Societe Generale nurtures and accelerates innovation in order to better serve its clients, integrating all the potential avenues offered by digital. For new uses, new services: the bank is committed to anticipating the needs of its clients and to inventing new banking solutions to meet them.

Frédéric Oudéa Chief Executive Officer

New technologies, new client behaviours: we see this enthusiasm for digital solutions as an excellent opportunity to reinvent all aspect of the bank of tomorrow. An opportunity to develop new value-added services for our clients, real-time and personalised services available on a large scale.

Improving customer service with innovation and a digital culture

We are renewing our relationship to our clients by transforming our tools and our working methods. We are reinventing our services without changing our fundamental role, that of supporting our clients as closely as possible, advising them, helping them to best manage their finances and making their daily lives easier.


Opening an account 100% online thanks to biometrics

For the first time in France, a bank offers its customers the possibility of opening an account entirely online, with no mandatory transfer, using biometric facial recognition with a dynamic selfie in order to verify the identity of the future customer. Societe Generale aims to achieve 30 % of new accounts opened online by 2020 (compared with 10% at present).

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Working in partnership with FinTechs

With Fiduceo, Societe Generale became the first bank in France to acquire a fintech company. Since then, we have seen a multitude of partnerships, investments, experiments and exchanges, well beyond the borders of France. In 2015, Societe Generale's subsidiary Boursorama announced the acquisition of Fiduceo, a French online personal finance management firm. Thanks to the expertise of this fintech, we were able to develop an account aggregator firstly for the clients of Boursorama, and then for those of Crédit du Nord and Societe Generale.

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Intrapreneurship boosting innovation and agility

The Internal Start-up Call is Societe Generale's major intrapreneurship programme aimed at boosting innovation and agility. The dynamism of internal start-ups like Moonshot-Internet, Elyxir and Step 31 confirms the strong entrepreneurial spirit which the Group has decided to focus on. These intrapreneurs’ journeys seek to benefit everyone, first and foremost the Group’s 30 million clients.

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Enhanced security thanks to the dynamic crypto code

How does it differ from the traditional bank card? The three numbers of the cryptogram are replaced by an integrated screen which shows a new code every hour. The data therefore becomes obsolete and cannot be used again, providing more reassurance and protection for clients. Banking fraud is increasing at a growing rate every day (more than 410 million fraudulent payments were made in 2015). This new technology offers maximum security for online purchases, which today account for more than 700 million banking transactions.

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