Younited and Bouygues Telecom: a strengthened partnership for innovative financing offers

This strategic partnership between Younited and Bouygues Telecom marks a key step in the development of innovative financial solutions in Europe. By combining offers tailored to customers' needs and strategic strengthening via Iris Financial, Younited is positioned as a key player in the transformation of digital financial services.

FACTS

• Younited, announced on January 13, 2025 the opening of exclusive discussions with Bouygues Telecom.

• This partnership is a continuation of their collaboration that began three years ago with the launch of a 100% digital financing solution for smartphones both online and online.

• This collaboration aims to launch a new range of mobile financing offers, enriched by payment cards and loyalty programs.

• Younited accelerates its strategic transformation by becoming "Younited Financial", an official subsidiary of Iris Financial, with an injection of 150 to 200 million euros to strengthen its equity. Its shares will soon be listed on Euronext Amsterdam and Paris, subject to regulatory approvals.

ISSUES

• A competitive telecom and financing market : The partnership with Bouygues Telecom allows Younited to position itself as a key player in the payment and mobile credit ecosystem. This type of offer could appeal to consumers seeking integrated solutions combining telephony, financing and loyalty.

• Strengthening the financial and strategic position: Support for Iris Financial strengthens Younited's investment and innovation capabilities, while opening the way to new markets via Euronext listing.

• Towards greater diversification of services With the addition of payment cards and loyalty programs, Younited is positioned as an actor combining financial services and improved customer experiences.

PERSPECTIVE

• The enhanced collaboration between Younited and Bouygues Telecom reflects a major trend: the increasing integration of financial services into digital ecosystems. This model, popularized by actors like WeChat or Apple, aims to retain customers while diversifying revenue sources.

• In a context where consumers are increasingly sensitive to integrated and personalized experiences, this initiative could enhance Bouygues Telecom's competitiveness in the face of its rivals. For Younited, it is an additional lever to maintain its leadership position in Europe, while aligning it with a global growth strategy.

• Moreover, repositioning as Younited Financial, coupled with a quotation on two European exchanges, allows fintech to increase its visibility and attract new investors. These advances are part of the momentum of successful fund-raising (€60 million in 2022, $170 million previously), which had already valued Younited at over €1 billion.

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