Claire Calmejane

Since the 2008-2009 financial crisis, demand for asset-based financing has surged in Europe, driven by the ecological transition and the investment needs of SMEs and mid-sized companies. Groupe BPCE's €1.1 billion acquisition of Societe Generale Equipment Finance - SGEF highlights this trend and underscores the appeal of asset-based or asset-backed financing in a market experiencing an average annual growth of 6%. #Finance #AssetBasedFinancing #Investment #SMEs #SustainableFinance #Growth #FinancialTrends #Innovation #FinancialIndustry #Strategy #Leadership

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Thank you Global Blockchain Business Council (GBBC) for hosting us ! Key dates to be Mica #compliant by: 📣 #June 2024: for all asset-referenced tokens (#ART) and E-Money #tokens 📣 #December 2024: for all #CASPs and other asset types 👉 Are you are a #Regulator? We are already working with Regulators worldwide and we can support you to get the #transparency & #data you need in your efforts on market integrity, financial stability, and consumer protection. 👉 Are you a #token #Issuer or #CASP operating in the #EU? Reach out to see how we can support you and your team to comply with #MiCA data requirements (#highquality data for #risk #management, #reporting on transactions, #market #analysis, #best #execution, etc) #digitalasset #crypto #data #MiCA

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Two great days around Data: experts, users, businesses gathered to share our Data-driven priorities for 2025 BNP Paribas Personal Finance For once, I was not on stage to talk about GenAI, but to share with Agustina Rosenfeld and Carlos Fialho our concrete action plan to implement responsible AI and to align to AI Act standards 🇪🇺

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Spotlight on this week’s fintech deals, with the US in the spotlight, sealing 4 of our top 10 deals. Our Selected Funding Rounds of the week: ✔ Alan, a French digital health insurance platform, raised a $192 million Series F led by Belfius ✔ AtoB, a US-payments platform tailored for drivers and fleet operators, secured a $130 million Series C (equity + debt) co-led by Bloomberg Beta, General Catalyst ✔ M2P Fintech, an Indian API infrastructure platform supporting core banking, lending, and payment services, raised $50 million in a round led by TAJ INVESTMENTS Our Selected M&A Deals of the week: ✔ IndoStar Home Finance Private Limited, a home finance provider offering affordable mortgages to retail customers in tier 2 to tier 4 cities in India, has been acquired by EQT Group for $210 million ✔ Velocity Solutions, a provider of intelligent deposit growth and overdraft management software for financial institutions, has been acquired by CSI for an undisclosed amount Please click on the link below to read and download our report https://lnkd.in/eeGzY-ue Follow our page and subscribe to receive the latest Fintech Market updates by email (http://eepurl.com/ih7D_5) #fintech #mergersandacquisitions Yonder, Cherre, Ferovinum, Functional Finance

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[Client Case: BNP Paribas 🏦] Discover how Artefact helped BNP Paribas deploy its AI Efficiency program to accelerate the #transformation of the French Retail Bank. 🎥 Watch the video #testimonial: https://lnkd.in/esrHQ27i 🗣 "With a program of this scale, we can expect to see an increase of 10-15% on the bottom line. The use of #generativeAI technologies has been particularly important because it helped us with our users and sponsors, not only to explain things, but also for #adoption," says Adrien Vesteghem, Director of the AI Center of Excellence and AI Program for Efficiency at BNP Paribas The BCEF (Banque Commerciale En France) is an entity of the BNP Paribas Group that is a leading global #financialinstitution, offering a comprehensive range of banking, investment, and financial services, renowned for its strong international presence and commitment to sustainable and innovative #bankingsolutions. 💡 To launch its AI #acceleration program, BNP Paribas turned to Artefact’s teams of experts to help them build an #AIFactory. "The AI Factory is a response to our desire to move beyond the concept and PoC phases and to be able to generate value rapidly, securely and reliably by integrating with our information system," says Anne-Sophie Bourdet, Data & AI Leader – AI Factory Director at BNP Paribas. The BCEF entity needed to offer robust and secure environments to industrialize the solutions developed by their data scientists. These are new requirements in terms of infrastructure (GPU) and foundation, to enable them to achieve the right level of end-to-end industrialization, while keeping their costs under control. 👉 Read the entire case study: https://lnkd.in/gQ-AY6Ja Joffrey Martinez, Partner & Global Financial Services Lead at Artefact, notes: "To industrialize topics around GenAI, 3 major themes must be addressed: 1️⃣ #Architecture optimization to control cost, customer experience and quality; 2️⃣ Value #steering for the priorization of different use cases; 3️⃣ #Organization to ensure sustainable diffusion of these transformation projects within the company. 🎯 Artefact worked extensively with BNP Paribas on deploying AI and GenAI use cases with significant advances in #frauddetection and improved #customerexperience.  Jerome Lhuillery, Data Science Lead – AI Center of Excellence at BNP Paribas, mentions: “We’re also using a lot of GenAI to experiment with #LLMs to provide more effective responses to clients and help our advisors work better every day.” Adrien Vesteghem concludes: "We chose #Artefact for the quality of their offering, the clarity of their vision, and the depth of skills they provide to us in these #AI acceleration programs."

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#FILS is much more than the 3 main events!!! (though I still want to thank Christophe, Enrico and Hank for their invitation). It is an opportunity to catch up with plenty of #buyside, #sellside, #platforms, #data providers and among other things some colleagues and good friends. Did I learn anything? Not really, but I did get some additional insights on: - What's next on FI #automation - The role of #nonbankliquidityproviders, and the value of "low touch" #liquidity - The role of HT relationships (& traditional sellside) is here to stay - Is #PrimaryDigitalization finally happening? - More evolution on the FI #ETF ecosystem and its direct impact in #credit - A lot of hype on #genAI and future use-cases. If you care about FI #electronicmarkets, you should never miss Fixed Income Leaders Summit

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🌱[#ImpactReport] | Would you like to give meaning to your investments and measure their impact with concrete metrics?   We are currently facing a shift of #investmentparadigm and for Amundi, measurability is the key to impact investing, alongside clear impact objectives and continuous dialogue with issuers.   This means that we must: 🔹 Take into account social and #environmentalimpact; meaning a major transformation of our practices, with an inevitable change in mindsets. 🔹 Provide transparent and concrete information on the use of your investments with annual impact reports. 🔹 Help you better understand the different approaches in tackling environmental and social challenges.   👉 Discover our range of #impactinvesting offerings: ⤵︎ https://lnkd.in/eEKdcnNr

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🔍 Our expert, Claude Hirtzig, head of retail banking at Spuerkeess, discusses the pros and cons of having accounts at different banks. Advantages include access to varied services tailored to your needs and a lower risk if one bank faces difficulties. However, managing multiple accounts can be time-consuming and expensive due to maintenance and transaction fees. For more insights, check out the full article on [your] Luxembourg! #FinanceTips #Banking #AskTheExpert

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Instant payment is slowly but surely disrupting the whole ecosystem, questioning well-established paradigms about liquidity management and forcing all stakeholders to adapt their IT and organisations. Philippe Penichou and myself are happy to share our view on this quiet revolution already in progress

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📰 [#PressRelease] | We are delighted to announce that Thomas Miller Investment, specializing in tailored investment strategies for institutional clients, has selected Amundi Technology’s ALTO Investment platform to transform its operating model.   "Amundi Technology provides innovative solutions that enhance the operational efficiency of asset servicers and asset managers. We are proud to announce our partnership with Thomas Miller Investment, which will help elevate the client experience through the ALTO Investment platform," said Olivier Bouteille, Chief Client Officer at Amundi Technology.   Mark Moran, Chief Operating Officer at Thomas Miller Investment, commented: “This strategic partnership is set to significantly enhance our operational efficiency and deliver superior service to our clients, with faster response times and more comprehensive reporting capabilities.”   With ALTO Investment, Thomas Miller Investment benefits from a comprehensive solution that covers the entire Front to Back value chain for asset managers and asset administrators. This solution enables them to streamline their systems and optimize their operational setup with innovative technology.   We are very excited about this new partnership and look forward to supporting Thomas Miller Investment in achieving its goals.   ➡️ For more information, read the press release here: https://lnkd.in/ea-uD4Kh #Technology #InvestmentManagement

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On the occasion of the announcement of Euronext's new strategic plan, Innovate for Growth 2027, I had the pleasure of discussing our ambitious vision for the next three years with key media outlets. Our new strategic plan reflects Euronext’s commitment to innovate. We will develop new offerings to strengthen its presence across the entire value chain of European capital markets. By 2027, we will be a larger, stronger and more diversified company. We will be positioned as the unique and most efficient gateway to European capital markets for listing, trading, clearing, settlement, and custody. The Innovate for Growth 2027 strategy will allow us to achieve organic revenue growth exceeding 5% per year on average per year between 2023 and 2027, while remaining attentive to the industry's active M&A activity. Thanks to Nikou Asgari at Financial Times, to Luke Jeffs at FOW and to Anna Edwards, Guy Johnson and Kriti Gupta at Bloomberg for giving me their time and for sharing Euronext’s ambitions for the future. Financial Times: https://lnkd.in/eBAEh6BU FOW: Pt. 1 https://lnkd.in/ectM_wBR Pt. 2 https://lnkd.in/eBs6WwqS Bloomberg TV: https://lnkd.in/ehA4TbzR

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As a key player in sustainable finance, BNP Paribas recently led funding rounds for two remarkable startups : Klim and Meet My Mama.   🌱 Klim, a leader in regenerative agriculture solutions.   Klim aims to reverse the harmful effects of industrial farming by working with the entire value chain, from agriculture and food producers to retailers and consumers. The objective is to create a fully regenerative food system in which farmers can work sustainably and profitably, while being publicly recognized for their efforts to protect the climate and the soil. 3,500 farmers already use their digital platform, which help them to cultivate 700,000 hectares of land (5% of German farmland).   This is Germany's largest Series A in #AgriTech, a $22M funding round.   🍴 Meet My Mama, the revealer of culinary talents of women from all over the world   Meet My Mama is committed to sustainable, inclusive an innovative catering by promoting the culinary talents of women from diverse backgrounds. It offers a comprehensive support system dedicated to empowering women, enabling them to become independent, entrepreneurial leaders. It's objectives are to create 100 women-led businesses, generate 1,000 jobs and organize 10,000 positive impact events.   A $3M funding, the most important in France's catering industry.   🤝 Supporting such companies, that are driving the transition to a sustainable economy, is central to BNP Paribas' mission. Helping them to enhance their solutions and to expand is part of our commitment to financing solutions that mitigate climate change, make the ecosystems more resilient an improve people's livelyhoods.   Fondation BNP Paribas Act For Impact by BNP Paribas Loubna Ksibi Donia Souad Amamra Youssef Oudahman Robert Gerlach Nina Mannheimer Adiv M. Maha Keramane Sylvain Taboni Pauline Blandin Jeanne Terpraut Mathieu Lévêque  

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Amundi, backed by its extensive expertise in partnering with institutional entities globally, has codesigned a new #ETF solution with the objective of helping #CentralBanks achieve their responsible investment objectives.    This new fund is starting with an initial investment from the FLAR | Fondo Latinoamericano de Reservas, the Latin American Reserve Fund, which has taken the initiative to become the seed investor in this #ESG-oriented ETF, addressing critical market gaps.    Central Banks are key players in setting standards and policies encouraging sustainable practices among financial institutions. This type of solution showcases our client approach and our ability to leverage our leadership in responsible investing to accompany significant players in their ESG journey.   Thanks again to Fidel Jaramillo Buendía and to FLAR for their trust.   https://lnkd.in/eMJmTFqB

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Howard Partners at the heart of FinTech ecosystem ! A warm thank you to France FinTech and the team (Kristen Charvin, Tatiana Ramaroson, Louis de Saint Marc ...)! Especially to Alain Clot! Next Thursday, I will have the honor of moderating the round table on European regulatory topics with a panel of exciting participants : - Matthias Baccino, Markets Group Lead, Trade Republic - Geoffroy Guigou, Co-founder and COO, Younited - Jean-Francois GUILLAUMIN, General Manager France, Solaris SE - Kaido Saar, Co-founder and CEO, Mifundo Banking license: obstacle or catalyst for innovation? A banking license generates trust, creates a barrier to entry, and allows greater autonomy in innovation but also incurs significant costs, delays, and constraints. Is this license essential for platforms, or are there alternative scenarios?

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Last Friday I had the pleasure to present the new French retail payments strategy 2025-2030, drawn up by the Comité national des moyens de paiement (CNMP), which I chair alongside Thierry Laborde and Florence Segurel. The French payments ecosystem is decided to remain as a key driver of the success of the European retail payments strategy, as fostered by the European Central Bank and the European Commission (Ulrich Bindseil Eric Ducoulombier); 🌍 In an increasingly competitive and uncertain world, defending the freedom of choice of secure, inclusive and sustainable #MeansOfPayment for everyone, consumers and professionals alike, is of outmost importance for our country. While supporting the modernisation of everyday payments, our new strategy aims to ensure French and European autonomy in the digital age, through explicit support for the SEPA ecosystem (European Payments Council (EPC)), the Cartes Bancaires CB card payment scheme and the new European wero payment solution (EPICompany). 📢 “With this new national payments strategy, what is at stake is the efficient functioning and the future of retail payments, a domain that is essential to our personal lives and our collective independence. Its success depends on all of us, professionals and citizens alike.” 🎯The new French retail payments strategy 2025-2030, below: https://lnkd.in/ewFQ2r9x 📽️ Watch the video presenting the strategy below:  

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The European Investment Fund (EIF), the European Investment Bank (EIB) and Groupe BPCE have joined forces on an €800m ABS initiative designed to empower sustainable growth for SMEs in Europe. This groundbreaking transaction is a testament to Europe’s commitment to driving innovation, sustainability, and resilience in SME financing. SCI's Selvaggia Cataldi captured insights from EIF's Jesper Skoglund, CFA, CAIA. It’s inspiring to see securitisation not just as a financing tool, but as a force for sustainable transformation across Europe. This transaction reflects the EIB and EIF’s dedication to a greener, more inclusive future. 🌍 Read the article here: https://lnkd.in/esArZXRj #SustainableFinance #ABS #ESG #EIF #EIB #BPCE #SME

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The European Investment Fund (EIF), the European Investment Bank (EIB) and Groupe BPCE have joined forces on an €800m ABS initiative designed to empower sustainable growth for SMEs in Europe. This groundbreaking transaction is a testament to Europe’s commitment to driving innovation, sustainability, and resilience in SME financing. SCI's Selvaggia Cataldi captured insights from EIF's Georgi Stoev. It’s inspiring to see securitisation not just as a financing tool, but as a force for sustainable transformation across Europe. This transaction reflects the EIB and EIF’s dedication to a greener, more inclusive future. 🌍 Read the article here: https://lnkd.in/esArZXRj #SustainableFinance #ABS #ESG #EIF #EIB #BPCE #SME

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🌟 Exciting Announcement: Koaloo.Fi + Google = 🚀 We are proud to share that Koaloo.Fi has chosen Google Cloud to power our mission of accelerating ESG transitions for companies. Special thanks to Fabien Cros from Google for his incredible support in making this collaboration possible. Koaloo.Fi will leverage Google Cloud's cutting-edge technology in Automated Character Recognition (ACR) and Gen AI (Gemini) to enhance our ESG expert chatbot, Greta. This decision allows us to better analyze data from our clients, recommend the best transformation strategies, and boost profitability. Why this matters: - Automated ESG Reports: Delivering lower-cost, highly efficient #ESG reports for #SMEs and #ESG. - Leadership in ESG: Whether you’re an SME owner, an ESG consultant, or an investor, this collaboration provides valuable insights and actionable steps to drive positive change. - Security: Koaloo.Fi will fully leverage Google’s existing security and data protection protocols. 💪 “This collaboration is incredibly exciting for us: it has enormous acceleration potential for Koaloo.Fi and our customers. We truly believe in Koaloo's mission and are thrilled to support their journey towards sustainable innovation,” said Fabien Cros from Google. 😀 “With the help of Google, we are ready to help prepare 2024 ESG Reports on time and make them fully inclusive of SMEs. Choosing to work with Google Cloud was a natural decision given their ongoing efforts to reach Net0,” said Alex Lhéritier, CEO of Koaloo.Fi. 📢 Stay tuned for exciting updates, case studies, and success stories as we embark on this transformative journey together! Let’s shape a sustainable future! 🌍 #KoalooGoogleChoice #ESGExcellence #SustainableFinance Fabien CROS Anthony Dupre Zidane Mohamed Philippe HENRY Béatrice Collot Louis Frank Rajat Mehta Urvikkumar Patel Caroline Peyrat Michael Mansard Silvana GARCIA -FAKIH Mallika Mathur Lhéritier Florence SALIBA Emélie Girardin Emélie HALLE Emelia Holdaway Emelie Magnusson Anne-Catherine Husson-Traore Efi Pylarinou Elena Enache Edouard de Tinguy Alessandro Malagrino’ Alessandro Laghezza Alessandro Casiraghi Gregory Sion Antoine Poirson

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Interesting insights from Marco Pirondini in his Q4 Outlook!

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