{"id":4231,"date":"2025-12-30T15:22:36","date_gmt":"2025-12-30T14:22:36","guid":{"rendered":"https:\/\/www.ca-personalfinancemobility.com\/publication\/signature-dun-contrat-dacquisition-avec-pledg\/"},"modified":"2026-01-06T14:44:36","modified_gmt":"2026-01-06T13:44:36","slug":"signature-of-an-acquisition-contract-with-pledg","status":"publish","type":"publication","link":"https:\/\/www.ca-personalfinancemobility.com\/en\/publication\/signature-of-an-acquisition-contract-with-pledg\/","title":{"rendered":"Cr\u00e9dit Agricole Consumer Finance announces its intention to acquire Pledg to support Sofinco&#8217;s ambition to be a leader in point-of-sale and e-commerce financing in France"},"content":{"rendered":"\n<ul class=\"wp-block-list\">\n<li> Cr\u00e9dit Agricole Consumer Finance and Pledg, a fintech specialist in split and deferred payment, announce the signing of a 100% acquisition contract for Pledg by the Consumer Finance division.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li> This strategic transaction aims to build on the technological investments made by Pledg to strengthen Sofinco&#8217;s offer on split payment and more broadly support Sofinco&#8217;s ambitions to be the leader in point-of-sale and e-commerce financing in France.<\/li>\n<\/ul>\n\n\n\n<p>The acquisition of Pledg by Cr\u00e9dit Agricole Consumer Finance will enable fintech, which represents a portfolio of more than 200 partners and \u20ac220 million in annual production in 2023, to continue its technological investments.<\/p>\n\n\n\n<p>In a spirit of pooling, this strategic operation will enable the acquisition of know-how in the exploitation of partner data and maturity in the use of the various tools (proprietary scoring, open-banking, etc.) of interest to Sofinco.<\/p>\n\n\n\n<p>In a market undergoing restructuring and in anticipation of the transposition of the new European Consumer Credit Directive, which will integrate split payment with consumer credit, Sofinco will benefit from synergies with Pledg to consolidate its position in the split payment market and offer its 7,000 partners increasingly efficient and innovative pathways.&nbsp;<\/p>\n\n\n\n<p>The carrying out of the operation is subject to the usual suspensive conditions in this field. The impact of the transaction would be neutral on Cr\u00e9dit Agricole S.A.\u2019s CET1.<br><\/p>\n\n\n    <section class=\"bloc-capfm-citation_extended\" style=\"--background-color:#d8ead7;\">\n            <div class=\"content\">\n                <div class=\"image\">\n                                    <\/div>\n            <\/div>\n            <div class=\"quote\" style=\"color: #000000;\">\n                \n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>We are delighted with this transaction, which confirms the validity of our choices and the quality of both our technology and our customer portfolio. Banking backing was the way to go and Consumer Finance is the preferred buyer, due to the number of merchants served, their know-how in consumer credit and the human quality of their teams. All Pledg employees are pleased to support Sofinco&#8217;s ambitions.<\/p>\n<\/blockquote>\n<\/blockquote>\n\n\n                <div class=\"quote-footer\">\n                                        <div>\n                                                <div class=\"names\" style=\"color: #000000;\">Nicolas PELLETIER<\/div>\n                                                                            <div class=\"job\" style=\"color: #000000;\">CEO of Pledg<\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n    <\/section>\n\n\n\n<p><\/p>\n\n\n    <section class=\"bloc-capfm-citation_extended\" style=\"--background-color:#d8ead7;\">\n            <div class=\"content\">\n                <div class=\"image\">\n                                            <img decoding=\"async\" src=\"https:\/\/www.ca-personalfinancemobility.com\/wp-content\/uploads\/5c880a9d7b0c152a60ed7ea85480a580be6a25c7.jpg\" alt=\"\" \/>\n                                    <\/div>\n            <\/div>\n            <div class=\"quote\" style=\"color: #000000;\">\n                \n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The acquisition of Pledg is an opportunity to consolidate our activities on split payment, both on e-commerce routes but also in points of sale. This operation allows us to benefit from a specialized expertise that will position Sofinco as the reference player on the French market. It is a service that has become essential to meet the demand of our various partners and end customers.<\/p>\n<\/blockquote>\n<\/blockquote>\n\n\n                <div class=\"quote-footer\">\n                                        <div>\n                                                <div class=\"names\" style=\"color: #000000;\">Franck ONIGA<\/div>\n                                                                            <div class=\"job\" style=\"color: #000000;\">Managing Director of Sofinco<\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n    <\/section>\n\n\n\n<p><\/p>\n\n\n<section class=\"bloc-capfm-download-documents\" style=\"\">\n                    <h2 class=\"title\">Downloadable Document<\/h2>\n                            <div class=\"description\">\n                            <\/div>\n                                    <ul class=\"documents\">\n                                            <li>\n                            <a class=\"piano-download\" role=\"button\" download=\"2024-02-15-cp-cacf-pledg-signing-vdef.pdf\" href=\"https:\/\/www.ca-personalfinancemobility.com\/wp-content\/uploads\/2024-02-15-cp-cacf-pledg-signing-vdef.pdf\" target=\"_blank\" aria-label=\"Press release, nouvel onglet\">Press release<\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/section>\n\n\n<p><\/p>\n\n\n\n<p>Cr\u00e9dit Agricole Consumer Finance press service<\/p>\n\n\n\n<p><em><strong>\u00a0<\/strong>Claire Garcia &#8211;\u00a0<a href=\"mailto:presse@ca-cf.fr\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"presse@ca-cf.fr, nouvel onglet\">presse@ca-cf.fr<\/a><br>\u00a0+33 (0)1 87 38 11 81 \/ +33 (0)6 80 41 17 77<\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This transaction aims to capitalize on Pledg&#8217;s technological investments in order to consolidate Sofinco&#8217;s offer.<\/p>\n","protected":false},"featured_media":4233,"template":"","meta":{"_acf_changed":false,"footnotes":""},"categorie-publication":[85],"type-publication":[105],"class_list":["post-4231","publication","type-publication","status-publish","has-post-thumbnail","hentry","categorie-publication-innovation","type-publication-press-release"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Signature of an acquisition contract with Pledg<\/title>\n<meta name=\"description\" content=\"This transaction aims to capitalize on Pledg&#039;s technological investments in order to consolidate Sofinco&#039;s offer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ca-personalfinancemobility.com\/en\/publication\/signature-of-an-acquisition-contract-with-pledg\/\" 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