digital banking

Design, build and run your digital-native bank

Digital Banking Suite is more than just another banking software platform, we’re a proactive business partner that helps you stay on top of the digital revolution. We blend an API-first, go-to-cloud approach with a human-centered design to ensure that financial institutions keep pace with technological change. From streamlined onboarding to omnichannel banking to a fully digital customer experience, we’ve got you covered.

Shape the future of banking

Digital Banking Suite is an open digital banking platform with composable banking capabilities, including an omnichannel customer experience and cloud-native, state-of-the-art middleware.

Core-agnostic and natively integrated with SBS core banking systems, our digital banking solutions can be launched in a front-to-back or a domain-focused way, rolled out component by component across the front, middle, and back layers.

  • Modern customer experience, fit for every channel
  • Comprehensive library of off-the-shelf banking solutions
  • Support for request-to-pay, Instant Payments, ApplePay and Google Pay
  • Running on AWS, Axway premium API capabilities
  • Compliance and regulatory reporting for KYC, AML, PSD2, and GDPR
  • Middleware functionality supported by OpenShift technology
Digital Banking Suite is an open digital banking platform with composable banking capabilities
  • 70 NPS score Digital Banking

    NPS score

    Understand your customers and give them the engaging experiences they expect. Boost customer satisfaction, acquisition, and retention with SBS digital banking solutions.

  • 90 days to design your bank

    Days to design your bank

    Use our toolkit to create your digital bank and quickly go to market – front-end, middleware, and core banking systems.

  • 90% decreasing customer acquisition cost

    Decrease in customer acquisition cost

    Increase organic customer acquisition. Seamlessly engage with customers and increase their lifetime value with SBS digital banking solutions.

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    Continual improvement

    Leverage frequently updated, off-the-shelf capabilities to modify functionalities and user experience and respond quickly to changing conditions.

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    Generate new revenue

    Uncover possibilities, connect with third parties, and create neatly bundled, personalized bank and non-bank offers.

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    Progressive transformation

    Adopt a composable banking approach. Add or remove components at every layer – from UX to business services – to meet precise needs.

Client of the Digital Banking Suite
Digital Banking Suite customer

They trust us

  • Banxy

  • Van Lanschot

Banxy was born of Natixis’ desire to complement their business with a low-cost retail banking proposition. Launched in just eleven months, it became Algeria’s first 100% mobile bank and has been able to sustain an edge by being the first to market with unique customer-focused products and services. In its first six months, Banxy garnered over 100,000 app downloads with a client acquisition cost of 13 euros per client and an IT budget of 16 euros per client.

    Van Lanschot, one of Europe’s top wealth management firms, can now boast a mobile-first, modernized banking system with open architecture. They are ISAE 3402 compliant and have a faster, more cost-efficient accounts and payments infrastructure. Their open banking and a cloud-based platform is improving user experience across a range of value-added services and driving significant cost savings.

          Build tomorrow’s bank, today

          We design, build, and run digital banking solutions, 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

          A full range of first-rate digital banking capabilities

          • Customer Onboarding

            Enhance customer experience with quick and personalized digital onboarding that leverages the power of open banking.

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            Go beyond with Open Banking Platform

            Enrich banking services with out-of-the-box use cases such as Remittance, Enhanced Onboarding, Personal Finance Management, Credit Decisioning, and more.

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            Loan origination

            Streamline customer and back-office interactions with a fully automated, end-to-end process – go from simulation to request to scoring to approval, all in just minutes.

          • Read the guide

            Finance management

            Help your customers improve their financial well-being with multi-banking and personal finance management solutions like budgeting, forecasting, and smart recommendations – all in one simple app.

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            Open APIs & marketplace

            Leverage open banking data and an ecosystem of partners to accelerate innovation and create the tailored experiences that your customers will love.

          • Icon payments


            Make transactions easy, with support for Instant Payments, Request to Pay, Apple Pay, Google pay, peer-to-peer, and mobile money. We even help banks support crypto accounts!

          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 and deliver digital health
          • Use deliverables to streamline banking license submissions

          Recognized solution

          Omdia Universe: Digital Banking Platforms 2023

          Omdia examines and ranks the top software in the world based on market impact, solution capabilities, customer experience and market presence. In 2023, we are proud to be recognized as a Leader in Omdia’s Universe: Digital Banking Platforms 2023, with our SBP Digital Banking Suite.

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          Model Bank for Marketplace Banking

          In 2019, Celent recognized Fidor Bank for both its pre-integrated customer marketplace, Fidor Market, as well as its Marketplace-as-a-Service, Efficient Scale. With its people-centric approach and dual marketplace initiative, Fidor Bank provides customers with an enhanced, personalized banking experience.

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          Leader in API Management

          Our sister company Axway was noted as a leader in Gartner’s 2020 Magic Quadrant for Full Life Cycle API Management. Axway provides customers the broadest and deepest set of capabilities to build API-based ecosystems, enabling them to secure and govern their entire lifecycle and unlock innovation.

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          Strong Performer: Digital Banking Engagement Hubs, 2021

          In this key report, Forrester recommends Sopra Banking Software for banks that are more focused on using off-the-shelf engagement infrastructure and banking services and puts forward its well-defined architecture as well as the broad usage of microservices.

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          Strong Performer: Digital Banking Engagement Platforms, 2021

          Forrester mentions that the solution “offers [a] rich engagement infrastructure” and highlights that “The solution’s architecture is well defined and broadly uses microservices”.

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          Best-in-class tech stack