Innovation and digital serving the client experience
Societe Generale is accelerating its digital transformation, driven by robust technologies and a culture of innovation, responsibility, and efficiency.
In a rapidly changing sector, our ambition is clear: to become a leading bank for digital services in Europe and internationally.
Our digital strategy is built on a client-centric model where data and artificial intelligence (AI) optimize every business line and process to deliver a simple, fast, secure, and ethical experience.
Digital: a driver of growth and value creation for our clients
We aim to offer all our clients – individuals, professionals, businesses, and institutions – innovative, accessible, secure banking solutions tailored to their needs.
Today, our 119,000 employees across more than 60 countries work daily to transform our businesses to better serve and protect over 26 million clients.
In Retail Banking, more than half of core product sales are now digital, reflecting both client maturity and the strength of our omnichannel offering.
In France, SG Retail Banking strives to enhance client satisfaction by combining the best of digital and human interaction, while optimizing commercial time through more efficient journeys and improved CRM tools. BoursoBank continues its strong commercial momentum, with nearly 400,000 new customers in the quarter, bringing the total to around 8.3 million customers at the end of September 2025.
Internationally, we focus on a mobile-first approach. Komerční banka (KB) illustrates this ambition with over one million active users on its new digital platform. Nearly one in two products was sold entirely online by the end of 2024. For more details, read the interview with Jan Juchelka, Chairman and CEO of Komerční banka in the Czech Republic.
In specialized businesses, digitalization enhances the client experience.
Global Banking and Investor Solutions (GBIS) relies on innovative platforms combining advanced digital solutions and digital assets to deliver a seamless, secure experience tailored to current and future needs.
- SG Markets simplifies financial operations for our corporate and institutional clients with a comprehensive range of advanced digital solutions.
- Societe Generale – FORGE is innovating in digital assets with tokenized instruments and euro- and dollar-denominated stablecoins – EUR CoinVertible and USD CoinVertible – within a strictly regulated framework.
Digital efficiency serving client experience
Digital efficiency is a cornerstone of Societe Generale’s strategy, driving client satisfaction, operational performance, and Group competitiveness. We continuously optimize processes, tools, and organizations to deliver a seamless, personalized, and secure banking experience while controlling costs.
Simple and accessible journeys, 24/7
Through self-care tools, our clients gain autonomy and responsiveness:
- the SG app, #1 in France, offers 100% digital services, personalized advice, and direct interaction with our experts;
- Wero, our digital wallet, enables instant peer-to-peer payments, soon to be extended to online and in-store purchases;
- VIZUP, integrated into SG PRO Remote Banking, helps professionals manage their business in real time and anticipate cash flow needs. For more details, consult the dedicated documentation.
Agile, omnichannel infrastructure
We invest in robust, scalable technology to deliver a consistent, real-time client experience. Our agile organization fosters innovation and speed of execution.
Partnerships to enrich our offering
Opening up to external ecosystems enables us to quickly integrate new features and enhance the client experience.
Accelerating transformation through data and AI
Data and AI are strategic levers to improve efficiency, enrich client experience, strengthen risk management and resilience, and generate sustainable growth across our businesses and geographies.
A clear data & AI strategy built on four priorities:
- reliable and compliant data to ensure quality, reliability, and regulatory compliance, strengthening resilience and reducing risk exposure;
- performance and cost control through automation and reuse of data assets, accelerating actionable insights while managing costs;
- integration of ESG priorities with transparent, high-quality data aligned with international standards to support our sustainability commitments;
- responsible AI, embedding ethical and regulatory principles to enhance client services.
We place ethics, transparency, and personal data protection at the heart of our approach. Rigorous management of algorithmic bias, regulatory compliance, and control of environmental impact are key priorities to ensure trust among clients, employees, and partners.
A dedicated organization and governance framework
To accelerate AI deployment, Societe Generale created SocGen AI, a Group entity to industrialize AI use cases. Strengthened governance prioritizes and coordinates AI initiatives across six key domains: client interaction, onboarding, back-office, IT, compliance, and productivity – ensuring coherence, effectiveness, and adherence to responsible AI principles.
Concrete use cases
Today, around 200 AI-based use cases are in production.
Client interaction: chat and call bots (Eliott at BoursoBank and Sobot for SG in France) handle over 6 million interactions annually, 24/7, delivering instant, relevant responses.
Onboarding: automation of onboarding processes for corporate and individual clients is underway across our businesses.
IT development: market solutions combined with a Group engineering platform boost developer productivity and harmonize coding practices.
Personal efficiency: mature AI solutions deployed Group-wide simplify tasks such as document processing and summary generation.
Supporting and Training Our Teams in AI
AI must be accessible and useful for all. To support change and build skills, we offer modular training on fundamentals, practical workshops on automation, and interactive sessions tailored to our context. Teams are also encouraged to identify new use cases to enrich our AI portfolio.
Discover our flagship use cases: Applying Data and IA: Our flagship use cases
Data and artificial intelligence, the driving forces of Societe Generale's digital transformation
Data and artificial intelligence, the driving forces of our digital transformation
As a pioneer in innovation, Societe Generale has been reinventing itself for over 150 years. Today, digital technologies allow us to offer you a customer experience that is more personalised, smooth, and secure. The increasing digitalisation of our services enriches our data assets. And thanks to Artificial Intelligence, we are unleashing its full potential and using it in a more precise and refined way. More than 330 solutions based on data and Artificial Intelligence are used every day to create greater value for the benefit of our customers and our staff. We are guided by a vision of the future where data is at the very core of our business, a process that is already well underway. Our goal is to generalise the use of these technologies to provide ever better services to our 26 million clients. Every day, over a thousand experts work with our staff to build new data solutions for more: customisation, more responsiveness, more efficiency, and more security.
Customisation, it's more relevant services for everyone. For example, directly via the app of one of our international retail banks, and available soon in other networks, we provide personalised and tailor-made advice and recommendations for our customers through the analysis of their data.
Responsiveness, it's more rapidity and availability. For example, the callbot, Eliott manages more than 4 million conversations per year at Boursorama, France's leading online bank. 7 days a week and 24h a day, it provides answers to our clients' more straightforward inquiries.
Efficiency, it's more automation and better tools. For example, the solution SG Market / My Cases helps us manage the 12 million emails received by the back-offices of our markets activities, automating their processing and follow-up.
Security, it's more protection for our customers and our bank. For example, CAST automates the analysis of millions of hours of audio and email communications by our staff who are subject to market regulations. Operating in 16 countries and in 26 languages, CAST monitors 30 different channels of communication.
Data and Artificial Intelligence are powerful tools, real catalysts to build innovative and responsible solutions for you and with you. Let's continue building together the solutions of tomorrow.
Cybersecurity: an absolute priority
Strategy and investments
Cybersecurity is at the heart of our digital strategy, integrated by design into every project. Facing increasingly sophisticated threats, Societe Generale is investing over €1 billion from 2023 to 2026 to protect its information systems, client data, and ensure service continuity.
Our strategy rests on four complementary pillars:
- protect operations and client data in close collaboration with the Group’s businesses;
- strengthen IT infrastructure to defend effectively against cyberattacks and adapt to growing threat sophistication;
- assess our ability to quickly restore activity after a cyberattack to ensure client service continuity and operational resilience;
- improve operational efficiency of the cybersecurity division, which includes over 1,400 experts worldwide, to maintain high levels of vigilance, responsiveness, and expertise.
Under the authority of the Group Chief Information Security Officer (CISO), reporting to the Group CIO, the cybersecurity function operates in alignment with the Bank’s IT and security strategy and the Group’s overall business strategy, under Board supervision.
An engaged ecosystem
We collaborate with ANSSI (French National Cybersecurity Agency), an associate member of Campus Cyber, and ensure supplier security.
For retail banking clients in France, we offer:
- a comprehensive fraud awareness program (articles, practical advice);
- specialized services via our subsidiary Oppens: audits, training, phishing simulations, and technical backup and protection solutions.
Internally, cybersecurity culture is reinforced through:
- ongoing training programs;
- regular phishing simulations;
- personalized support;
- a dedicated CERT (Computer Emergency Response Team), in collaboration with ANSSI, ensuring rapid, coordinated responses to security incidents
Towards Responsible and Inclusive Digital Technology
As a signatory of the Sustainable IT Charter of the French Institute for Responsible Digital (Institut du Numérique Responsable – INR) since 2019, the Group launched an ambitious program to limit the negative environmental and social impacts of digital technology. Societe Generale aims to reduce the carbon footprint of its digital activities by 50% by 2025.
Key Actions:
- optimizing data centers to improve energy efficiency;
- recycling and reusing IT equipment;
- better data management and rationalization;
- equipping and training IT experts in eco-design and e-accessibility;
- raising awareness among employees and future generations.
Beyond environmental concerns, Societe Generale ensures that digital transformation is inclusive and respects fundamental rights by promoting accessibility and digital inclusion for all clients and employees. The Group implements various initiatives and certifications to guarantee accessibility of its digital services while supporting vulnerable groups through dedicated programs.
Learn more about our responsible digital approach: Digital accessibility