Promoting innovation

Main objectives and results

Digital payment 51m +240%

vs 1H2021 objective 75m in 2025

New Isybank digital bank well underway

"Domain Isy Tech" Delivery Unit is already operational and the technology masterplan has been defined

139 9 innovation projects launched

on 2022-2025 target of 800

Commitment to innovation

2022-2025 Business Plan: results as at 30 June 2022
2022-2025 Business Plan Objectives
Description Achievement as at 30.06.2022 (where not specified)
New Digital Bank Creation of a new Digital Bank to effectively serve a significant portion of ISP customers who do not visit branches: 4 million customers

The setting up of the new Digital Bank Isybank Digital Bank well underway: "Domain Isy Tech" Delivery Unit is already operational with ~230 dedicated specialists and the technology masterplan has been defined

Definition of Isybank's offer structure and functionalities

Digital payments Further growth in the payments sector with strategic partnerships by increasing digital payments by 50% to around 75 million in 2025 from 51 million in 2021 51 million digital payments in 1H22 (15 million in 1H21)
Innovation projects Promotion of innovation with the launch of around 800 projects in 2022-2025  Development of multidisciplinary applied research projects

139 innovation projects launched 

Development of multidisciplinary applied research projects, of which 12 ongoing projects in the artificial intelligence, robotics and neuroscience fields

NEVA SGR investments in startups Support to high-potential startups by providing nonfinancial services (e.g. acceleration programmes) and in connection/with the support of venture capital funds, also thanks to NEVA SGR: €100m of investments in startups in 2022-2025 Over 20 million euro has already been invested in Israel in IT, Quantum Computing, Agri- Foodtech and Cybersecurity
Innovation ecosystems Development of international innovation ecosystems by coordinating the network of relationships with businesses, incubators, research centres, universities and other local and international organisations

Turin: the third class of the "Torino Cities of the Future" Programme managed by Techstars has been completed and the fourth class is underway, with 35 startups accelerated since its launch in 2019 and €48m in capital raised

Florence: the first class of the three-year "Italian Lifestyle Accelerator Program", managed by Nana Bianca, has been completed, with 6 Italian startups accelerated and over 2 million euro in capital raised

Naples: the new "Terra Next" Bioeconomy Accelerator Programme, promoted with Cassa Depositi e Prestiti, was launched with the support of Cariplo Factory and several local scientific partners, and with the patronage of the Ministry for the Green Transition – the programme is aimed at 8 startups

Multichannel banking: 2021 results
2018-2021 Business Plan Targets
Description Achievement (data as at 31/12/2021, where not specified)
Expansion of the multichannel platform and digital transformation 70% of activities digitised by 2021 76% of activities digitised at the end of 2021 with 12.9 million multichannel customers, 8.1 million customers using the App, 3.6 million digital sales
Strengthening of innovation

Supporting the research of new solutions and new tools to grow and improve our society

Start-up Project: over 3,4200 start-ups evalueted, 600 selected start-ups introducing them to 6,150 selected investors and ecosystem players since 2018

The Group is a European leader for its mobile app functionalities and its strong digital solutions. In 2021, multi-channel customers increased by 1.3 million euro compared to 2020 (including UBI Banca and considering the sale of branches performed in the first half of 2021). Furthermore, compared to 2020, a strong increase, equal to 76%, was recorded in the sales of products on digital channels. Multichannel customers and digital sales also increased as a result of the particular context linked to the COVID-19 emergency.

  Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI Intesa Sanpaolo Group (including UBI Banca Group)
Distribution channels and automation of operations: Italy
2019 2020 2020 2021
Multi-channel contracts (stock)*
9,171,390 10,304,258 11.525.906** 12,866,019
Multi-channel contracts (stock)/no. of customers*
78.4% 87.7% 82,8%** 96.2%
Bank transfers automation [%]
90.2 93.7 93.1 94.4
Securities automation [%]
66.4 85..1 84.2 85.2
Remote Banking: active contracts at date
211,645 198,876 511,151 237,721
Remote Banking: orders
139,179,355 127,246,358 149,404,348 142,582,424

* Monitoring of the 2018-2021 Business Plan is performed on customers of the Banca dei Territori Division. 
** Data recalculated considering the disposal of branches sold in 1H21.

{"toolbar":[{"label":"Refresh","url":"","key":"update-page"},{"label":"Print","url":"","key":"print-page"},{"label":"Request for Annual Reports","url":"/en/investor-relations/request-for-annual-reports","key":"business-budget"},{"label":"Financial Calendar","url":"/en/investor-relations/financial-calendar","key":"financial-calendar"},{"label":"Press Kit","url":"/en/newsroom/PressKit","key":"press-kit"},{"label":"Send CV","url":"https://jobs.intesasanpaolo.com/search/?q&locationsearch&locale=en_US","key":"send-cv"}]}