From agentic commerce to supporting groundbreaking startups and embracing major tech trends, BNP Paribas Personal Finance reaffirmed its role as a driver of digital transformation at VivaTech.
Each year, VivaTech serves as a revealing lens—a mirror held up to the entire tech ecosystem to measure what has truly changed. In 2026, the verdict is clear: artificial intelligence has moved beyond promises and into reality. And once again, BNP Paribas Personal Finance was present, staying true to its commitment to innovation, backed by the BNP Paribas Group.
AI everywhere, but with purpose
What Vincent Ducrey, President of the Hub Institute, observed this year marks a turning point: AI is no longer a generic topic. It has evolved into real-world solutions, precise verticals, and measurable use cases. From enhancing customer experience to boosting team productivity and designing smarter products, AI is now hard at work.
For BNP Paribas Personal Finance, this shift validates a strategy that has been in motion for years, directly shaping its technological roadmap: augmented CRM, intelligent chatbots, agentic commerce, and partner relationship management.
A new approach to training: the power of immersion
Internally, BNP Paribas Personal Finance is leveraging AI to accelerate upskilling among its employees. The company has formed a strategic partnership with Muchbetter.ai, a startup specializing in immersive training solutions, to reinvent learning programs for sales teams and customer advisors.
Gone are the days of passive slide decks—personalized learning journeys are taking their place. Through an AI-powered immersive simulation platform, employees can train with virtual customers, replicating real-world scenarios with striking realism. The goal? To sharpen reflexes, refine arguments, and enhance the quality of client interactions.
This approach breaks away from traditional training methods. Instead of top-down presentations, employees engage in repetition-based learning, progressing at their own pace and building confidence. Following promising pilot results, the program is now being rolled out internationally.
At BNP Paribas Personal Finance, the opportunity wasn’t just to digitalize learning, but it was to change the experience itself.
Agentic commerce in Finance: a tangible reality
Agentic commerce is no longer just a futuristic concept—it’s here. During a panel discussion on the topic, Beyza Koyas, Head of Marketing at BNP Paribas Personal Finance, presented a vision that goes far beyond traditional digitalization. At its core is the “Personal Coach”, an AI agent capable of understanding customer needs, anticipating financial challenges, and proactively offering tailored solutions.
With Personal Coach, BNP Paribas Personal Finance is redefining customer relationships. Yet, the company is careful not to pit AI against human expertise. The ambition is not to replace advisors but to empower them—freeing them to focus on what truly matters: listening, empathy, and building lasting trust with clients.
This balanced approach sets BNP Paribas Personal Finance apart in an industry where the push for automation sometimes overshadows the human element.
AI will handle speed, simplicity and scale. Humans will bring empathy, judgment and trust where it matters most.
