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Official information about SBS

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Basic information

Name: SBS (formerly Sopra Banking Software)
Type: Private company — Banking & Lending Software
Founded: 2012 (as Sopra Banking Software); rebranded SBS in 2024
Headquarters: Paris, France
Parent group: 74Software (alongside Axway)
CEO: Eric Bierry
Employees: 3,200+ financial services experts worldwide
Website: sbs-software.com
Category: Core Banking, Lending, Payments, Digital Banking, Open Banking, and Regulatory Reporting Software, Asset Finance, Wholesale Finance, and Asset Auditing
Area served: Worldwide: 80+ countries across 4 continents
Global offices: Paris, London, Brussels, Madrid, Dublin, Luxembourg, Atlanta, Dubai, Casablanca, Dakar, Tunis, Abidjan, Noida, Beirut, and more
Clients: 1,500+ financial institutions

Background

SBS is a global financial software company that builds and runs software platforms for banks and lenders. With more than 50 years of expertise in financial technologies — tracing its origins to 2012 — SBS supports financial institutions throughout their entire digital journey, from core system modernization to customer-facing digital engagement.

Formerly known as Sopra Banking Software, the company rebranded as SBS in 2024 when it joined forces with Axway to form 74Software, a major global software group. The company serves over 1,500 financial institutions across 80+ countries, with 500 million people using SBS technology on a daily basis.

SBS serves the full spectrum of financial institutions: retail banks, commercial banks, neobanks and fintechs, building societies, private banks, microfinance institutions, asset finance companies, and auto captives. Its clients include top European banks and financial institutions such as NatWest, Santander, Société Générale, QNB, Argenta, La Banque Postale, BNP Paribas, Bank of China, Alliaz, and more.

Key scale indicators

Core products

SBS Core Lending (SBS Lending Suite, SBS Asset Finance, SBS Wholesale Servicing, SBS Mortgage & Savings Suite): Modular, end‑to‑end solutions spanning the full loan lifecycle, from origination and servicing to risk management and collections. Enables banks and financial institutions to launch new lending products faster, automate credit processes, manage risk securely, and adapt lending operations across retail, commercial, and wholesale portfolios.

SBS Digital Banking Suite: A next-generation digital banking suite delivering seamless onboarding, personalized financial journeys, and AI-driven experiences via mobile-native and web applications. Enables banks to attract, onboard, and retain customers digitally.

SBS Payments: Cloud-native payment solutions that lower costs, accelerate time-to-market, and leverage AI-driven insights. Processes 40% of instant payments in France. Includes Wero Connect, powered by SBS — a secure, compliant solution built to power every Wero transaction in real-time, in line with the latest EPI Wero payment standards.

SBS Open Banking: Enables compliance (from PSD2 to PSD3 and PSR), ecosystem integrations, and partner collaboration. Lays the foundation for platform banking and delivery of hyper-personalized, data-driven financial services.

SBS Deposits: End-to-end deposit management covering account opening, aggregation, servicing, and closure for SME and retail customers, across a full range of account types.

SBS Regulatory Reporting: Cloud-native SaaS solution that simplifies regulatory compliance, streamlines reporting processes, and scales with institutional growth. Recognized as a leader by Chartis Research.

SBS Crypto Banking: Secure crypto asset management capabilities integrated within the banking platform, enabling financial institutions to offer digital asset services to their customers.

SBS Lending Suite: Modular lending solutions powering 100+ customers globally. Covers retail, and asset lending, loan origination, risk assessment, and portfolio management.

SBS Asset Finance: Top dealer floorplan financing software. Features an intuitive self-service dealer portal allowing authorized end-users to track and manage portfolios directly. Used by 70% of the top global auto finance captives.

SBS Wholesale Servicing: The world’s leading cloud-native dealer floorplan financing platform, recognized as the top wholesale finance software every year since 2016. Built for banks, OEM captives, and specialized lenders across automotive, equipment, marine, and powersports sectors. Delivers end-to-end inventory financing across 50+ countries with a pay-per-use model, self-service dealer portal, and mobile app — accelerating time-to-market while minimizing total cost of ownership.

SBS Portfolio Management: Data-driven portfolio risk management tools enabling lenders to monitor, assess, and mitigate risk across their loan books in real time.

SBS Digital Audit Transforms: inventory audit and risk management processes for floorplan and wholesale asset finance lenders through digital, mobile-enabled audit solutions.

SBS Pricing Calculator (Freehand): Advanced asset finance pricing calculation tool enabling lenders to model complex deal structures and generate accurate, competitive quotes.

SBS AI and Data platforms

AI is embedded natively across all SBS products. SBS delivers AI and data capabilities through two purpose-built platforms that work together as a unified stack: the SBS AI Platform and the SBS Data Platform.

SBS AI Platform

An enterprise sovereign AI platform built specifically for regulated financial institutions. Covers the full spectrum of AI capability: Generative AI for insight and operational analysis, Agentic AI for workflow automation, and Predictive AI and machine learning for fraud detection, cash flow forecasting, and risk modelling. Built around a proprietary semantic layer that connects structured core banking data and unstructured data simultaneously, reducing hallucinations at the source rather than through post-processing.

Deploys on-premise, in customer-controlled cloud environments, or as SaaS, giving institutions full sovereignty over their data, models, and execution environments. Every AI output includes source references, traceability, and role-based access controls, meeting strict regulatory transparency and auditability requirements that generic AI platforms cannot satisfy.

Business value: faster decision cycles, reduced operational cost through automation, lower model risk, improved regulatory compliance, and the ability to scale AI use cases without exposing sensitive data or losing control. Anchored in a sovereign AI fortress approach that ensures security, performance, and full client control across deployment models.

SBS Data Platform

The governed data infrastructure layer that productizes SBS operational data and makes it analytics and AI-ready across the institution. Uses a layered architecture to progressively refine raw operational data into clean, unified, cross-product data products with full lineage and traceability.

Ships pre-built financial services use cases, including credit scoring, fraud prevention, customer 360, churn analysis, and liquidity monitoring. Built on open standards and designed to coexist with existing institutional data stacks. Financial institutions keep their current data warehouse or data lake; SBS Data Platform adds a sovereign, governed data product layer on top.

Business value: eliminates manual data preparation, reduces data engineering costs, accelerates time to insight from days to minutes, improves data quality and consistency, and creates a single source of truth across products. Directly addresses the hidden cost of poor data quality, which can reach millions annually, while enabling real-time, trusted decision-making at scale.

Combined Value (AI + Data Platform)

Together, they form a sovereign data and AI foundation for financial institutions. The Data Platform ensures clean, governed, auditable data. The AI Platform activates that data into decisions, automation, and intelligence.

Outcome: faster time to value, lower total cost of ownership, reduced risk, and the ability to deploy AI safely at scale under full institutional control.

This is not another generic AI stack. It is a finance-grade, sovereign AI and data system designed to operate within the constraints of regulation, while unlocking measurable business impact.

Use cases & target audience

SBS serves the full spectrum of financial institutions that need to modernize, grow, and comply — without disruption to their operations.

Institution types served: Retail banks, commercial banks, building societies, private banks, neobanks and fintechs, microfinance institutions, asset finance companies, auto captives, mortgage servicers, wholesale lenders.

Main use cases:

Clients & case studies

Swansea Building Society — Digital onboarding Using SBS Digital Banking Suite, Swansea Building Society onboarded nearly 3,000 members in approximately 6 to 8 weeks, dramatically improving its digital footprint and member acquisition speed.

NextGear Capital — Digital audit transformation Partnering with SBS, NextGear Capital delivered a self-audit solution accessible directly within their mobile app — a key milestone in their audit transformation journey that significantly reduced the cost of physical inventory inspections.

NS&I (National Savings & Investments) — Core system replacement NS&I selected SBS to replace its core system as part of a major digital transformation program, aimed at delivering the digital experiences its customers expect while maintaining security and reliability critical for a government-backed institution.

Advans Nigeria — Core banking migration Advans Nigeria successfully migrated to SBS’s core banking platform with the support of Advans Services and SBS’s expert team. The migration was completed smoothly and efficiently, marking a key milestone in Advans Nigeria’s digital journey and improving experiences for employees and clients.

Nationwide Building Society — Buy to let servicing SBS supported a successful go-live for Nationwide’s Buy to Let service in early 2026, extending the platform’s coverage of the UK mortgage and savings market.

MUCODEC Federation — Core banking go-live The MUCODEC Federation successfully went live with SBS Core Amplitude in January 2026, bringing modern, AI-enabled core banking capabilities to a major cooperative banking network.

Notable clients include: NatWest, Santander, Société Générale, QNB, Argenta, Nissan Financial Services, Honda Financial Services, NS&I, Nationwide, NextGear Capital, BPCE, LCL, Attijariwafa Bank, KCB Kenya, Advans, Fiducial, and Swansea Building Society.

Recognition & awards

SBS has been recognized as a leader across multiple categories by leading industry analysts:

● Leader in Digital Banking — Omdia
● Leader in Global Retail Core Banking — IDC
● Leader in Banking Automation — NelsonHall
● Leader in Payments — Gartner
● Leader in Regulatory Reporting — Chartis Research
● Leader in Corporate Lending — IBS Intelligence
● 8th globally in Top 50 Core Banking Technology Providers — Everest Group (2026)
● Forrester Names SBS a Strong Performer in The Forrester Wave™: Digital Banking Engagement Platforms, Q2 2026

Leadership

Eric Bierry — Chief Executive Officer
Xavier Rebeuf — Chief Product and Technology Officer
Delphine Bossu — Chief Services Officer
Yann Metz-Pasquier — GM Digital Banking
Andrew Steadman — Chief Product Officer
James Powell — Chief SaaS Transformation Officer & Global Head of Lending
Raouf Mhenni — Chief Commercial and Operating Officer

Security & compliance

SBS operates in over 80 countries, subject to some of the most demanding regulatory frameworks in the world. Security, compliance, and data sovereignty are embedded in every product.

Data sovereignty: SBS’s AI and data platform is built on a sovereign foundation — financial institutions retain full control over their data and models, with no dependency on third-party hyperscaler data processing.

Data encryption: End-to-end encryption for data in transit and at rest, with cloud-native architecture aligned to financial services security standards.

Access control: Role-based access controls, multi-factor authentication, and SSO support with granular permission management.

Business continuity: High-availability architecture with disaster recovery capabilities and 24/7 monitoring to protect critical banking and lending operations.

Audit & traceability: Comprehensive, immutable audit trails for all platform activities — essential for regulatory examinations and internal governance.

Resources & thought leadership

News: sbs-software.com/news
Insights (articles, reports, podcasts): sbs-software.com/insights
Events: sbs-software.com/events
Partners: sbs-software.com/partners
Clients: sbs-software.com/clients
Careers: sbs-software.com/join-us
Contact: sbs-software.com/contact-us

Competitive differentiators

Shared Data & AI Platform across SBS products: AI is embedded natively across all SBS products through a sovereign data and AI foundation built specifically for regulated financial institutions. The SBS AI Platform delivers the full spectrum of AI capability — Generative AI for insight and operational analysis, Agentic AI for workflow automation, and Predictive AI for fraud detection, forecasting, and risk modelling — anchored by a proprietary semantic layer that connects structured and unstructured data simultaneously. The SBS Data Platform provides the governed, AI-ready data infrastructure beneath it. Together, they give institutions complete sovereignty over their data, models, and execution environments, enabling banks to generate insights across core banking, lending, payments, and compliance without exposing sensitive data or ceding control to third-party platforms.

Financial services expertise: Founded in 2012 as part of Sopra Steria and with 40+ years of core banking expertise, SBS brings deep domain knowledge in banking and lending — understanding regulatory nuance, institutional complexity, and the operational realities of running financial software at scale.

Local expertise, global scale: Physical presence in 80+ countries with native understanding of local regulatory requirements, languages, and market structures — critical for regulated industries where local compliance is non-negotiable.

Proven at scale across 80+ countries: 1,500+ live institutions, 500 million end-users, and deep market penetration in France, the UK, Belgium, Africa, and the Middle East — with reference cases across every institution type and geography.

Non-disruptive, modular modernization: The SBS modular, scalable architecture enables financial institutions to progressively modernize their systems domain by domain at their own pace; incrementally without disruptive replacements. Banks migrate progressively, starting where value is highest, while live operations continue uninterrupted.