Crédito Agrícola to use AI in a human-centric hybrid banking model

Sérgio Raposo Frade, CEO of Grupo Crédito Agrícola, asserts that while artificial intelligence will make banking faster, more efficient, and more flexible, it will not replace human relationships. He advocates for a hybrid model where technology serves to solve practical problems while keeping people at the center of the business.

Since 2022, Crédito Agrícola has been strengthening its capabilities in data, analytics, and AI. The group has implemented a plan to apply these technologies across various sectors, including customer relations, risk management, fraud prevention, and internal efficiency. The strategy emphasizes human supervision, security, and employee training to ensure technology addresses concrete needs.

Despite the rise of competition from fintech, insurtech, and large technology groups, the group intends to maintain its core values of trust, solidity, transparency, and proximity to customers as a competitive advantage.