Crédit Agricole CIB’s digital transition is steered by its Executive Committee as part of the Augmented CACIB Transformation (ACT) programme launched in 2022.
In 2024, Crédit Agricole CIB is accelerating its efforts to modernise the information system with a project to overhaul its technical infrastructure. We have introduced numerous digital products for our employees and clients, incorporating more AI-driven features, while enhancing our focus on data management and utilisation.

Crédit Agricole CIB is upgrading its digital ecosystem with new platforms and modernising existing interfaces. The Optimall platform, now serving over 100 clients, centralises banking services in a simple and secure manner. It is gradually integrating Trade Finance and Cash Management services. As part of the same drive, we have also rolled out our Application Programming Interface (API) marketplace to facilitate digital interactions with our clients and partners. Lastly, with the Augmented Banker tool, senior bankers can find all the relevant client information on the same interface.

Another key pillar of Crédit Agricole CIB’s digital transformation is the optimisation of internal processes. By integrating advanced technologies such as AI and robotic process automation (RPA), the Bank has significantly improved the quality of its services.

The AI Factory, set up in 2022, continues to grow, delivering over 100 use cases into production in 2023 and 2024. Among them, a number of generative AI-based solutions have emerged, serving to automate complex analytical tasks and optimise data processing.

Crédit Agricole CIB has also set up a Receivables and Supply Chain Finance (RSF) acquisition platform to automate product processing chains and reduce operational risks, while accommodating significant volume growth.

To support these developments, Crédit Agricole CIB continues to modernise its information system with a strong focus on making its services more flexible and scalable. The internal API portal Target Services and Data Layer (TSDL) implemented this year marks a strategic step forward in our digital transformation. The new platform facilitates access to Crédit Agricole CIB data and services for employees via a single, secure access point. It makes it easier to design, publish, explore, process and share data, thereby enhancing agility and operational efficiency.

Data governance has been strengthened with the set-up of a network of 15 “Data Districts”, each one covering a specific business or functional scope at Crédit Agricole CIB. Supervised by Chief Data Officers, the Data Districts ensure the operational implementation of our Data strategy, guaranteeing optimal, secure management and complying with regulations. The aim with this “federal” approach is to ensure the reliability and usability of data while strengthening regulatory compliance.

Crédit Agricole CIB intends to further accelerate the implementation of digital initiatives in 2025 by leveraging the groundwork laid in recent years. The Bank plans to generalise the use of AI in its projects and step up the use of new technologies such as the cloud.

Numerous opportunities exist to create value through digital technologies, but for Crédit Agricole CIB, improving the client experience and service remains the top priority. By leveraging digital technologies and AI, we are strengthening our position as a leading bank, combining innovation, performance and sustainable commitment.