SERVICESPutting our clients’ expectations at the heart of our offerings
BNP Paribas tunes into its clients to offer them the kind of personalised services that meet their needs and purposes. As a trusted companion at every stage of their lives, we strive to simplify daily transactions and make them secure, and to help our clients to achieve their projects and prepare for their future. Keep reading for an overview of our latest innovations.
With CASH SERVICES, a local banking offering launched in France at the end of 2023 by BNP Paribas, Crédit Mutuel, CIC and Societe Generale, the clients of the four companies have free access to an increased number of ATMs in urban and rural areas, and improved access to cash and banking services (see below). Through this project of modernisation and sharing of ATMs - operated by 2SF (“Société des Services Fiduciaires”, Fiduciary Services Company) - CASH SERVICES combines customer satisfaction and operational efficiency. The roll-out continues, with a target of nearly 7,000 sites in bank branches and public places by 2026.
CASH SERVICES, much more than an ATM
In addition to the free withdrawal of banknotes, the CASH SERVICES ATMs provide an extended range of services: deposit of cheques and/or cash, account-to-account transfers, printing of a bank account ID statement, access to bank balances and account history.
STRENGTHENING AND DIVERSIFYING OUR SERVICES
Providing our clients with optimised service quality also means protecting their payments against the risk of electronic fraud. This is the objective of IBAN Check, the verification service launched by BNL BNP Paribas in partnership with the French fintech Sis ID. This service allows clients to instantly check whether an IBAN to which they need to transfer money corresponds to a specific tax code and/or VAT number. As part of an exclusive partnership signed with Orange, BNP Paribas Personal Finance has set up, through its Cetelem brand, the “Financement sur mesure” (Tailor-made financing) offering, a flexible-term loan solution. The offer facilitates the purchase of a smartphone or other mobile device for all the operator’s French clients.
HELPING OUR CLIENTS MANAGE THEIR INVESTMENTS
In line with our goal of making BNP Paribas a leading European player in savings, we pay close attention to the management of our clients’ savings, notably by helping them better understand the composition and performance of their investments. This approach reached a milestone with the new dashboard provided by BGL BNP Paribas in Luxembourg, by BNP Paribas Bank Polska in Poland, by BNP Paribas Fortis in Belgium, by Commercial & Personal Banking in France (CPBF) and by BNL BNP Paribas in Italy. Comprehensive and informative, it provides advisors and their clients with an overview of all investments and detailed information by contract. In addition, a virtual assistant for advisors will soon be rolled out to cut the information search and analysis time, so making it easier to prepare client appointments.
In the same vein, CPBF launched a new discretionary management offering for its individual clients. Through it, they can now delegate the management of their life insurance policy to the expertise of our private banking managers. Building on its success, this offering will be rolled out in 2025 in Italy and Luxembourg for the management of investment portfolios.
IMPROVING USER EXPERIENCE
Our value proposition also focuses on optimising our customers’ digital journey. The BNP Paribas Fortis Easy Banking App now includes service vouchers(1) from Pluxee, one of the world leaders in employee engagement and benefits. This feature supplements the range of services already provided by the application, already including Monizze, a provider of meal, sports and culture vouchers. BNP Paribas Leasing Solutions, for its part, upgraded and rolled out its Customer Corner in all European countries, providing its clients with a preferred communication channel with a user-friendly interface adapted to mobile devices. Enabling them to manage their requests easily and to access their documents, this intuitive and secure space contributes to their satisfaction and loyalty. Thanks to a completely revisited mobile application, Consorsbank also offers clients a smoother path towards completing a transaction, opening a securities savings plan, making a transfer or defining their personal preferences.
21.8 millionThis is the number of Orange customers in France who can access the “Financement sur mesure” (Tailor-made financing) offer provided by the Cetelem brand of BNP Paribas Personal Finance. The offer facilitates the purchase of a mobile device and is available online, as well as in the 500 Orange stores in France.