The Societe Generale group has made the digital sector a key lever in transforming banking relationships established with its customers, whether they be individuals, institutions, large companies or private banking clients. To keep up with changing digital usage by consumers, Societe Generale is increasing its innovation in web and mobile services. Its customers therefore enjoy greater autonomy, simplicity and security thanks to the new tools, while continuing to receive support from our teams.

Bernardo Sanchez Incera Deputy Chief Executive Officer

At the same time as we create these new services, we must guarantee the security of these transactions, which is the absolute bedrock of the banking relationship.

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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YUP, a new form of mobile money

YUP offers a “mobile money” service developed in Africa. With no need for a bank account, the service gives access to a complete range of banking services through a network of partners. By 2020, YUP aims to have 8,000 contact points in place in five African countries.

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New technologies for stronger cybersecurity

Digital accounts for 86% of our incoming contacts, with 700 million logins per year, mostly from mobile devices. Mobile has been the most-used medium since the end of 2012. This profound change in the bank’s customer relations has heightened the security challenge, which Societe Generale will address by more than doubling its IT budget for cybersecurity and investing in new technologies.

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Societe Generale's app simplifies your day-to-day life

In France, the Societe Generale App is one of the most comprehensive banking applications on the market thanks to its multiple features: account viewing and budget management, payment instruments, wire and credit transfers, a secure message service for communicating with your CRM, management of insurance policies, viewing loan details, etc. With the objective of continuously expanding its digital services, the Societe Generale App embodies the bank's determination to make banking a straightforward, convenient and efficient experience for its customers.