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With advanced data intelligence, banks can drive innovation, customer satisfaction, and shareholder value.

Digital transformation is paving the way for innovation in banking

Banks that drive digital transformation are using data in the cloud and intelligent technologies to lower costs and maximize speed while improving the customer and employee experience.

Top of mind trends in the Banking industry
Migration to the cloud

Banks are operating in the cloud safely and more nimbly by leveraging intelligent technologies, such as AI and machine learning (ML), for improved speed and accuracy. They can develop new business models in the cloud to avoid being disrupted, gain efficiencies to fund innovation, and transform mission-critical systems while mitigating business risk. 

CFO as a strategic visionary

The role of the CFO is evolving and expanding with the use of data analytics and intelligent technology. Moving beyond financial reporting and P&L, CFOs are leveraging advanced data analytics to gain greater insight into strategic planning and help line-of-business heads make better-informed decisions. 


Banks are facing increasingly complex sustainability requirements in balancing the needs of the investor, the transition to carbon neutrality, and the advancement of social goals while grappling with regulations and data gaps. Through the use of advanced data analytics and reporting, banks can more easily meet these requirements.

Competition for talent

To attract and retain the top talent needed to drive digital transformation, banks are providing employees with the most advanced digital tools and an overall experience that fosters employee engagement, growth, and satisfaction.

Innovative banking solutions from SAP and our partners

Solutions that address specific banking industry needs help you achieve cost-effective transformation and sustainable growth.

SAP S/4HANA Cloud for finance

Managing risk, complying with regulations, and providing accurate and timely information is essential in banking. Our cloud ERP software can help banks stay compliant, manage financial data, control costs, and reduce risk. 

SAP SuccessFactors solutions

Staying ahead means attracting and keeping the right talent. Our responsive workforce management solutions can help banks achieve this with robust human capital management capabilities and in-depth employee experience insights.

SAP Business Network

By improving visibility into spend, banks can identify savings opportunities within their global supplier base. Our solutions can help digitalize and automate procurement and supplier collaboration for greater spend agility.

SAP Profitability and Performance Management Cloud

Get intuitive, cloud-based tools to define, build, and manage sophisticated and flexible business models without IT involvement. You can increase trust by replacing manual, error-prone spreadsheets with robust processes.

myWave.AI Intelligent Personalization Platform

Deliver intelligent personalization by combining AI, personal data, and proactive automation to make every product or service centered on the individual customer, allowing you to serve customers as individuals at scale.

Cloud for Banking (C4B) by Fioneer

Use a next-generation, wallet-type solution that enables banks to store and manage transactions of all “currency” types, such as fiat, digital currencies, tokens, and loyalty points for your customers.

Explore how we can help your banking business run better


Finance and risk software from SAP can help banks stay compliant and reduce risk while managing financial performance to control costs. By leveraging data and advanced analytics, banks can gain greater financial insight and control through a faster, compliant financial close.

  • Financial performance management
  • Financial instrument management
  • Compliance and risk management
  • Data management

15% time savings during the financial close in organizations that set up real-time financial accounting.

Source: SAP Performance Benchmarking

Our users are thrilled. People are really excited, particularly about the SAP Fiori user experience. The ability to drill down into the data to see which source system transactions are coming from has been a big win.

Cally Hunt, Head of Finance Technology Transformation, Bank of Montreal 


With spend management software from SAP, you can proactively increase managed spend and integration across spend categories, enabling holistic analytics and significant savings in spend.

  • External workforce management
  • Contract and supplier compliance
  • Integration between invoice processing and accounts payable
  • Source determination for indirect materials
  • Enterprise performance management


195 million catalog items, 34 million sales leads, and US$50 billion in payments made annually through Ariba Network.

Source: Ariba, an SAP company

When it comes to procurement, SAP Ariba solutions are our backbone. They have allowed us to stay agile and flexible and keep our services running by giving us total visibility into our supply chain, so we can manage risk and deliver real business value

George Booth, CPO, Lloyds Banking Group plc


Customer experience solutions from SAP use customer data and intelligent analytics to enable omnichannel sales and self-service banking. They can help you provide hyperpersonalized marketing at scale and drive customer engagement, allowing you to become a trusted advisor in your customers’ evolving journey toward financial health and well-being.

  • Sales, service, marketing, and digital engagement solutions
  • Robust self-service banking features integrated with sales and marketing
  • Agile customer engagement
  • Enterprise-wide data foundation
  • Intelligent analytics for predictive insights 

66% of banks say data is the most critical challenge for improving the digital customer experience.

Source: Qualtrics


We are very happy that we took this step. I do not know how we could further develop future data-driven sales without SAP software.

Andreas Küchle, Marketing Director, Sparda-Bank Baden-Württemberg


Our comprehensive software can help banks stay ahead of narrowing profit margins by enabling them to drive the lowest unit cost of production and foster agility for mass individualization, ongoing innovation, and improved margins across the customer relationship.

  • Unified management of all cards, card lifecycles, and issuing processes within one solution
  • Retail deposit offerings
  • Streamlined lending operations
  • Centralized, real-time payment processes
  • Real-time management of cash and liquidity
  • Flexible lending operations

65% of organizations will have shifted to digital-first through automated operations and contactless experiences by 2021.

Source: IDC


Thanks to SAP, we could begin our transformation journey, truly focus on serving our customers in the digital age, and ultimately help and connect with them at every stage of their financial journey.

Brad Scrivner, President and CEO, Vast Bank 

Explore your banking resource center

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White Paper
Achieving an intelligent enterprise in banking

Learn how banks deliver digital services with integrated applications, intelligent  technologies, and a digital platform from SAP. 

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Leading the way to a more sustainable future

Hear how the financial services community is embracing environmental, social, and governance measures for a sustainable future.

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Driving digital acceleration in banking

Explore how experts see the future unfolding for banks in terms of reduced IT cost and complexity and the race to the cloud.

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Increasing performance for financial workloads

See how a payments scenario using SAP S/4HANA for financial products subledger on Google Cloud led to performance improvements. 

Customer Story
4x increase in training hours

Discover how Gentera helps its employees fulfill their own professional goals with continuous learning opportunities.

Google Cloud and SAP: Transformative technology

Learn how SAP Partners with Google Cloud to enable banks and fintechs to transform their business and operating models. 

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Road Map Explorer
SAP road map for banking

Explore how our innovations can help transform the banking industry.

Customer success
Replacing resumes with digital behavioral assessments

Learn how Scotiabank improved its campus hiring process to be fairer, objective and data-driven.

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