Placing innovation at the heart of our actions

The innovation strategy adopted by Groupe BPCE makes the human dimension a key facet of its digital transformation process. Our aim is to facilitate the customer and employee experience through innovation developed within the heart of our organization, drawing on the power of artificial intelligence and on the skills of our partners in order to shape the contours of the future.

Payments strategy: continuous innovation

Sovereign partnerships

Groupe BPCE has always been a promoter of sovereignty initiatives in payments and inter-banking services in France and Europe. At the European level, Groupe BPCE is notably involved in the development of the Wero instant payment solution in its capacity as a founding member of the European Payments Initiative (EPI). At a more local level, we are a principal member of the CB Bank Card Association (GIE CB) with a priority focus on supporting the competitiveness of this body and helping the French to digitalize their payment habits.

Open banking: a revolution for the future of financial services

We believe that innovation requires openness and cooperation. By committing to an open banking approach, we are exploring new markets and offering value-added services in collaboration with non-banking partners. Using secure APIs, we are opening up our services to enable our partners to offer these solutions to their customers, transforming the customer experience and modernizing financial services.

At the end of 2024, already 1 out of 4 employees was a user of Groupe BPCE’s internal generative AI portal. Our goal for 2026 is to roll out generative AI tools for our 100,000 employees, with a targeted adoption rate of 50% supported by an appropriate training policy.

We are also investing in transformative AI to optimize our key activities: enriching the tools used by our customer advisors, simplifying the digital experience of our 35 million customers, modernizing our call centers, and improving the efficiency of IT and anti-fraud business lines.  In this way, our ambitious and pragmatic approach to AI aims to make this new technology a powerful lever for serving our customers and employees, without compromising on our core values.

Controlling our impact

Environmental commitment

Aware of the environmental impact of our digital transformation, we set up as long ago as 2020 a department specifically dedicated to digital responsibility, bringing together experts in IT and the environment. Our aim in this area is to minimize the footprint of our digital activities by adopting several innovative levers of action: extending the lifespan of our equipment, optimizing our hardware assets, improving the energy efficiency of our data centers and developing resource-saving applications. And to guide our decisions, our experts have set up tools to measure the environmental impact of our hardware assets, our stored data, and our application solutions.

Finally, we are working to maximize our positive impact, one of the major illustrations of which is the implementation of the program organized last year to reinforce digital accessibility. We are also raising our employees’ awareness of the importance of eco-friendly digital practices for the creation of an environmentally-friendly corporate culture.