Participatory innovation

Serving people means meeting their needs at the precise moment when they appear. For our group, this implies a capacity to anticipate. We are currently experiencing a digital revolution, the impact of which is being felt in all aspects of daily life and requires constant adaptation. 

Up group is evolving in sync with societal and technological advances, its cooperative values supporting this transformation process. The group has invested in dematerializing its offer to make its client solutions more connected, more fluid and more customized. To do this, it relies on an innovation process that is both centered on its staff and open to the outside world, including start-ups. 

This approach aims specifically to test and deploy solutions that facilitate the use of payment systems proposed by the group, provide added value services to its customers and trading partners, and more generally to support all of its businesses in the digital transition in the relevant countries.


Our innovation capability requires rigor and method, thereby honing our focus on results. This process is a collective asset that drives us to improve the present and look to the future with openness and pragmatism. 

In order to imagine tomorrow’s products and services, we enrich our innovation policy through a participatory process that involves all our staff, because they are in the best position to reflect on how to improve our offers. 

Innovation is a value that is part of a strong corporate culture that treasures openness, curiosity and creativity on the part of our employees, whether for designing a product, improving a process, or mustering or supporting team development. 


Up group’s cooperative model is also built on a sustainable relationship with our entire community: merchant partners, beneficiaries, client companies, external experts, etc. We involve all the stakeholders in our ecosystem in our innovation policy. 

This pragmatic approach based on co-authoring makes it possible to identify people’s needs, methods and expectations. In a process of dialog, we put our heads together with an open attitude, with the aim of generating new ideas and building services that are useful, meaningful and add value for everyone.




Up group also looks to the outside world in order to speed up the dynamic of innovation. Inspiration stems from the creativity and agility of startups, as well as from partners who are innovation experts.

Innovation Accelerator

In collaboration with the Open Innovation Institute, Up group initiated a call for innovation addressing start-ups, for ambitious projects supporting the transformation of the group. The objective of this program is to work with the start-ups to identify, co-develop and test the services, uses and solutions which will improve the beneficiary’s experience and use of our vouchers, or improve our affiliates’ performance. 

Experienced managers from subsidiaries in each of our countries work with the start-ups, and the start-ups, through this performance raising program, enjoy an opportunity to boost their own development thanks to the fact that they are given access to the resources and competencies of the group in a context that focuses on a collaborative approach.


To identify the future “nuggets” of the digital industry and contribute to their development, Up group has chosen to invest €10 million over a 3 year period in the Digital II investment fund of Idinvest. Our goal is to detect new uses as early as possible and become front-line observers and stakeholders in innovation.

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Open Innovation Club

Up group also contributes to the Open Innovation Club, an initiative dedicated to the development of business relationships between large corporations and start-ups. The Club includes nearly 80 key accounts, and is run by Paris&Co, the agency in charge of developing the economy, attractiveness and innovation of the city of Paris, and which runs 20 business incubators in the capital, i.e. a community of 500 start-ups.

Through the Open Innovation Club’s various events and activities, the group can identify interesting start-ups by taking part in the theme-based “innovation dating” events, or by issuing calls for innovation when a specific need arises. These events are also an opportunity to connect with non-French start-ups during annual “learning expeditions” held in the world’s major innovation centers.

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Discover the innovation process of Up group

A responsible approach with start-up companies.

As an expression of accountability with respect to our project partners, Up group wishes to guarantee that start-ups will benefit from effective and respectful collaboration. This is why we have developed an internal charter, to raise awareness and engage our teams to follow good practices.