Supporting responsible transformation

The responsible transition of banks is growing every year and requires the implementation of a dual strategy. It is a matter of supporting their clients' environmental and social transitions by offering responsible and auditable financing and savings products and by positioning themselves as a trusted third party on CSR issues (regulations, government financing plan, certifications, etc.); but also of becoming exemplary themselves on all issues of responsible transformation: policy of excluding certain sectors from financing, lowering the carbon footprint, taking into account the quality of life at work of their employees. To support this movement, banks face a huge challenge in terms of acculturation, awareness and understanding of their networks. 

Gaining in commercial efficiency

Today, French banks must revitalize their commercial development, find new sources of revenue, and adapt their commercial systems to the realities of the market... objectives that must be combined with the necessary transformation of their networks. Expectations have indeed evolved: the retail sector and fintechs have changed market standards. To achieve this, banks are working on customer and employee journeys to provide a better and richer experience. By also allowing the opening of data systems and data sharing (open-banking), banks can integrate new offers and thus fight against the risk of disintermediation.

Preventing risks

Banks can no longer limit themselves to following regulations to protect themselves from possible crises. Indeed, we notice that the different crises of the banking system gave birth to regulations that did not prevent the following crises. Banks must now anticipate the risks of the global system by putting in place efficient monitoring systems to detect and anticipate possible flaws.