FINTECH INNOVATION CHALLENGE
SuperTech supports technology-led innovation challenges to drive growth across the region and beyond.
ARE YOU A TECH INNOVATOR WANTING TO COLLABORATE WITH LEADING FINANCIAL SERVICES PROVIDER, BNP PARIBAS PERSONAL FINANCE IN A CULTURE OF OPEN INNOVATION AND CO-CREATION?
CHALLENGE FOCUS: HOW MIGHT WE USE GEN AI TO ENHANCE OUR CUSTOMER COMMNUNICATIONS AND INSIGHT TO DRIVE ENGAGEMENT AND EFFECTIVE ACTIONS?
WORKING IN PARTNERSHIP TO ACCELERATE INNOVATION
As a leading consumer finance provider in the UK, BNP Paribas Personal Finance UK supports over four million customers, welcoming a new customer every 22 seconds and has a rich partnership ecosystem, including leading household names, covering retail finance, personal loans and motor finance. SuperTech is proud to be working with BNP Paribas Personal Finance UK yet again bringing their team together with FinTech SME’s to drive innovation within the financial sector
PROGRAMME DETAIL
Data and digital transformation is a fundamental part of BNP Paribas Personal Finance’s strategic plan and this year’s challenge centres on how the sector can use Generative AI to enhance customer communications and insight to drive engagement, understanding and effectiveness in two key areas:
Content creation: Generating content for communications to aid customer understanding and effective actions to drive good outcomes in line with Consumer Duty. This may include new formats of communication including video, and must align with consumer Tone of Voice. e.g.
“I spend hours copywriting or editing emails to make sure they are in plain English, in line with Consumer Duty and our Tone of Voice - there must be a better way!"“
Language that customers speak: solutions that makes it easy for customers to read and understand communications, for example, if English is not their first language or they may not be so financially literate. e.g.
“Our customers come from different cultures with different first languages - how can we make it easier for customers to understand our comms and be more personal?”
Challenge focus
"How might we use Gen Al to enhance our customer communications and insight to drive engagement and effective actions”
This programme welcomed nine successful FinTech SME’s who have benefited in many areas, including the opportunity to collaborate with BNP Paribas Personal Finance in a culture of open innovation and co-creation.
The fully funded programme provided comprehensive business support services, including a flexible co-working space from STEAMhouse, innovation tool and mentorship from senior financial services experts, proposition pitch opportunities, and personalised 1:1 support.
Depending on the commercial viability of the solutions developed, participants have the chance to progress their concepts into fully fledged products. Following the success of the previous year’s programme, BNP Paribas Personal Finance UK advanced four solutions to customer trials via the myCreation app.
Applications were open to FinTech focussed SME businesses with a digital solution to this challenge.
KEY DATES
This programme is in progress, candidates have been selected, applications are currently closed.
Follow SuperTech for 2026 programme announcements.
2026 Dates - TBC
BENIFITS FOR SME PARTICIPANTS
Collaborate and Learn: Access to expertise and skills development opportunities in a broad range of areas.
Gain insights and learn new methods of innovation to help you develop something new.
Co-creation with BNP Paribas Personal Finance.
Get practical, useful and actionable feedback from subject matter experts to help grow your business.
Test & Validate Your Technology: Develop and retain your IP.
Expand your network: Create new connections and meaningful opportunities for collaboration within the local ecosystem.
Gain Market Credibility; Strengthen your position as a trusted FinTech provider.
Meet the Successful Innovators Selected for the BNP Paribas Personal Finance Innovation Lab
PARTICIPANT CONSIDERATIONS
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There are a number of key dates and in-person events involved in the programme. 2026 dates to be announced.
Information webinars for prospective applicants to the programme
In person, all day event for successful candidates for official programme launch.
In person all day Mid-point event.
In person all day event Showcase dayfor all programme participants.
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This Innovation Lab does not provide the following:
Guaranteed procurement or a contract at the end.
Guaranteed access to sandbox environment for testing.
Direct access to customer data.
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BNP Paribas Personal Finance is a market leader specialising in retail finance, motor finance and personal loans, with over 50 years of experience in the UK. Through its consumer brand ‘Creation’ BNP Paribas Personal Finance supports many of the UK’s leading brands including Currys, John Lewis, Dreams and B&Q, providing innovative solutions to drive sales and build customer loyalty. It brings global expertise, innovative thinking and valuable customer insights, fuelling business growth for over 300 partners, and helping 4 million customers to buy the things they want through helpful and responsible finance.
Customers are acquired through BNP Paribas Personal Finance when they purchase products (such as consumer electronics, kitchens, beds, sofas or cars) and their finance is managed through the Creation Finance App. Once registered, customers can see their balance and make payments.
The Creation Finance App is at the heart of the business in the future where customers can not only manage their accounts but more importantly learn about additional services and experience value added services that drive engagement and usage of the App. The challenge therefore focused on opening up the opportunity to collaborate in the pursuit of this business ambition.
Read below for points to note and key dates and background to BNP Paribas Personal Finance.
HOW DOES THE INNOVATION LAB WORK?
FinTech is a rapid accelerating industry and an intrinsic way to deliver financial services in the UK. But not all of the best solutions to challenges faced by financial institutions start as a fintech business or application.
BNP Paribas Personal Finance recognised this phenomenon and partnered with SuperTech and STEAMhouse to create this exclusive incubator programme.
Prior to the public launch of the challenge, the definition and focus for it is aligned to strategic priorities and to ensure a clear and focused value proposition.