PORTUGAL & LATIN AMERICA
Bringing greater value from day one of subscription thanks to digital services ecosystems
Transitioning from a traditional protection-based insurance model to one focused on prevention and customer empowerment, BNP Paribas Cardif has launched an innovative professional and personal development ecosystem in Portugal. This ecosystem is available immediately for BNP Paribas Personal Finance Black+ cardholders, offering them access, without additional cost, to a carefully curated suite of digital services to enhance their employability and personal growth.
For customers, the platform provides essential tools to stay competitive in the job market while also supporting their financial and emotional well-being. The services include online courses via Coursera, a leader in online training; legal advice on labour and tax matters; CV enhancement tools; salary benchmarking; and job offers. Accessible anytime and anywhere, the platform seamlessly integrates customers’ lives without requiring them to file an insurance claim. This initiative redefines the customer-centric insurance experience by delivering added value beyond traditional coverage.
Strengthening customer loyalty
For partners, these extensive service ecosystems strengthen customer loyalty, reduce cancellation rates, and enhance the positioning of brands. With over 80 different types of services available globally, the platform meets the evolving needs of clients, spanning employment, health, and mobility services.
The initiative also highlights the scalability of BNP Paribas Cardif’s platform. Early indicators show promising conversion and usability rates, setting the stage for a broader expansion and deeper penetration in European markets.
Meeting evolving customer needs across Latin America
This Portuguese initiative, which has not been industrialised yet, builds on a previous success launched by BNP Paribas Cardif in Latin America, active since 2019. These ecosystems cater to the growing demand for value-driven services, delivering tangible benefits to customers. Today, over 5.6 million clients across Latin America benefit from these ecosystems, and are satisfied, as shown by a NPS of 87.9. This model not only increases the perceived value of insurance but also strengthens customer retention, brand loyalty, and overall profitability.
Transforming the insurance landscape
By integrating these ecosystems, BNP Paribas Cardif is setting a new industry standard for inclusive and proactive insurance.
The expansion of this strategy in Portugal reaffirms BNP Paribas Cardif’s commitment to providing meaningful, innovative and forward-thinking insurance solutions meeting local needs and requirements.
This image shows a computer screen displaying the MIM portal, a digital platform linked to Cetelem and BNP Paribas Cardif.
The BNP Paribas Cardif +
“We redefine the role of insurance in people’s lives.”
“Our new professional and personal development ecosystem is transformative for our clients. This initiative make insurance benefits begin on day one. By creating new positive touchpoints, these ecosystems change the perception of insurance and improve the value proposition of our partners. Thanks to the expertise of both BNP Paribas Cardif and its partner BNP Paribas Personal Finance, we have created a proactive, client-first model that redefines the role of insurance in people’s lives. The positive feedback we have received demonstrates the need for customer-centric insurance solutions that empower rather than react.”