Who are we ?

Our mission

Echangeur BNP Paribas Personal Finance is a technological and marketing center that analyses the latest trends in retail and anticipates their impacts on commerce. It is a reference for all the companies, which aim to innovate right by getting inspiration from the best practices in retail and the new usages of consumers. Its experts help you to build a best in class vision thanks to an immersive and innovative approach in customer relationship. Their analyses are based on returns on experiences, best practices and emerging trends.

  • 40Technological Partners
  • 200Decoded Business cases
  • 12 000Consumers interviewed per year
  • 120Seminars and workshops delivered
  • 15 000Professional supported

Our Methodology

Trends analyses

We decode for you the most impacting technological innovations and consumer usages

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Sharing during our conferences

We put ourselves together in your clients’ shoes to better understand their expectations and discover the tools that will improve your relationship with them.

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Innovative Approach

We give you the necessary impulse to initiate changes through tailor made workshops

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Our team

Cecile Gauffriau
Cécile GAUFFRIAU

Director

GAUFFRIAU Cécile

Director

Graduated from CELSA, Cecile has work experience in press, survey institutes and communication agencies. She then joined the Group LaSer as Study and Prospective director. With Echangeur by BNP Paribas Personal Finance, she contributes to helping retailers and service providers towards a user centric commerce.

Isabelle SELVON

Business Assistant

SELVON Isabelle

Business Assistant

After a BEP Commerce along with a specialization in sales management earned from the CCI of Paris, Isabelle started a 20 years career as an onsite sales representative.
Since 2008 she has been a business assistant first with marketing & sales teams and then within Echangeur by BNP Paribas Personal Finance, where her experience and versatility have been greatly appreciated.

Matthieu JOLLY

Services & Innovation Manager

JOLLY Matthieu

Services & Innovation Manager

Graduated from ESC Toulouse, Matthieu has been working for 15 years primarily on consumer knowledge, decoding their buying motivations. After in depth analyses on CRM databases, he has helped big retailers such as Auchan, Cora, Systême U or But he has brought in 2014 his skills to Echangeur by BNP Paribas Personal Finance convinced of the impacts of service innovation on retail.

Guillaume RIO

Technology and Partnerships Manager

RIO Guillaume

Technology and Partnerships Manager

After a master degree in Retail’s management, he worked for the Auchan Group on various projects around merchandising innovation and digital store for Norauto and Promodès.
In July 2000, he joins Echangeur as a project manager dedicated to new in-store technologies. Since 2007 he leads the technological trends department of Echangeur by BNP Paribas Personal Finance.

Elisabeth MENANT

Technological and Services Trends Expert

MENANT Elisabeth

Technological and Services Trends Expert

After studying at ISTIA, Elisabeth starts her career in the research department of Galeries Lafayette. Her interest for innovation management brought her to the innovation department of LaSer Group. She then joined Echangeur by BNP Paribas Personal Finance where she helps businesses to translate and bring to life an in depth vision of the digital changes.

Nicolas DIACONO

Senior Technology Trends Analyst

DIACONO Nicolas

Senior Technology Trends Analyst

With a degree from La Rochelle business school, he started in a marketing consulting firm specialized in life science, biotechnologies and medical innovation. Then, in 2006 he joined Echangeur by BNP Paribas Personal Finance as sales manager. His passion for innovation leads him in 2011 to become digital marketing project manager.

Benoit CARROUE

Technical and Information Technology Manager

CARROUE Benoit

Technical and Information Technology Manager

After studying at the Bull School of IT and management, he joined the LaSer Group in 1999 as IT system and network administrator for Telemarket.fr. He came to Echangeur by BNP Paribas Personal Finance in 2003 as a Technical and IT System manager. He is also an expert in the Google ecosystem.

Sébastien MOREL

Consumer Profiling

MOREL Sébastien

Consumer Profiling

With a master degree in statistics for decision making, he starts his career at the LaSer Group in 2010 where he helps the marketing department and the business partners of the group. He Joins Echangeur by BNP Paribas Personal Finance in 2012 to work on the learnings from the Echangeur’s Access Panel in order to insure its development and the use of complex approaches.

Cathy DRUAR

Consumer Profiling

DRUAR Cathy

Consumer Profiling

With a master degree in Statistics for decision making, she joined Echangeur by BNP Paribas Personal Finance in 2012 to work on the data and learnings from the Echangeur’s Access Panel. Her interest in understanding the final customer through marketing statistical analyses, brought her to develop new approaches to improve the analyses of client knowledge.

Caroline VEYRET PRUDHON

Consumer Profiling

VEYRET PRUDHON Caroline

Consumer Profiling

Graduated from IEP Grenoble and with a master degree at Progis, specialised in statistics she starts her career at CREDOC and then joins the LaSer Group in 1998. Datamining and client knowledge expert, she becomes part of Echangeur by BNP Paribas Personal Finance in 2013. She contributes to decode the consumer’s environment based on the data and learnings from the Echangeur’s Access Panel