Artificial Intelligence:
Resonating with Reason

AI must resonate with your company, your business, and your challenges. It is an essential asset for the future.

At Sopra Steria, we believe that AI, particularly generative AI, should not replace your employees but “augment” them: optimizing time, transforming processes, automating repetitive tasks… Simply put: energizing your collective intelligence.

Our role is to guide companies in identifying the problems that AI can address, whether in customer relations, production processes or prevention. We help deploy AI strategies at the organisational level and advise on instances where this technology can have the best impact.

For example, in the banking sector, our virtual agents optimize customer support by providing quick and personalized responses. In the aerospace industry, we reinvent the supply chain with advanced management of stocks and delivery times. In terms of prevention and security, AI can detect threats through predictive analysis. With over 4,000 experts, we ensure an ethical and responsible use of AI: respecting democratic principles, strengthened by our cybersecurity skills.

We work towards AI that is accessible to all, reasonable, and rational, a driver of progress for both Humanity and the Planet.

 

Generative AI – A $100bn market by 2028 according to Sopra Steria Next

According to a study carried out by Sopra Steria Next, the generative artificial intelligence (GenAI) market is set to grow exponentially between now and 2028.

Read more

Supporting our clients’ AI goals

We support our clients throughout the development and deployment of their AI strategy, from evaluating their existing data management and digital infrastructure through to conceptualising and realising their new AI ambitions.

 

Our strategy is built around four core pillars:

Why our clients choose us

 

Expertise

4,000 Data and AI experts, scientists, engineers, strategists and architects in 30 countries

 

Solutions

From nAIxus to InnerData, leverage our cutting-edge AI tech

 

Partnerships

Take advantage of a vast AI ecosystem

Our news

| Mung Ki Woo

Our Digital Banking Experience Report 2025 unveils a striking reality: most banking decision-makers now recognize AI as the next wave of banks’ digital transformation.

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While companies are struggling to realize the benefits of AI, Sopra Steria next presents use-focused approach to AI deployment. 

Sopra Steria Unveils Financial Well-Being as a Key Differentiator in Banking

Apr 7, 2025, 11:58 AM
Title* : Sopra Steria Unveils Financial Well-Being as a Key Differentiator in Banking

The report highlights financial well-being as a business imperative for the banking industry. 

 

  • Sopra Steria unveils the latest edition of the Digital Banking Experience Report (DBX) 

  • The report highlights financial well-being as a business imperative for the banking industry                      

  • With deep expertise in payments, AI, cybersecurity, and Open Finance, Sopra Steria affirms itself as a trusted partner for banks and insurers                   

Paris, April 8 , 2025  – Sopra Steria, a major player in the European tech sector, has released the 2025 issue of the Digital Banking Experience Report (DBX), which sheds light on how financial well-being is emerging as a key differentiator in the banking industry. Amid economic uncertainty, banks are stepping up to provide customers with digital tools and services that enhance financial security, improve trust, and foster long-term engagement.                                      

The report explores five critical areas shaping the financial sector: payments, cryptocurrencies, generative AI, data protection & privacy, and sustainability. It highlights that while digital transformation continues to accelerate, only 7% of banks report being challenge-free in their digital initiatives, with legacy systems, cyber threats, and regulatory complexities remaining hurdles to overcome.              

The 6 Key Findings from the DBX 2025 Report                  

  • Financial well-being is definitely a competitive advantage –   More than half (52%) of banks are increasing their offering of digital tools and services aimed at helping customers better manage their finances. More mature banks place greater emphasis on financial well-being, integrating technology-driven solutions to enhance customer engagement.                              
  • Payments innovations  are shaping consumer habits – Digital payments are growing across Europe, with 87% adoption in Germany and Italy. Banks are prioritizing investments in areas like modernising payment infrastructure using cloud-native solutions (66% already have, 32% are planning to do so ) and expanding offerings like Buy Now, Pay Later (BNPL) and digital wallets. However, fraud and cybersecurity risks remain a concern, prompting a 10%+ budget increase for risk mitigation.       
                                  
  • Cryptocurrency adoption is on the rise, but education remains key – Banks are responding by investing in stablecoins and Bitcoin for payments – 64% and 61% are already doing so respectively – and 43% are implementing measures to comply with regulatory frameworks like the European Union’s (EU’s) Markets in Crypto-Assets Regulation ( MiCA).
  • Generative AI will be reshaping banking experiences - AI is becoming a core component of banking, with 47% of consumers using generative AI tools weekly. Meanwhile, banks are focusing on Gen AI, but cautious. They believe the technology can have a big impact on areas like risk management, know-your-customer (KYC) and anti-money laundering (AML) capabilities, delivering personalised experiences at scale, and fraud management. As a result, 61% expect to increase investment in emerging technologies by 10% or more.  However, meaningful concerns exist, including how to avoid bias, ensure compliance and security, and minimise data breach and fraud risks.                             
  • Data protection and cybersecurity remain top priorities - Between 66% and 75% of consumers rank data security above convenience and speed. As open banking expands, 72% of banks consider digital identity and security enhancements as critical, while compliance with PSD2 and GDPR presents ongoing challenges.            
  • Sustainability is a growing expectation - With 72% of banks prioritizing emissions reduction, ESG considerations are becoming more integrated into financial products and services. However, consumer trust remains mixed, with 53% believing sustainability efforts are marketing-driven rather than genuinely impactful.                  

Sopra Steria’s Perspective on the Future of Digital Banking 

Grégory Wintrebert, CEO Financial Services of Sopra Steria Group, said: “Financial well-being is no longer just a customer aspiration—it’s a business imperative. Banks that invest in digital capabilities, security, and sustainability will not only enhance their competitiveness but also build lasting trust with their customers. To navigate this transformation successfully, financial institutions need trusted partners with deep expertise in digital innovation, AI-driven solutions, and secure, customer-centric services. At Sopra Steria, we empower banks and insurers with the right technology, strategic insights, and regulatory expertise to accelerate their digital evolution—helping them build resilience, foster trust, and stay ahead in an ever-changing financial landscape." 

As financial well-being, security, and digital innovation become key industry differentiators, Sopra Steria stands out as a trusted partner for banks and insurers. Its deep expertise in payments, AI, cybersecurity, and Open Finance enables institutions to stay ahead of evolving challenges while delivering seamless, secure, and compliant digital experiences. 

To access the full 2025 Digital Banking Experience Report , visit Sopra Steria’s website

Tags :
CP DBX

Client story

How AI is powering support services for EDF employees
World leader in low-carbon energy generation EDF wanted an innovative tech solution to ease pressure on IT support teams while also boosting service quality. AMY was the answer. 
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Press Release

Sopra Steria Unveils Financial Well-Being as a Key Differentiator in Banking

Apr 7, 2025, 11:58 AM
Title* : Sopra Steria Unveils Financial Well-Being as a Key Differentiator in Banking

The report highlights financial well-being as a business imperative for the banking industry. 

 

  • Sopra Steria unveils the latest edition of the Digital Banking Experience Report (DBX) 

  • The report highlights financial well-being as a business imperative for the banking industry                      

  • With deep expertise in payments, AI, cybersecurity, and Open Finance, Sopra Steria affirms itself as a trusted partner for banks and insurers                   

Paris, April 8 , 2025  – Sopra Steria, a major player in the European tech sector, has released the 2025 issue of the Digital Banking Experience Report (DBX), which sheds light on how financial well-being is emerging as a key differentiator in the banking industry. Amid economic uncertainty, banks are stepping up to provide customers with digital tools and services that enhance financial security, improve trust, and foster long-term engagement.                                      

The report explores five critical areas shaping the financial sector: payments, cryptocurrencies, generative AI, data protection & privacy, and sustainability. It highlights that while digital transformation continues to accelerate, only 7% of banks report being challenge-free in their digital initiatives, with legacy systems, cyber threats, and regulatory complexities remaining hurdles to overcome.              

The 6 Key Findings from the DBX 2025 Report                  

  • Financial well-being is definitely a competitive advantage –   More than half (52%) of banks are increasing their offering of digital tools and services aimed at helping customers better manage their finances. More mature banks place greater emphasis on financial well-being, integrating technology-driven solutions to enhance customer engagement.                              
  • Payments innovations  are shaping consumer habits – Digital payments are growing across Europe, with 87% adoption in Germany and Italy. Banks are prioritizing investments in areas like modernising payment infrastructure using cloud-native solutions (66% already have, 32% are planning to do so ) and expanding offerings like Buy Now, Pay Later (BNPL) and digital wallets. However, fraud and cybersecurity risks remain a concern, prompting a 10%+ budget increase for risk mitigation.       
                                  
  • Cryptocurrency adoption is on the rise, but education remains key – Banks are responding by investing in stablecoins and Bitcoin for payments – 64% and 61% are already doing so respectively – and 43% are implementing measures to comply with regulatory frameworks like the European Union’s (EU’s) Markets in Crypto-Assets Regulation ( MiCA).
  • Generative AI will be reshaping banking experiences - AI is becoming a core component of banking, with 47% of consumers using generative AI tools weekly. Meanwhile, banks are focusing on Gen AI, but cautious. They believe the technology can have a big impact on areas like risk management, know-your-customer (KYC) and anti-money laundering (AML) capabilities, delivering personalised experiences at scale, and fraud management. As a result, 61% expect to increase investment in emerging technologies by 10% or more.  However, meaningful concerns exist, including how to avoid bias, ensure compliance and security, and minimise data breach and fraud risks.                             
  • Data protection and cybersecurity remain top priorities - Between 66% and 75% of consumers rank data security above convenience and speed. As open banking expands, 72% of banks consider digital identity and security enhancements as critical, while compliance with PSD2 and GDPR presents ongoing challenges.            
  • Sustainability is a growing expectation - With 72% of banks prioritizing emissions reduction, ESG considerations are becoming more integrated into financial products and services. However, consumer trust remains mixed, with 53% believing sustainability efforts are marketing-driven rather than genuinely impactful.                  

Sopra Steria’s Perspective on the Future of Digital Banking 

Grégory Wintrebert, CEO Financial Services of Sopra Steria Group, said: “Financial well-being is no longer just a customer aspiration—it’s a business imperative. Banks that invest in digital capabilities, security, and sustainability will not only enhance their competitiveness but also build lasting trust with their customers. To navigate this transformation successfully, financial institutions need trusted partners with deep expertise in digital innovation, AI-driven solutions, and secure, customer-centric services. At Sopra Steria, we empower banks and insurers with the right technology, strategic insights, and regulatory expertise to accelerate their digital evolution—helping them build resilience, foster trust, and stay ahead in an ever-changing financial landscape." 

As financial well-being, security, and digital innovation become key industry differentiators, Sopra Steria stands out as a trusted partner for banks and insurers. Its deep expertise in payments, AI, cybersecurity, and Open Finance enables institutions to stay ahead of evolving challenges while delivering seamless, secure, and compliant digital experiences. 

To access the full 2025 Digital Banking Experience Report , visit Sopra Steria’s website

Tags :
CP DBX

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