At a time of digitalization, data management is fundamental

to decision-making and to optimising all kinds of processes.

In line with its ambition to become a Data Driven bank,

Attijariwafa bank group is accelerating its digital transformation

to achieve its strategic goals. The Group's commitment

translates into a high-quality customer experience, particularly

through the launch of personalised products and services.

Moreover, operational efficiency, security and data protection

are being further enhanced.

A DATA DRIVEN TRANSFORMATION

Wenov, Attijariwafa bank's innovation laboratory, is constantly

striving to streamline the Group's processes and boost its

digital transformation. With this goal on the forefront, it is

utilising innovative solutions like the Open Innovation-Fintech

Catalyst programme, which favours collaboration between

traditional financial institutions and start-ups.

This laboratory has carried out a number of simulations and

experiments under its Welab Boost programme. It's an initiative

that enables the Group to implement advanced technologies

to improve its services, while adopting disruptive approaches,

such as the “Design Thinking” method. This method focuses

on the user or employee, who channels his or her creativity

and iteration into resolving complex problems.

Furthermore, Attijariwafa bank group intends to build on the

expertise of its talents and therefore relies on the “Wenov

Think & Make” intrapreneurship programme. Renewed for a

4

th

edition in 2023, this programme has aroused considerable

enthusiasm, with over a thousand ideas submitted by

collaborators

Bringing the most promising ideas to fruition also helps to

align internal innovation efforts with the Groups strategic

ambitions Lastly the bank has set up a system of acculturation

reflected in the monthly innovation circles

WENOV, AN EMPOWERMENT CATALYST

FOR INNOVATION

A REINFORCED CUSTOMER EXPERIENCE

ATTIJARIWAFA BANK:

A DATA DRIVEN BANK FOR

AN OPTIMAL AND SECURE

CUSTOMER EXPERIENCE.

The client experience is a priority for the Group, incorporating

state-of-the-art digital solutions and innovative payment

options.

This holistic approach allows the Group to achieve seamless,

personalised interactions through multiple channels, in order

to meet customer expectations and anticipate market trends.

Annual report

2023

Attijariwafa bank

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