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Banking Technology Solutions

Reach more customers and new levels of trust with a real-time intelligent enterprise and integrated financial insight and risk control using SAP solutions for banking.

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In the experience economy, banks need to exceed expectations

With the Intelligent Enterprise framework, SAP provides integrated applications, intelligent technologies, and a digital platform to enable banks to better serve current customers and reach the underbanked to support financial inclusion.


Digital Customer Engagement

  • Commerce Personalisation
  • Consent-Based Marketing
  • Digital Banking Self-Services
  • Omnichannel Commerce Management
  • Omnichannel Customer Service
  • Optimised Marketing
  • Single Customer View

Retail Banking Operations

  • Card Management
  • Centralised Payment Processing
  • Retail Deposits
  • Retail Lending

Commercial Banking Operations

  • Cash and Liquidity Management
  • Commercial Lending
  • Multi-Bank Connectivity

Finance and Risk

  • Accounting and Financial Close
  • Accounting for Financial Instruments
  • Financial Planning and Analysis
  • Financial Services Data Platform
  • Governance, Risk, and Compliance
  • Performance Management
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Digital Customer Engagement

  • In-the-Moment Marketing
  • Empowering Sales to Sell More
  • Digital Experience and Commerce
  • Digital Banking Self-Services
  • Customer Service and Assistance

Retail Banking Operations

  • Retail Deposits
  • Retail Lending
  • Centralised Payment Processing

Commercial Banking Operations

  • Cash and Liquidity Management
  • Commercial Lending
  • Financial Services Network

Analytical Banking

  • Accounting for Financial Instruments
  • Performance Management
  • Risk Management
  • Data Management for Financial Services

Origination and Customer Management

  • Optimized Application Processing
  • Customer Information Excellence
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Innovation – Transforming Banking services of the future

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SAP Cloud for Banking

Address the challenge of open banking, disruptive new competitors, and
Big Data, and deliver on strategic priorities to move beyond banking. 

Win with game-changing machine learning and AI

Machine learning and AI can help banks optimise financial offerings and increase profitability. Machines are analysing Big Data and using results to adapt and predict outcomes.

Prosper in the era of open banking through strategic, digital banking innovation

Stay competitive in and profit from emerging open-banking services through digital transformation. Reimagine how to improve customer experience and predict customer needs. Examine how to reduce operating costs, meet regulatory and compliance standards, and implement open-banking and platform-based business models.

Get the facts

15%

time savings during the financial close in organisations that set up real-time financial accounting.

SAP Benchmarking

8%

increase in customer satisfaction for organisations with a mature mobile strategy.

SAP Benchmarking

3B

Internet users and 30-50 billion connected devices are expected by 2020.

GSMA press release and Business Insider

SAP Road Map for Banking

See how our integrated, intelligent solutions enable seamless connectivity across the banking ecosystem through current, upcoming, and future innovations. 


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Current release highlights

  • Enhancements and single tenant edition for financial product subledger
  • Standardised and business-driven financial services data model
  • New solutions for card management and syndicated loans 
  • Online and mobile solutions for business and retail banking
  • SAP Transactional Banking for SAP S4HANA new solution
  • Embedded machine learning, e.g. to support intelligent account finding or loan rollover
  • New cloud offering for transactional banking 

 

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Upcoming innovations

  • Integrated financial services data platform with the financial product subledger 
  • Preconfigured and preassembled end-to-end cloud solutions for banking
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Future plans

  • Combine operational and experience data to understand the “what” and “why”
  • Productize existing co-innovations, such as virtual accounts or virtual cards for procure to pay
  • Implement intelligent service processing
  • Enable end-to-end finance and risk management in the private and public cloud

Find banking software tailored to your needs

Shape your bank’s success by developing and providing services and technologies such as mobile banking apps, omnichannel banking, and digital banking analytics.
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SAP Omnichannel Banking and SAP Performance Management for Financial Services

SAP Omnichannel Banking


SAP Performance Management for Financial Services

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SAP Omnichannel Banking

Today’s banking customers expect a superior, always-on, always-connected experience. Find out how SAP Omnichannel Banking can help you achieve end-to-end digital transformation to build lasting customer relationships and win in the digital economy through mobile banking and other services. 

SAP Performance Management for Financial Services

Manage and analyse enterprise profitability and efficiency with just one application. Execute allocation and funds transfer pricing and costing models. Use a high-speed finance and risk calculation engine along with business data aggregation and simulation and scenario management capabilities.

Jump-start your transition to an intelligent enterprise

Accelerate implementation time, reduce risks, and get ready for your digital journey with the SAP Model Company service for banking.


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Building representing SAP Model Company

SAP Model Company for Banking

Become a digital leader with a prepackaged, ready to use service that delivers predefined end-to-end business processes, test cases, configuration guidelines, and project accelerators for your industry. 

What are leading analysts saying about SAP?

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Gartner names SAP a leader in global retail core banking again

For the 10th consecutive time, Gartner has awarded SAP leadership status in the latest Magic Quadrant for Global Retail Core Banking report. SAP received industry leader recognition for our “ability to execute” and “completeness of vision.”

See how customers are succeeding with SAP

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Greater Bank - Banking on Digital HR for Growth 

Greater Bank came to SAP to give its customers total freedom on how to bank and to advance digitally. We implemented SuccessFactors and totally transformed their HR.

ATB Financial first blockchain payment with SAP technology

ATB successfully transferred CA$1,000 (EUR 667) to ReiseBank using a network built on SAP technology (SAP HANA Cloud Platform & SAP Payment Engine) and Ripple’s pioneering network of enterprise blockchain solutions. 

Transforming life through digitalized banking

Learn how Vast Bank created a seamless user experience to foster a five-star customer banking experience by digitalizing operations.

Get the latest news and trends from experts

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Falk Rieker
Global VP and Global Head of the Banking Business Unit
SAP

Transforming banking with intelligent technologies

Learn how banks are facing digital disruption head-on with intelligent technologies that can help optimise and extend business processes, to remain competitive.

Picture of Karsten Egetoft, who explores data management for financial services
Karsten Egetoft
Senior Solution Architect, Financial Services Industry Unit
SAP

Data management challenges for financial services

Become a data-driven enterprise by addressing three data management trends concerning data volume, ubiquity, and user demands.

Falk Rieker
Global VP and Head of the Banking Business Unit
SAP

Embrace digitalization for the future of banking

Discover how digitalization is helping the banking industry embrace innovation and adopt new technologies to improve business processes and financial services.

Communities and Events

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SAP Next-Gen innovation summits

Attend digital innovation events connecting customers to academia, startups, venture firms, SAP experts, and partners to foster networking and collaboration on industry-specific innovation.

Manage your banking business enterprise-wide

Explore our comprehensive solutions for all business processes across all industries to find the solutions you need to build a connected business.
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Human Resources

Simplify HR processes and engage your workforce to drive better business results, empower your workforce, and develop your talent.

Finance

Bring together financial processes with automated, real-time analytics, and translate them into forward-looking business insight across the entire organisation.

Analytics

Take advantage of in-depth data analysis, predictions, and processing of complex events, and combine data from a variety of sources into one, integrated platform.

Cloud and Data Platforms

Leverage business applications that use the latest technology advancements – including the SAP HANA platform, cloud, mobile, and more.

Internet of Things (IoT)

Deploy high-velocity, intelligent edge IoT applications using business and technology services.

Find the banking solutions that meet your needs

Digital Customer Engagement
Retail Banking Operations
Commercial Banking Operations
Origination and Customer Management
Analytical Banking
Building Trust and Transparency in Financial Services: Views from the Industry

Building Trust and Transparency in Financial Services: Views from the Industry

With the release of the Royal Commission into Banking report comes impending regulatory change. How will your organisation be responding to re-instill trust in the Financial system?

Explore the discussion paper
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