By 2025, the Group aims to comply with international standards and

plans to achieve the highest levels of digital performance. All these

digital transformation projects will enable the Group to offer its

customers the very best of Bank 4.0.

Hassan EL BEDRAOUI

Deputy CEO

Transformation, Innovation, Technology and Operations

Innovation

for continuous renewal

TOWARDS A DATA-DRIVEN BANK

To become a datadriven bank through the responsible use of data is at

the heart of the Attijariwafa bank Groups strategic agenda Indeed the

Group is making ongoing sustained investments in this area to support

its transformation and is using it as a means of fasttracking its goals

These are to continue to offer its customers an experience that meets the

highest standards with more personalized products and advice and tailored

recommendations and to improve its processes for greater operational

eff iciency and better risk management while guaranteeing data security and

protection

In 2022 several experiments in the f ield of artif icial intelligence have been

launched to test their application to certain banking use cases

INNOVATION STRATEGY