Open-F@b Call4Ideas 2020, the winners of the seventh edition

COP – Chi Odia Paga, Keyless and Morphogram are the winning projects of the 7th edition of Open-F@b Call4Ideas 2020, the international contest of BNP Paribas Cardif in partnership with InsuranceUp. Read more about these projects

Published on 11 Dec 2020

COP – Chi Odia Paga, Keyless and Morphogram of Nubentech are the winners of the 7th edition of Open-F@b Call4Ideas 2020, the international contest launched for the first time in 2014 by BNP Paribas Cardif in partnership with InsuranceUp.

After a Digital Battle lasting almost a month and letting the audience know and choose the most interesting projects with more than 17,000 votes, the 10 finalists including 2 international startups faced one another during the final challenge held yesterday for the first time in a totally digital format. A jury composed of members of BNP Paribas Cardif and external experts from various fields awarded COP – Chi Odia Paga, Keyless and Nubentech for their outstanding interpretation of the changes taking place throughout the world, developing innovative ideas that contribute to lead the insurance industry towards the Next Normal, the future normality.

Open-F@b Call4Ideas 2020, an edition devoted to the Next Normal

A new way to interact, work, study, care, live: this is the Next Normal, an increasingly digital everyday life bringing out new needs and new risks. These are the topics dealt with in different areas, including health, digital life, welfare, home, mobility, security, savings, that start-ups took up the challenge in the last edition of Open-F@b Call4Ideas.

“This year Open-F@b Call4Ideas was an even more exciting experience thanks to the opportunity to renew our support to start-ups in a particularly difficult moment for them to show great resilience” – said Isabella Fumagalli, Head of Territory for Insurance in Italy at BNP Paribas Cardif – “The totally digital format of the challenge has managed to reflect the very nature of the contest, based on the concept of the Next Normal, our new normality going to be further enhanced by technology. This crisis is likely to deliver a great capital: the urge to innovate, with a strong sustainability factor. A new challenge facing us as insurers. The most important and fascinating part of our work is actually understanding the present while imagining the future with new and more accessible and integrated solutions to people’s emerging needs, so as to better protect and make them feel better.”

Open-F@b Call4Ideas 2020, the final event

The final event, presented by the Radio Deejay and TV anchorman Gianluca Gazzoli, was attended by Isabella Fumagalli, Head of Territory for Insurance in Italy of BNP Paribas Cardif, Andrea Rangone, CEO of Digital360, Giovanni Iozzia, Director of EconomyUp and InsuranceUp and Roberto Ascione, CEO of Healthware Group and Gabrielle Inzirillo, Head of Plug n Play Fintech EMEA. In addition to Isabella Fumagalli, the three winning startups have been awarded by Andrea Veltri, Deputy CEO Digital Transformation of BNP Paribas Cardif and Andrea Rangone.

After a first screening vote that involved the entire related audience, a committee consisting of BNP Paribas Group executives and BNP Paribas Cardif, university experts in digital technologies and specialists chose the 3 winners.

Open-F@b Call4Ideas 2020: the winning projects

The projects of COP – Chi Odia Paga, Keyless and Nubentech have stood out for having shown a strong digital ripeness, focusing on innovation and simplicity and being able to better address current issues such as bullying, cyber security and health..

Chi Odia Paga

COP – Chi Odia Paga is a legaltech startup created to defend victims of online hatred. Nowadays this is the sole startup with a social vocation supporting educational projects on online hate, preventing it and offering to haters’ targets all the IT, legal and psychological support services that victims need to protect themselves. The aim is to prevent hatred upstream with education and to stop haters downstream with the law. In September 2020 it has already funded the first projects against cyberbullying.

In the Next Normal, there is no longer any difference between offline and online life. There is only a single dimension of our identity: we are all ON LIFE. And in this ONLIFE existence the insults, threats, harassment and blackmail that come from the internet must be managed with the same effectiveness and efficiency we are used to have in the real world since dealing with what happens ONLINE with OFFLINE services is neither effective nor efficient. COP – Chi Odia Paga is the first legaltech startup in Italy to transform the digital from an offense to a defense tool.

The team of COP – Chi Odia Paga is composed by Francesco Inguscio, Francesco Grotta, Cristina Moscatelli, Luca Vizzielli, Sara Farruggia, Ida Larussa, Matteo Miglietta.


Keyless is a deeptech cybersecurity company that has built the world’s first platform for biometric authentication and personal identity management while protecting privacy. The biometric solution eliminates the need to store and manage sensitive information, allowing companies to adopt password-free authentication, protect their remote workforce and enable robust client authentication at a glance.  Founded in 2019, it achieved a $2.2 million round in July.

Keyless knows that the future demands privacy and security and that customers are looking for holistic, future-proof solutions that provide complete coverage of their security gaps. That’s why the company creates a product that stands out from the competition both technically and commercially. Keyless is the first project to combine “multiparty computing” (which improves privacy) and “zero knowledge testing”, with multimodal biometrics and user behavior modeling, to provide multichannel biometric authentication on all platforms and devices.

Andrea Carmignani, Fabian Eberle, Paolo Gasti, Giuseppe Ateniese are part of the Keyless team.


Nubentech is an innovative startup that develops digital solutions in the field of nutrition, with the aim of simplifying the prevention of problems related to obesity and lifestyle.

95% of diets fail and, according to Nubentech experience, this failure is due to the lack of solutions that allow to visit patients remotely. In addition, the market for nutritional counseling is extremely fragmented and linked to territorial connotations and, consequently, not very scalable. The proposed solution aims to create an ecosystem of solutions for professionals and individuals through Morphogram, the digital solution enabling the analysis of body composition, even remotely; and Nutritionist in, the first vertical marketplace on nutrition allowing to scale the market of nutritional counseling.

The team that worked on the project is composed by Andrea De Cristofaro, Paolo De Cristofaro, Cristian Currò, Fabio De Cristofaro, Giuseppe Mallamaci.

How the winners will implement their project

The 3 winners will be supported by BNP Paribas Cardif R&D team in the development and implementation of their project, which will be integrated in the Company products or offering models. Also this year they will be presented in C. Entrepreneurs Fund, the venture capital fund of BNP Paribas Cardif and will be included in the Open Innovation Scoop platform of BNP Paribas Group International Financial Services hub.

In these seven editions of Open-F@b Call4Ideas, around 500 applications – many from abroad – have been submitted and around 80 innovative ideas have been selected, leading to several partnerships and the implementation of at least one project per year, with a total investment of around one million euros.

All rights reserved

Valuta la qualità di questo articolo

La tua opinione è importante per noi!

Related news