Our Teams and Partners

Our Teams

Digital

The Digital teams design remote banking services for individual clients, sole traders, and legal entities at Banques Populaires and Caisses d’Épargne. They ensure the continuous improvement of interfaces, which are now among the most appreciated on the market by users (both in App Store and Google Play ratings).
AI & Data

Our AI & Data teams design and deploy services and tools that leverage data potential, benefiting the competitiveness of each business unit within the group. By placing artificial intelligence at the service of performance and simplicity, they enhance the customer experience, optimize processes for advisors, and facilitate daily operations for all group employees, while acting ethically and responsibly.
Innovation & Open Banking

The Innovation and Open Banking team at AI, Digital & Payments anticipates the future of financial services. It explores innovative themes (Open Finance, blockchain, new payment methods, etc.) while integrating the challenges of the energy transition. Its working methods combine the incubation of strategic projects and investment in tech companies.

BPCE Payment Services

BPCE Payment Services supports the group’s banks and subsidiaries as well as external clients (fintechs or financial institutions) with its recognized expertise in electronic payment, acceptance, acquisition, transaction flows, and fraud prevention.

BPCE Payment Services
Payplug

An omnichannel payment solution, that specializes in card payments and payment acceptance and acquisition services, this BPCE Digital & Payments fintech primarily serves merchants and e-merchants for whom the European market and its various local payment methods are a top priority.

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Xpollens

Xpollens is Groupe BPCE’s Banking-as-a-Service platform and one of the BPCE AI, Digital & Payments fintechs. Its proprietary platform is natively designed to integrate payment into any activity allowing its clients – banks, fintechs, insurers, and retailers – to add digital financial products (payment cards, account opening and management, instant transfers, direct debit, etc.) to their processes or offerings.

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Estreem

Estreem is a leading payment processor (issuance and acquisition) in France, founded in 2025 and jointly owned by Groupe BPCE and BNP Paribas. Estreem provides European banks with secure, efficient, and sustainable payment solutions between merchants and clients. Estreem offers a sovereign, competitive, and easy-to-integrate payment ecosystem.

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Swile

Groupe BPCE has been the largest shareholder of Swile since 2023. With this alliance, BPCE aims to support Swile’s growth while distributing its services within its two networks. Leveraging its employee benefits offering, the Group’s networks provide complementary services to their corporate clients who, as employers, are seeking solutions to retain their employees.

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Bridge

Groupe BPCE is one of the shareholders of the fintech Bridge, a leader in Open Banking in Europe, which provides an innovative digital payment solution: instant transfer. BPCE’s support enables the fintech to strengthen its leading position in Open Banking in France, conquer new markets, and continue its international expansion.

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