How Crédit Agricole launched a pan-European savings platform in 8 months

Crédit Agricole's Growth Strategy: Building a Unified European Banking Platform

With over 2 trillion assets and 35 billion in revenue, Crédit Agricole is one of the largest and most systemically important banking groups in Europe (Top 3) and globally (Top 10), through diversified activities spanning retail banking, asset management, insurance, and corporate & investment banking.

Crédit Agricole Personal Finance Mobility business is one of the paneuropean leaders in consumer loans, with strong domestic positions in 22 countries - on the back of which the Group ambitions to expand its retail banking position through savings and universal banking products.

Crédit Agricole published in November 2025 its 2028 medium-term strategic plan. With three pillars: Acceleration, Transformation and Cohesions, this plan lays the foundations for the Group’s  ambitions for tomorrow, aiming at accelerating its international diversification (targeting 60% of revenue internationally by 2028) with a key focus on paneuropean expansion. 

Alongside the amplification of the Group’s momentum in Italy and the roll out of its universal banking model to other countries starting in Germany with CA Deutschland, the creation of a pan European digital savings platform is at the cornerstone of this plan.

Key Challenges: Building a Scalable Digital Savings Platform in Record Time

Crédit Agricole PFM needed to design and launch a greenfield savings offer in record time while being ready to scale across multiple European countries with the objective to achieve €40 Bn deposit outstanding in 2028.  

One Point and Skaleet next-gen core banking have been selected following a thorough selection process including integration and core banking vendors leaders. 

Measurable Business Results: Crédit Agricole's Digital Savings Platform in Action

From April 15th 2026, German customers can subscribe to digital savings products. The slogan “Think big for your money” sums up this goal: the expertise and solidity of a leading European banking group enable reliable, responsible, and long-term savings solutions that are specifically tailored to the German market . 

The comprehensive launch offering is one of the largest on the market and includes seven localized products, ranging from flexible overnight deposit solutions to long-term fixed-term deposits including for instance different flavours of “Tagesgeld” or “Festgeld” products. The launch and further expansion of “Crédit Agricole Savings” underscore the Group's ongoing commitment to Germany, on the back of 70 years market presence and 2,000 employees already dedicated to serving private clients, enterprises and institutions. 

“Crédit Agricole Savings” is a platform developed to the highest market standards and offers:

• a fully digital and secure onboarding process

• an intuitive user interface that provides a clear overview of savings accounts and products

• transparent and easily accessible product information

• digital decision-making tools to help find the right savings solutions

• and expert customer support by phone in German.

By the end of 2026, the platform will be launched in three additional European countries. The range of savings and investment solutions will also be further expanded during the first quarter of 2027.

Key Success Factors: How Crédit Agricole Delivered a Digital Savings Platform in 8 Months

With his team, Vincent Mouriaux - deputy CEO of CAPFM was able to deliver in 8 months a live digital savings platform in Germany, ready to scale in multiple countries with Billions of on-platform assets. 

This required: 

• a high-velocity SWAT team organization following agile methodologies 

• a “carve-out” IT approach, combining best-in-class external software assets with Group’s capabilities 

• the swift integration of a best-in-class ecosystem of third party providers with the support of One Point integration team (including, Poyesis for front-end customer experience, Armatis for BPO, Checkout for Identity verification, Fircosoft for AML monitoring) and Crédit Agricole internal assets (Crédit Agricole Payment services, etc) around Skaleet’s API-first core banking.  

Skaleet core banking value proposition has been a key enabler of that success, on the back of the following pillars: 

• Configuration-first product that enabled to configure local savings products in minutes without any development 

• API-first architecture that facilitated predictable connectivity to third party software and Crédit Agricole assets, with the support of One Point integration teams (as part of the Skaleet Center of Excellence) 

• Real-time and modular architecture that enabled to bundle best-in-class providers to deliver a market standard customer experience (100% digital and real-time experience) 

• Multi-entity product design that will enable to expand across different countries easily at marginal costs  

• Cloud architecture ready to scale with billions of deposits 

• European-native and security focus that removed friction with regards to EU compliance, security and localization challenges 

• Solution and hands-on approach with expert teams embedded in the project together with Crédit Agricole team and One Point