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In a consumer credit market transformed by the rise of BNPL solutions, BNP Paribas Personal Finance wanted to bring the use of the CPay card closer to the key moment: The intention to buy.
Until now, the map was mainly activated via routes post-purchase or marketing campaigns that are disconnected from e-commerce.
Cetelem therefore wanted to create a proactive experience, capable of:
- be inserted directly into partner merchant sites,
- dynamically display the available balance and benefits,
- simplify the process of buying with CPay.
To achieve this ambitious goal, the brand called on Theodo.
Challenges
- Develop an iOS extension in a highly secure environment (BNPP).
- Design an experience fluid and proactive, without manual user action.
- Manage sensitive data in real time revolving credit from the mobile app.
- Allow a autonomous management of the merchant whitelist, via Firebase.
- Create a Clear UX, despite a complex technical background (extension, modal, payment, security).
These constraints made fast and reliable delivery particularly difficult without an ultra-structured approach.
Our approach
What made the difference
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Immediate mastery of Safari iOS
The team backdocumented the Safari integration from the very first sprints, eliminating the risks associated with poorly documented technology. #Right -first-time
Secure communication with the mobile app
The extension exchanges with the Cetelem app via secure APIs, guaranteeing reliability and BNPP compliance. #Tech -enabled network of teams
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Total marketing autonomy
The list of e-commerce partners is managed via Firebase, without new deliveries, allowing rapid scaling. #Just -in-time
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We integrated the CPay card where it is most useful: in the buying process. The Safari extension is a real user accelerator, fluid for the customer, simple for our teams.
Our impact
Extension put into production in 3 months
+5% CPay YoY activation
+5000 new customers
The Cetelem+ extension is now a activatable marketing asset, integrated into several CRM and acquisition paths.
