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We are committed to optimising and innovating our systems and processes to provide our clients with simple, secure and user-centric solutions that meet the challenges of rapid change. Digitalisation and data are at the heart of our Strategy UniCredit Unlocked with the ultimate ambition to be a truly digital bank, powered by data in all that we do.

two colleagues analyze data on a tablet in front of a wall of graphs

During 2023, we continued to evolve our operations, leveraging the strong foundations established over the last two years.

Our focus has remained on bringing our Group closer together, accelerating our digital transformation, attracting and retaining talents and core competencies, growing our scale and expanding our scope for the benefit of all our stakeholders.


Our focus is increasingly on the delivery of new and innovative digital solutions, based on leading-edge technologies such as cloud, data and AI, having laid a robust foundation over the first few years of the UniCredit Unlocked strategic plan.

Green matrix digital background

We are committed to improving our approach to security and cyber - reinforcing our capabilities to prevent, detect and respond to increased cyber threats, while increasing our security knowledge and awareness for customers and colleagues.


In 2023 Cyber Security continued to be among the most important topics in our materiality matrix, and it was highlighted in both the Strategic UniCredit approach and Stakeholders' relevance dimensions.

To manage cyber threats correctly and appropriately, we focus on three key areas: strengthening governance and oversight, increasing employees' and customers' risk awareness and enhancing threat identification and management.