A culture of innovation permeates all AG2R La Mondiale’s (AG2R) businesses, enabling it to build a range of social protection and wealth management solutions that meet the current and future needs of its customers. Internally, several communities of employees are working to accelerate the group's digital transition. Firstly, there are 20 AI ‘champions; who are helping to accelerate the adoption of AI across the group. Next, 29 ‘data referents’ develop the use and quality of data. Finally, 300 ‘digital companions’ are tasked with promoting the organisation’s digital culture and training employees in digital tools.

AG2R’s investments in technology are mainly in France and Europe and range from the seed phase, such as business launch and recruitment, to the series phase of growth and international reach. It operates in six areas: e-health, fintech, insurtech, regtech, operational efficiency and "ageing well”. The amounts invested range from €100,000 to €2m in equity for the initial investment, with the capacity to reinvest in subsequent rounds.

To help accelerate its technological ambitions, AG2R has fostered a culture of cooperation with peers and other industry bodies to implement an open innovation approach with start-ups, incubators and targeted research centres that are all specialists in fields related to AG2R’s business lines. This may take different forms. One example in the development of start-ups is a long-term partnership with a Paris-based start-up accelerator firm, Wilco.

Another example is the creation of and commitment to specialist funds within the AG2R group such as ALM Innovation. This is an investment vehicle dedicated to research and development whose objective is to support young innovative start-ups operating in fields linked to the group’s strategy and accelerate their growth to lead their sectors. Created in 2019, the venture’s investment capital has since increased to €40m.