Cardif Lab' is an innovation accelerator created in 2014 by BNP Paribas Cardif. It supports the company's digital transformation by promoting digital innovations and market technologies for the insurance sector. Cardif Lab' aims to anticipate the future of insurance and create offers and services for partners and their clients. Its mission includes exploring future trends, developing innovative products, and spreading a culture of digital solutions across the company. It is structured around three main axes: Explore, Make, and Grow. The Lab engages in open innovation, research and development, and training employees to prepare for the professions of tomorrow. Positioned as a global specialist in personal insurance and a leader in creditor insurance, BNP Paribas Cardif leverages partnerships in various sectors and operates in 30 countries with a commitment to societal impact and accessible insurance.