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The health crisis has accelerated the conversion of consumers to digital technology and encouraged uses such as online account opening and credit granting.

Since the Paris climate agreement, financial authorities have sought to redirect capital flows towards sustainable investments and integrate ESG criteria into risk management.

With the digital transformation now complete, the challenge for banks is to become the reference platform for online financial services. The Open Banking approach is essential to achieve this objective.

In parallel, after Basel III, financial institutions are concerned about SFDR compliance, where the collection, traceability and analysis of non-financial ESG data represent a real technological challenge.

Market Trends

Regulatory complianceLearn more

Post-crisis financial regulation has been considerably strengthened in recent years. The consequence for banks has been greater management transparency and regulatory reforms imposing a stricter framework (Basel II, Basel III, IFRS9, RGPD, SEPA).creased. In parallel, new DSP2 type directives favour the emergence of competition (aggregators or payment initiators).

The Basel 3 standards, which should enter into force gradually between 2022 and 2027, are generating an overload in Tier1 capital (MRC) of 3.6% compared to previous standards.


  • Optimize compliance and back-office costs
  • Deploy cybersecurity policies
  • Protecting bank data
Customer ExperienceLearn more

Banks are capitalizing on technology and digital technology to support new uses, develop new services and provide a fluid and intuitive customer experience.  In particular, the use of mobile applications is widespread for all banking services.

Only four banks in the American Top 50 offer a Live Chat service. Yet, the Millennium generation is three times more likely to use self-service than it is to contact the customer service.


  • Adapt Legacy to the Digital Age
  • Fluidify interactions between the physical and digital (phygital) worlds
  • Modernize transaction systems
InnovationsLearn more

New technologies such as Cloud, artificial intelligence, and Blockchain constitute a major challenge for banks: predictive marketing solutions to build customer loyalty, productivity gains with the implementation of robots, use of Blockchains to secure transactions…

More than 75 banks have joined the Interbank Information Network (IIN) developed by JP Morgan to speed up international financial transactions thanks to blockchain.


  • Have the right infrastructure to implement innovation
  • Successful industrialization of POCs (Proof of Concept) and innovation from Labs
  • Collaborate on a long-term basis with Fintechs


Technological expertise
Present on innovative technologies
Functional knowledge
Online banking, Compliance, Risk Management, Market Finance....
Transformation partner
Know-how in change management
4000 consultants in Banking, Finance & Insurance in 21 countries (Canada, France, Italy, Spain...)

Our Success Stories

Digital banking: designing the user experience of the futureLearn more

Mobile and ultra-smart, the “Digital natives” generation is leading the banking sector in making deep-seated changes to the customer relation and associated services. ALTEN is the leading partner in Digital UX design for one of the main French banks for the development of new innovative functions.

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Big Data at the service of financial risk managementLearn more

The financial crisis of 2007-2009 updated a certain number of shortfalls in the approaches of regulatory capital based on internal rating-based models (IRB) of credit risk. ALTEN supports a global banking leader in the development of IRB analysis engines with a Big Data approach (on Hadoop platform), in accordance with the new Basel III agreements.

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Development of an anti-money laundering systemLearn more

The fight against money laundering and the funding of terrorism, combined with regulatory pressure is forcing financial institutions to review their priorities. Their anti-money laundering system must be extremely effective in order to limit fraud, but also to avoid any sanctions from the competent authorities. One of the leading insurance companies has asked ALTEN to develop its risk analysis model.

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Empowering Digital transformation with dedicated Test factoryLearn more

Technology is revolutionizing the insurance industry and customers are increasingly putting business process automation and User experience at the core of their digital expectations. ALTEN Italy sets up a Test factory to support the digital transformation projects of a world leader in the insurance sector.

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HSBC Groupe, BNP Paribas Groupe, Crédit Agricole Groupe, Société Générale Groupe, BPCE Groupe, Intesa Sanpaolo SPA…


AXA Groupe, CNP…

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