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

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.

Commerce Personalization

Deliver relevant and impactful commerce experiences with real-time personalization.


SAP Commerce Cloud

Omnichannel Commerce Management

Drive your business and win with an industry-leading omnichannel commerce platform.


SAP Commerce Cloud

Optimized Marketing

Gain visibility and control of the entire closed-loop marketing process. Make data-driven decisions to increase the marketing ROI.


SAP Marketing Cloud

Omnichannel Customer Service

Deliver an omnichannel customer service experience to exceed customers’ expectations.


SAP Sales Cloud

Single Customer View

Gain insight from a single view of your customers and deliver personalized experiences across the entire customer journey.


SAP Customer Profile

Consent-Based Marketing

Deliver the experiences that customers expect by recognizing them during  engagements and ensuring consent-based marketing practices.


SAP Marketing Cloud

Customer Experience Management

Manage your customers' experience across the entire engagement cycle.


SAP Qualtrics Digital CX

Digital Banking Self-Services

Offer a better customer experience with a robust set of self-service banking features via a single, open platform for all channels.


SAP Omnichannel Banking Solution, Digital Retail Option

SAP Omnichannel Banking Solution, Digital Commercial Option

Governance, Risk, and Compliance

Stay compliant and reduce exposure to risk.


SAP Business Integrity Screening

SAP Risk Management

Financial Planning and Analysis

Management of financial performance to control costs and execute organizational strategies.


SAP Business Planning and Consolidation

SAP Profitability and Performance Management

Financial Services Data Platform

Manage data in centralized data warehouse for increased efficiency.


SAP Financial Services Data Management


Gain greater financial insight and control through a faster, compliant financial close with less cost and effort.



Accounting for Financial Instruments

Access a comprehensive sub-ledger to support accounting for financial instruments on a single contract level.


SAP S/4 HANA for financial products subledger


Card Management

Manage all cards, card-lifecycles, and issuing processes within one solution, simplifying card management and reducing time to market.


Card management

Retail Deposits

Improving retail deposit offerings.


SAP Deposits Management

Retail Lending

Streamline lending operations.


SAP Loans Management

SAP Collateral Management

Centralized Payment Processing

Centralize a real-time payment process.

Cash and Liquidity Management

Managing cash and liquidity in real time.


SAP Deposits Management

Commercial Lending

Building flexible lending operations.


SAP Loans Management

SAP Collateral Management

Buy and Deliver Services

Streamline how you find, source, and manage flexible workers with external workforce management.


SAP Fieldglass Vendor Management System

Source and Contract

Reduce risk and cost through increased savings opportunities, sourcing efficiency, and contract and supplier compliance.



SAP Ariba Strategic Sourcing Suite

Invoice and Payables Management

Integrate management for invoice processing and accounts payables.




Superior service with reduced costs.


Concur Travel

Concur Expense

Indirect Goods Procurement

Improve operational efficiency and source determination for indirect materials.


SAP Ariba Buying and Invoicing


Collaborative Planning

Model in the moment and continuously account to exceed goals with enterprise performance management.


SAP Analytics Cloud

SAP and SAP Fioneer Forum

July 12–14, 2022, Amsterdam, Netherlands | Available in person and on demand

See how customers are succeeding with SAP

Solve your specific banking needs

Innovate and transform your banking or fintech business

See how the SAP Fioneer partnership builds on a longstanding heritage of robust and proven technology and a thorough understanding of fintech and traditional banking business models.

Harness the power of intelligent solutions

Find out how banks deliver digital services by creating intelligent enterprises with integrated applications, intelligent technologies, and a digital platform from SAP.

SAP Road Map for Banking

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

Current release highlights

  • Enhancements and single tenant edition for financial product subledger
  • Standardized 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 S/4HANA
  • Embedded machine learning to support processes like intelligent account finding or loan rollover
  • New cloud offering for transactional banking 

Upcoming innovations

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

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.

SAP Omnichannel Banking

Today’s banking customers expect a superior, always-on, and always-connected experience. Find out how the SAP Omnichannel Banking solution 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. 


Learn how you can adopt industry best practices for your bank or financial services firm by using a proven technology framework. Achieve operational excellence in core financial and engagement management practices and across your company as a whole.

Transform your business with SAP Services and Support

Evolve your business with services and support from SAP – your trusted adviser for digital transformation strategy and execution.

Simplify and accelerate your digital transformation

Support critical business processes on your path to innovation and digital transformation with holistic, end-to-end services that reflect over 40 years of knowledge, experience, and innovation.

Transform your business with unparalleled service support

Close the gap between your digital transformation strategy and execution with innovation discovery, digital strategy, and business transformation services from a trusted adviser that knows SAP software best.

What are analysts saying?

Uncover keys to success from banking experts

Learn how you can overcome some of your greatest challenges today and in the future by becoming an interconnected company that can collaborate effectively and create a business-wide talent strategy.

Get the facts



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

SAP Benchmarking



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

SAP Benchmarking



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

GSMA press release and Business Insider

Enable your business to thrive in a changing world

Innovate with industry cloud solutions from SAP

Find out how industry cloud solutions built on SAP Business Technology Platform by SAP and our partners foster innovation and collaboration between our customers, partners, and SAP.

Communities and Events

The Next Generation: SAP ASE and SAP IQ in the Cloud

Learn about cloud investments and how SAP HANA Cloud will allow existing SAP Adaptive Server Enterprise (SAP ASE) and SAP IQ customers to extend your on-premise workloads to the cloud.

Driving cost-effective transformation in Banking

Join the 45 minute web event to learn how SAP can help you drive cost-effective transformation and sustainable growth and what's next in Banking.

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.

Human Resources

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


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


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.

Database and Data Management

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

Application Development and Integration

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

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