Because it is convinced that simplicity is a prerequisite for efficiency and customer satisfaction, the Group is rallying its strengths

Simplified organization of the Group and of its information systems

A simpler and more transparent organizational structure for the group

  • Consolidation of all the business lines serving the retail banking networks: Insurance, Payments, Financial Solutions & Expertise (FSE),
  • Creation of “Global Financial Services” (GFS) bringing together Asset & Wealth Management and Corporate & Investment Banking in a new entity,
  • Simplified alignment of responsibilities between BPCE, the GFS business lines, and the Insurance and Payments divisions.

Transformation of information systems

  • Grouping together of IT production activities into a single Group entity, BPCE-IT: gains in terms of quality, customer and employee satisfaction, security and innovation,
  • Plans to set up a joint team for the development of retail software by bringing together the IT teams of the Banques Populaires, the Caisses d’Epargne, the FSE business lines, and the Natixis Insurance division,
  • Cloud transformation program: a firm commitment to the public cloud for our collaborative solutions, for innovation in data and artificial intelligence, and for our non-banking applications, and the taking of a strong position in the creation of a European sovereign cloud.

Accelerated transformation of banking services

  • Optimization of key Retail Banking and Insurance processes (customer accounts, collection, residential mortgage, life insurance, and inheritance), harmonization, conversion of pathways to the “self-care” format, automation of simple tasks, recognition and automatic reading of documents,
  • Strengthening of pooled resources and cooperation: fiduciary, bank checks, desktop publishing, increased use of shared platforms (credit, collection, etc.),
  • Creation of a “Banking operations” department: coordination, transformation of activities, skills and management activities for an enhanced contact with our customers.

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