Digital Retail Strategy 2026 EN Locations Search go to store ... Menu Our strategy DIGITAL RETAIL 2026 Our AMBITION This strategy is based on Carrefour Group’s unique and decisive assets, resulting from the deep transformation carried out since 2018. It is built on a “data-centric, digital first” approach and will be implemented based on four key drivers: Acceleration of e-commerce Ramp-up of Data & Retail Media activities Digitization of financial services Transformation, through digital, of traditional retail operations As a successful first transformation plan comes to its end, we now want to transform Carrefour, a traditional retailer with e-commerce capabilities, into a Digital Retail Company, which places digital and data at the heart of all its operations and its value creation model. This profound change, which we intend to carry out by 2026, will unleash the full potential of omnichannel, which is today the DNA of Carrefour and a unique asset in the industry. Alexandre Bompard, Chairman and CEO Our OBJECTIVES Carrefour aims to triple its e-commerce GMV (Gross Merchandise Value) by 2026, to reach €10bn. The Group also expects that digital will contribute an additional €600m to recurring operating income (ROI) in 2026 vs 2021. To this end, Carrefour will increase by around 50% its investments in digital, with a €3bn dedicated plan between 2022 and 2026. As a result, the Group is raising its annual investment objective to around €1.7bn, at the higher end of the €1.5bn-1.7bn range communicated at the beginning of 2021. Finally, in line with its social and environmental responsibility policy, the Group is announcing the goal of reaching carbon neutrality in its e-commerce activities by 2030 – 10 years ahead of the overall Group objective for 2040. The 4 DRIVERS The Group’s digital strategy will be based on a “data-centric, digital first” approach and will hinge on four priority drivers. 1- Acceleration of e-commerce Capitalizing on these assets and reinforced by the powerful acceleration of e-commerce during the pandemic, the Group plans to triple its e-commerce GMV to €10bn in 2026 vs 2021 intends to establish its leadership in higher-growth formats: Express delivery (less than 3 hours), and quick commerce (less than 15 minutes), reinforcing its leadership in home delivery in its key markets (partnership with Uber Eats and Cajoo and Bringo) B2B, thanks to the strong potential of Atacadão in Brazil The Group’s targeted development in non-food, notably through its marketplaces, social commerce and live-shopping. 2- Ramp-up of Data & Retail Media Carrefour aims to be the European leader in Data & Retail Media, a rapidly growing market that should reach €30bn globally in 2024 (1). The Carrefour Links platform enables Carrefour’s industrial partners to carry out marketing campaigns across all Group assets(websites, applications, stores) and to measure their real end-to-end impact, from visibility to sales transactions. Carrefour Links is now the best Data & Retail Media offer in Europe, thanks to its first-party data, unique in volume and in quality, representing 8 billion transactions and 80 million customers in the world. This data, qualified and granular, is gathered in a unique data lake, fueled in real-time by in-store and digital transactions, and by information from financial services (2) . Carrefour Links also stands out for its partnerships with global tech leaders (Criteo, Google and LiveRamp), allowing to extract maximum value from available data. The Group anticipates very rapid growth of this activity and expects Carrefour Links to generate an additional €200m of ROI in 2026 vs 2021. (1)Source: McKinsey for Criteo, scope excluding China and Amazon. Expected annual growth rate of +30% between 2019 (€14bn) and 2024 (€30bn) (2) In full compliance with regulations related to the protection of personal data 3- Digitization of financial services The Group has built a strong presence in financial and insurance services notably through itsfive banks(France, Brazil, Spain, Belgium and Argentina) and commercial agreements. The Group will leverage on its bank in Brazil, a center of expertise and innovation in the digitization of financial services activities, to develop new financing and insurance products and services in every country where the Group is operating for its B2C and B2B customers (Buy Now Pay Later, micro-credit, affinity insurance, etc.) Digitization of financial services activities and the use of customer data will also enable the optimization of financial services operations (digital marketing campaigns, qualified granting of credit, upgraded scoring) and better manage the cost of risk. 4- Deep transformation of traditional retail through digital Since 2018, Carrefour has pursued a strategy of migrating information technology systems to the Cloud: 30% of Group applications have already been migrated and the Group has set the objective to be a fully Cloud-based company in 2026. The Cloud allows Carrefour to increase its systems agility and the time-to-market in the development of new services and applications. The value extracted from the operational data is reinforced, thanks to the use of artificial intelligence solutions. By adopting a “data-centric, digital first” culture, Carrefour will drive profound changes to traditional business processes including: pricing, assortment strategy, activity forecasts, logistics and supply flows and administrative processes. This digitization will contribute to the improvement of the customer experience, with greater personalization, and of operational efficiency at headquarters as well as in stores. It will also have positive effects on the Group’s NPS, revenue and operating income beyond the previously identified €600m. Significant RESSOURCES In support of its digital strategy, the Group is mobilizing human and financial resources to match its ambitions. By 2024, all the Group’s employees will receive digital training (around 100,000 people per year) in its Digital Retail University, in partnership with Google In order to streamline interactions and support innovation, Carrefour will also provide the Workplace from Meta (Facebook) communication platform to all employees. These internal resources will be underpinned by an open innovation ecosystem including collaboration with startups. these internal resources will be underpinned by an open innovation ecosystem including collaboration with startups. Carrefour will establish: A dedicated Venture Capital Fund, allowing the Group to stay close to innovations and emerging technologiesthrough the acquisition of minority stakes. This fund will be run by a leading venture capital company, in line with Carrefour’s strategic guidelines An innovation studio to accelerate the emergence and the development of start-ups in areasrelated to the Group’s business lines; Carrefour will significantly step up its digital investments, with a €3bn dedicated plan between 2022 and 2026 Towards e-commerce CARBON NEUTRALITY BY 2030 The Group’s digital strategy is embedded within its social and environmental responsibility approach. Carrefour is announcing an objective of making its e-commerce activities carbon neutral by 2030, 10 years ahead of the overall Group objective for 2040. This implies that the impact of the complete act of purchasing, from click to delivery, will be neutral in terms of CO2 emissions. 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