digital banking

Create better banking for a digital world

Deliver a personalized, omnichannel customer experience, reduce your time to market, and leverage our ecosystem of partners to become the bank customers trust day-to-day and for life’s big moments.  

Customer Onboarding

Onboard customers in minutes

More than half of customers prefer mobile banking. Increase acquisition and conversion rates with frictionless and personalized experiences. Ensure quick and seamless account opening and subscription to new bank products and services. Our solution is compliant with local regulations and accessible wherever your customers are.

  • Low-code management of onboarding, subscription and KYC review
  • Easily integrate third-party solutions on your own 
  • Natively connect to the SBS product catalog 
  • Leverage open banking KYC data to reduce drop-out rates
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Loan origination

From simulation to approval, in minutes

Two-thirds of customers want to apply for a loan via digital channels, and they’re looking for a speedy, paperless process. Our fully automated digital solution uses predictive analytics and open banking data to provide a personalized experience, enabling banks to grow revenue and save on operational costs.

  • Increase acquisition through next best offer and referrals
  • Minimize churn with personalized scoring and pricing options
  • Automate data collection, risk, pricing & disbursement decisions
  • Utilize a low code configuration to map application journeys
  • Enhance credit scoring algorithms using open banking
    data and enables instant decisioning for ethical lending.
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Meet the needs of digital natives

Easily offer the fast, safe, and innovative payment solutions that modern users demand. We support a wide range of payment schemes, including Instant payments, Request to Pay, Apple Pay, Google Pay, cryptocurrency, and peer-to-peer transactions.

  • Reduce Instant Payment cost and activation time with a streamlined integration
  • Build new revenue streams by connecting with unbanked customers
  • Easily integrate with third parties to create revenue-boosting partnerships
  • Enhance security with easy-to-use two-factor authentication and device biometrics
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Finance management

Enrich your day-to-day banking services

We cover the full scope of banking capabilities – from transactions and management to advanced services – through our open banking platform, connecting you with 3,500+ European banks. Use our account aggregator to increase engagement, gather data-driven insights, and empower users to take control of their finances, all from one app.

  • A comprehensive set of essential, granular services
  • Access to 3,500+ banks open banking data
  • Innovative solutions for multi-banking, remittance, and much more
  • Powered by Tink, Europe’s leading open banking platform
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Open APIs and marketplace

Integrate the best Fintech

Four out of five financial institutions are adopting or plan to adopt open banking, enabling their developer communities to use open APIs to innovate on top of existing systems. Follow suit by leveraging data and innovative partner services to create seamless and hyper-personalized customer journeys.

  • Self-service API portal and sandbox for developers
  • Easily mix and match capabilities to create differentiating use cases
  • Pre-integrated partners for easy connection and quick development
  • Open APIs available at the front, middle, and back layers of the platform
  • Become Payment Service Directive Compliant
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Integrate the best Fintech

Digital advisory

Design your digital banking blueprint

Whether you’re a neobank, challenger bank or established institution, we can help you ideate, design, and deliver a digital-first value proposition that will set your bank up to achieve business objectives and ensure profitability. Co-design with digital banking industry experts, get advice on which capabilities suit you best, deliver a successful MVP (minimum viable product), and ensure a strong go-to-market. We provide your digital banking blueprint in a matter of weeks.

  • Participate in a 3-to-6-week collaboration with domain specialists
  • Attend business, technical, and design workshops
  • Build a technology foundation to deliver digital health
  • Use deliverables to streamline banking license submissions
design your bank now >>

Build tomorrow’s bank, today

We design, build and run digital-native banking services, helping existing financial, retail, and telecom institutions – as well as startup banks – bring digital technology to the heart of their businesses. Adapt business models to new scenarios for growth and innovation, all at your own pace.

Digital Banking | General | They Trust Us Logos : Van Lanschot, Kensington Mortgage, Natixis, Société Générale, BPCE

We have all the answers you need

Frequently asked questions

What is digital banking?+

Digital banking refers to the digitization of banking services, which removes the need to visit a physical branch. Digital banking includes both online and mobile banking services; customers can access features and services via the bank’s website or mobile app. The use of paperless technologies and digital touchpoints helps banks provide customers with forward-looking, modern banking experiences. Digital banking is not limited to new institutions – traditional banks, fully digital banks, and neobanks can all offer “digital banking”.

How digital banking is useful? Why is it important?+

Today, banks are forced to carve out a space for themselves in a crowded, fast-evolving digital market. Rising costs, disintegrated experiences, weighty legacy systems and increasing customer expectations make this a challenging task. Digital banking — and Digital Banking Engagement Platforms in particular — give banks the flexibility needed to continuously provide a best-in-class user experience. This helps them deliver the smooth, personalized, innovative experiences their customers expect. Moreover, digital banks can give customers tools and features they may not have access to through traditional banking methods. Customers get a secure, convenient way to view and manage their finances, as well as options tailored to their needs. Digital banking makes it easier for customers to take control of their finances, improve financial literacy, and ultimately better their lives.

How does digital banking benefit banks?+

The SBP Digital Banking Suite helps banks stay relevant, satisfy customers, and reduce costs with an open ecosystem that lowers TCO, avoids vendor lock-in, and meets customer expectations swiftly. Digital banks can tap into innovative revenue streams and leverage cost-saving cloud-native solutions delivered on SaaS, enabling them to compete effectively with traditional banks, challenger banks, and big tech. It enables banks to go-to-market quickly with new products with best-in-class UX, improves employee satisfaction, and maintains high-security standards, all within a single contract. These benefits further help banks improve operational efficiency and enhance customer acquisition, satisfaction, and retention.