Innovation, data, and AI at the heart of Edenred's strategy

Innovation in products and technology sits at the core of Edenred's strategy. Since 2015, the Group has continuously invested in its unique digital platform, giving it a competitive edge and unmatched technological leadership today. Edenred's successive strategic plans (Fast Forward_16-19, Next Frontier_19-22, and Beyond_22-25) have been pivotal in driving the company's growth trajectory and technological innovation.

With its new Amplify_25-28 plan, Edenred aims to unlock the full potential of the infrastructure the Group has successfully built over the past decade: a leading global platform dedicated to employee benefits, business mobility, and B2B payments.

Significant and sustained investments

In 2025, Edenred ramped up its investment pace, allocating approximately €520 million to products and technology. These resources are aimed at strengthening the robustness, flexibility, and scalability of its digital platform, while accelerating the rollout of increasingly innovative and differentiated services.

As part of its Amplify_25-28 strategic plan, Edenred intends to further boost its strategic investments, with total spending expected to reach close to €1.8 billion over the 2026-2028 period. Notably, the group plans to multiply its annual investments in data and artificial intelligence by six by 2028 compared to 2024, in support of an enhanced offering and greater productivity.

Edenred's transformation through data and AI rests on three pillars designed to:

Empower Edenred employees in their daily work. The Group has developed Edenchat, a tool offered to all staff members with training, which now has 6,000 monthly users.
Overhaul critical processes to boost efficiency, quality, and impact. This includes personalized, real-time customer relations and the use of artificial intelligence solutions to increase team productivity.
Strengthen Edenred's competitive advantage in its products. AI enables the Group to completely reimagine certain offerings and business models.

6x
Data and AI investments in 2028 vs. 2024
~€1.8bn
Technology investments over 2026-2028

New services for all stakeholders

AI is viewed as a source of opportunities for Edenred because it enables the development of new services for its stakeholders across all its business lines:

For clients of its engagement platform in Latin America, for example, Edenred is introducing a virtual HR agent capable of handling employee requests, thereby reducing the operational workload for its clients' HR teams.
For merchant partners in the maintenance sector in Brazil, the use of data and AI enables the automated scheduling of repair appointments, consequently reducing administrative tasks and increasing the efficiency of repair shops.
For merchant partners and users in the Employee Benefits business, Edenred provides value-added services by offering the development of Retail Media campaigns, including targeted promotion tools, automated marketing campaigns, and simplified business operations management services (invoicing, conversion tracking, loyalty programs).

Through the use of AI and data , Edenred aims to attract more clients, increase both the number and value of solutions offered, and make its user base more active in order to better monetize it, particularly through its merchant partners.

Dashboard de la gestion de flotte Edenred

Concrete applications

Edenred's investments in AI have already produced initial results in 2025. The use of AI in sales processes, for example, has helped accelerate the acquisition of new clients in the SME segment, enabling Edenred to welcome more than 700,000 new users to its platform in 2025.

Additionally, revenue generated by the Retail Media offering provided to its merchant partners increased by more than 30% over the year. Moreover, thanks to new tools based on artificial intelligence, Edenred is able to generate productivity gains through the automation of certain repetitive tasks. Numerous applications have already been implemented:

Developer tools enabling faster code production and debugging;
Chatbots and virtual assistants that support customer service teams respond to users, or even responding directly to them;
Marketing content production tools for text and visuals;

Artificial intelligence is thus a major source of innovation in the fields of Human Resources and fleet management. As a leader in its markets and an operator of critical infrastructure in these areas, Edenred is ideally positioned to seize the opportunities offered by AI.