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# Orange Is Planning to Sell Anytime to Crédit Coopératif as Telecom Giant Exits Banking
- URL: https://www.embeddedfinancereview.com/orange-is-planning-to-sell-anytime-to-credit-cooperatif-as-telecom-giant-exits-banking/
- Published: 2025-06-02T11:52:00.000Z
- Updated: 2025-11-16T20:36:11.000Z
- Description: Orange sells Anytime to Crédit Coopératif as telecom exits banking after BNP Paribas takeover. Why non-financial brands struggle with regulated banking.
- Author: Lars Markull
- Tags: News, Orange, Anytime, Telecommunication, Embedded Banking

**What happened:** French telecommunication provider Orange has signed a memorandum to sell Anytime to Crédit Coopératif ([Orange](https://newsroom.orange.com/le-credit-cooperatif-a-signe-un-protocole-daccord-avec-orange-en-vue-de-lacquisition-de-la-fintech-anytime/?%5Fbhlid=cb73eb5d07357ec96243a85373a17bd1853e5df4&ref=embeddedfinancereview.com)). Anytime was acquired by Orange Bank in 2021 and offers financial services to associations. Crédit Coopératif is a cooperative bank with a strong focus on this customer group.

**My comment:** It was an anticipated move as Orange is divesting from all of its banking activities, which has already resulted in the takeover of Orange Bank by BNP Paribas ([Orange](https://newsroom.orange.com/pr-orange-bnpparibas/?%5Fbhlid=5f2dc92b18ca4d1f4da373f31357535cdbc10df9&ref=embeddedfinancereview.com)). While it always sounds like bad news when a non-financial brand exits its financial service offering, I would compare this to the move of British supermarket chains Tesco and Sainsbury’s. These companies have opted for a fully regulated solution, which involves owning and maintaining a bank. They began their efforts at a time when a bank licence seemed like the best option for a corporation of that size. While telecommunication and supermarkets are widely different, they both have little overlap with financial services. Therefore, building a great embedded banking product is challenging, and the financial products of these three companies were pretty comparable to any other neo- or incumbent bank, so there was no real ‘embedded advantage’.