FAQ: Tech & Artificial Intelligence

Use cases, ethics, cybersecurity… because Artificial Intelligence (AI) is transforming banking, the way we work and our customers’ experience, we address common questions about our use of AI and technologies.

An innovative, responsible and secure approach

  • BNP Paribas uses Artificial Intelligence (AI) to enhance its services and processes, with more than 800 use cases already in place. AI is part of the Group’s ethical and responsible approach, guided by strict data governance and team training to prevent bias.

    AI enables us to:

    • Analyse vast quantities of data to anticipate client expectations and offer clients tailor-made solutions,
    • Accelerate operational efficiency by automating repetitive and time-consuming tasks, freeing up time for higher added-value missions,
    • Prevent risks by analysing millions of transactions in real time to detect abnormal behaviour and prevent fraud,
    • Contribute to responsible finance by facilitating the processing and analysis of extra-financial data.
  • With threats on the rise, BNP Paribas places cybersecurity at the heart of its digital transformation and its trust model. The Group relies on a governance structure comprising three lines of defence and a risk-based approach. This enables it to continuously assess its cyber maturity and adapt its priorities to ensure the resilience of its services and operations, as well as the security of its data and that of its customers.

    The Group has nearly 5,000 cybersecurity experts across its various business lines and functions, supported by a budget representing around 10% of the total IT budget. On this basis, a large-scale programme is being rolled out to implement all best practices in collaboration with expert stakeholders.

    Artificial intelligence is fully integrated into these cybersecurity challenges, working with a comprehensive ecosystem of service providers and partners at the forefront of these technologies, in order to anticipate and prevent risks while taking into account its potential for use by attackers. The framework is based on a mature incident response capability (CSIRT), proactive vulnerability monitoring, extensive analytical capabilities and rapid remediation of vulnerabilities.

    For BNP Paribas, cybersecurity is therefore more than just protection: it is a lever for building lasting trust, serving customers, employees and innovation.