Societe Generale is taking another step in its innovation strategy to make the most of the latest technological breakthroughs and offer a personalised experience and better customer service through the use of data and digital technology.


Core elements of the Group’s digital and innovation strategy - Interview with Claire Calmejane and Christophe Leblanc

Societe Generale embarked on digital transformation in the early 2010s, to invent the bank of tomorrow. Things have considerably gathered pace over the last three years. The bank has laid the necessary technological bricks and reached digital maturity, embodied in the eCac40 trophies over the last four years. The Group has now moved on to phase 2: industrialisation.

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Societe Generale: First bank for digital maturity

This year again, and for the sixth consecutive year, Societe Generale is in the small circle of the most mature CAC 40 companies in terms of digital transformation. The 2019 eCAC40 Awards* recognised Societe Generale as 1st bank and 4th of the most advanced CAC 40 companies in terms of digital maturity. In addition, Societe Generale was awarded this year the “strategic continuity” Award for its digital transformation.

Highlights innovation & Digital

Innovation & Digital highlights

The digital transformation led by Societe Generale is based on a proactive innovation policy that involves all the Group's businesses, functions and geographies. For several years, Societe Generale has been opening up to the external startup ecosystem by strengthening its relationships with these innovative players, in the form of commercial partnerships, equity investments or acquisitions.

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Open Innovation

Open Innovation

To rapidly identify innovative players and trends around the world, Societe Generale is strengthening its ties with the startup and Fintech ecosystem. The Group is notably building on the work of its innovation centres of expertise in Africa, Germany, France, Israel, India, Luxembourg and the UK to help form strategic partnerships on central issues such as Open Banking and Blockchain.

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Claire Calmejane Group Chief Innovation Officer

Our new strategy is based on 3 pillars, in line with the Transform to Grow plan: strengthen relationships with startups, support the business lines' digital strategies and create new business models.

Innovative services

Innovative services

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.

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Tech & IT

Tech culture & IT

With the goal of constantly improving the service it offers to its customers, while effectively anticipating changes in society and creating the ideal conditions for flexible growth of its ecosystem.

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The Digital Transformation of Societe Generale

Digital transformation is a key challenge for the banking sector going forward. On top of an industrial revolution, digital transformation is a cultural revolution, involving clients expecting value added, personalised services, available anytime, anywhere, on any device, and employees needing empowerment, autonomy, agility and skill acquisition to innovate and reinvent the bank of tomorrow.