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Online banking In 1985 Societe Generale launched Logitel, a service that allowed customers to access their accounts by Minitel. A decade later, Fimatex, later known as Boursorama, became the leader in France for online securities trading and then for online banking. Permanent bank account numbers In 1999 Societe Generale became the first French bank to implement bank account numbers that stay the same no matter where the customer lives in France, thereby allowing them to move without having to change their registered bank. Carbon neutrality In 2008 the third Societe Generale tower in the La Défense district of Paris, the Granite Tower, was inaugurated. It is the first skyscraper with HQE ("high environmental quality") certification in France. Four years later, the Group achieved carbon neutrality through an innovative internal taxation system. Mobile banking With smartphones, online banking became mobile banking: Societe Generale's app was the App Store's top free Finance app in France in the iTunes Rewind 2010 rankings. Mobile payment In 2010 Yoban’tel was launched in Senegal and then in Cameroon under the name Monifone. This mobile payment solution encourages banking penetration among people in emerging countries. Its prototype was created in the Lab, the Group's new innovation incubator, and promoted by its network of Innov'actors. INNOVATION SPIRIT 45 I SOCIETE GENERALE 2013-2014 www Read more www.societegenerale.com


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