This is a collection of generic Q&As. It might be updated as the project moves on, based on the questions you’d have raised. So feel free to reach out!

What are the main themes of the call for projects?

The scope of the call for projects focus on customer identity verification technology, a solution that could support our company to confirm customer identity before disbursement.

Is it possible to contact the project team for further details before applying?

Yes, you can write to a specific email address:

What role does XNode play in the call for projects?

XNode is assisting GAC-Sofinco all through the call for projects, from the formulation of the value proposition for start-ups to the selection of the winners.

Will the applicants retain intellectual property rights for their solutions?

Applicants will, of course, retain intellectual property rights over their own solutions. As regards solutions co-created by GAC-Sofinco and applicants, a legal term sheet will be proposed after the winners are selected, and this will provide a framework to settle the question of sharing intellectual property rights. This question will be discussed in negotiations between the start-up and GAC-Sofinco, or intellectual property will be shared by default.

What are the selection criteria?

Applicants will be evaluated on the quality of both the company and the experimental project with GAC-Sofinco. Applications will be selected according to their clarity and various criteria including but not limited to:

The quality of the company:

  • Quality of the team
  • Maturity level of the solution proposed
  • Soundness of the business model
  • Etc.

The quality of the experimental project envisaged with GAC-Sofinco:

  • Innovativeness and impact on the satisfaction of the customer/partner
  • Feasibility
  • Potential (including financial)
  • The start-up’s level of involvement with the project
  • Etc.

What is Start & Pulse?

CA Consumer Finance launches the 2nd season of Start & Pulse, its international open innovation program in partnership with Cap Digital, which is part of the Crédit Agricole group’s global innovation approach.

A call for projects is launched in each subsidiary of CA Consumer Finance: the Corporate Center and Sofinco in France, Agos in Italy, Credibom in Portugal, Creditplus in Germany, GAC Sofinco in China, Wafasalaf in Morocco, FCA Bank in Portugal and Bankia CA CF in Spain.

The objectives of the CA Consumer Finance group? Innovate faster and be more audacious to better serve its clients and employees, and support start-ups to accelerate their growth and commercial success.