brand. For automotive brands and their partners, origin remains a point of differentiation, but it cannot be the sole driver of purchase. Consumers are looking for the right balance between identity, affordability, innovation and proximity. ➭ 𝗦𝗼, 𝘄𝗵𝗮𝘁 𝘄𝗶𝗹𝗹 𝘂𝗹𝘁𝗶𝗺𝗮𝘁𝗲𝗹𝘆 𝘄𝗶𝗻 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗯𝘂𝘆𝗶𝗻𝗴 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻: 𝗯𝗿𝗮𝗻𝗱 𝗵𝗲𝗿𝗶𝘁𝗮𝗴𝗲, 𝘁𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 𝗼𝗿 𝗽𝗿𝗶𝗰𝗲? 👉 Discover the full study in the comments. Study conducted with Harris Interactive – a Toluna company and C-Ways.

Et si la simplicité était une véritable force ? ➜ Simplifier l'existant. Fluidifier les processus. Optimiser les pratiques. C'est la vision portée par Eric Laquet, nouveau Directeur des Opérations chez BNP Paribas Personal Finance en France. Son ambition : faire mieux, plus vite, tout en gardant ce qui compte vraiment au cœur de l'action, nos clients et nos collaborateurs. Pour lui, simplifier ne consiste pas seulement à gagner en efficacité. C'est créer les conditions pour servir au mieux nos clients et permettre aux équipes d'exprimer pleinement leur potentiel. 🧗 Dans l'escalade comme dans son métier, même exigence : garder le cap, faire confiance au collectif et avancer avec humilité et détermination. ✦ Découvrez Éric en 3 questions !

📈 €200 billion spent online in a single year… and e-commerce is still growing! In 2025, France reached a new milestone, with online sales rising by 7% and setting another record! From services to second-hand goods, consumers are not just buying more online, their habits are evolving too. The numbers speak for themselves: ✔️ More than 42 million e-shoppers in France ✔️ Around 6 purchases per month ✔️ More than €4 600 spent per shopper each year And one trend stands out: second-hand shopping. 40% of online shoppers bought a second-hand product in 2025 and Vinted is now the #2 e-commerce site in France, just behind Amazon. ♻️ With 158 000 e-commerce sites operating in France, online retail continues to expand and reshape the way consumers buy. 👉 Is e-commerce simply growing, or is it fundamentally changing the way we consume? Our economic expert Flavien Neuvy shares his insights!

🛒 Retailers are looking for more than financing. 🏷️ They need solutions that help increase basket size, support conversion and fit seamlessly into their customer journey. 📈 At BNP Paribas Personal Finance, we help our partners do exactly that with innovative financing solutions, including line-level financing: a unique approach that allows customers to finance different products within the same basket, with tailored durations and rates. Combined with our presence in 8 European markets, a single API and a single point of contact, we help retailers scale while keeping the experience simple. In this new NRF conversation, Soraya OCHOA, Global Business Development Manager Retail, shares how we're helping partners unlock growth across Europe. 📍 Last day at NRF 2026: Retail's Big Show Europe. Come meet our teams at Hall 4 | Booth K062 Cetelem BNP Paribas

✨ Un canapé. Un vélo. Un smartphone. Aujourd'hui, l'envie d'acheter est toujours là. Mais avant de passer à l'achat, les consommateurs comparent davantage, reportent certaines dépenses ou recherchent plus de flexibilité. Pour les enseignes, le défi est clair : rendre leurs produits accessibles tout en conservant des parcours simples et sans friction. 🎤 Depuis la NRF 2026: Retail's Big Show Europe 2026, Clémence Legrand, Directrice des Partenariats France chez Cetelem France, partage sa vision des nouveaux défis du retail et le rôle que peut jouer le financement dans cette équation. Cette année est aussi marquée par le lancement de BNP Paribas Merchant Services, qui réunit les expertises du Groupe BNP Paribas autour du checkout marchand. 💚 Vite, passez nous voir Hall 4 | Stand K062 !!

🔮 Integration, not disruption: placing pragmatism at the core of financial innovation. While AI is increasingly present in public discussions, BNP Paribas Personal Finance approaches it as a natural, long-term evolution of our deeply statistical culture. True performance doesn’t come from isolated experiments, but from deeply embedding AI directly into industrial processes to drive real business value. We structure this pragmatic transformation around three main pillars: ⇢ Enhancing customer relations: moving from transactional credit services to personalized, conversational, and proactive interactions that anticipate needs rather than increasing solicitations. ⇢ Strengthening risk management: using advanced machine learning models to detect fraud, identify forged documents (including AI-generated ones), and improve credit decision accuracy. ⇢ Supporting employees: empowering our teams with specialized personal assistants like Annalise ai (used by legal teams to check marketing compliance) to shift their roles toward orchestration and supervision. 🤔 From traditional scoring to generative AI and agentic systems, our focus remains unchanged: a responsible, controlled governance that places human oversight at the heart of every decision. 👉 Discover our full strategy and insights from Gilles de Wailly, our COO and Deputy CEO: https://lnkd.in/eNNNAdqv

Whether in Retail or in the vineyard, he believes success is something you cultivate 🍷✨ Today, in our new Inside Out #interview 🎙️✨, we’re delighted to introduce Augusto Taveira Pinto, Retail Team Leader at Cetelem in Portugal, who has dedicated nearly three decades to the Group. Every day, Augusto helps his teams grow while delivering the best possible experience for partners and customers! ✅ Supporting Retail teams and B2B partners ✅ Delivering value for partners and customers ✅ Strengthening Cetelem's presence in Portugal ✅ Driving commercial action plans and performance But there’s another side to Augusto… Outside the office, he helps run his family’s wine and olive oil business, preserving a tradition that has existed for nearly 300 years 🍇 Curious? Discover his inspiring story via the link below ⤵