Turn data into intelligence
At SBS, trusted, sovereign AI and data are embedded across the entire customer lifecycle, delivering the seamless, personalized experiences customers expect. Data from multiple sources and systems is harmonized, cultivated, and governed, making it AI-ready, and creating a reliable foundation for innovation and efficiency. Build stronger customer relationships with compliant, user-centric generative AI. Unlock actionable insights at scale. Stay ahead of the curve.
The future of banking is trusted and sovereign AI
Trusted, enterprise-grade AI starts with governed data deployed under the bank’s control, explainable agents, and outcomes you can act on. The momentum across the industry reinforces this focus and shows why banks are moving now — from pilots to production, from insight to action. The value is real, and the return on investment is proven.
Of banks with GenAI
Up from 10 percent in 2023, proving real production scale in 2025. Source: AI in Banking, EY-Parthenon, 2025.
Expect 6–20% revenue uplift
Most banks expect meaningful returns from their AI investments. Source: AI in Banking, EY-Parthenon, 2025.
Report ROI above 10%
Pioneers are already seeing strong returns on GenAI. Source: Generative AI in Financial Services Pioneers, Deloitte, 2025.
Annual value in euros at stake
GenAI could unlock €290 billion in banking value — if deployed responsibly. Source: Banking Matters, McKinsey, 2025.
Benefits
Real outcomes that drive business
Fuel customer growth
Tap into bank and ecosystem data to hyper-personalize the banking experience for your customers.
Boost satisfaction and retention
Ensure fast and accurate support, and deliver tailored offers in real-time. Boost time-to-value for long-term loyalty and increased revenue.
Create new revenue streams
Analyze customer behavior and interactions for smarter insights that uncover hidden demand. Tailor experiences to target and maximize both cross-sell and upsell opportunities.
Increase employee efficiency
Use customizable agents to streamline workflows. Benefit from smarter, more accurate customer service at a lower cost. Optimize campaign management, and enable fast and efficient product launches.
Real problems, real solutions
As banking becomes invisible, embedded, and intelligent, institutions must move beyond traditional models to thrive. SBS enterprise-grade AI solutions remove today’s biggest barriers to adoption, fast-tracking transformation and fueling meaningful innovation to deliver the tailored experiences customers count on.
A single, unified solution
Break down silos and harmonize data across varying systems and formats with a unified, secure and explainable solution.
Stay safe, compliant and in control
Leverage sovereign SBS AI on public cloud, private cloud, or on-premises, while guarding control of your data and AI to ensure compliance and sovereignty.
Turn insights into action
Harness accurate intelligence and GenAI to launch smart workflows. Connect with core banking systems to automate real-time decisions.
Safeguard trust in every step
Ensure transparency and trust with explainable decision-making. Context-aware agents use trusted tools and trigger guarded workflows.
Smart solutions that deliver now and scale with you
Turn knowledge into action with governed data, explainable agents, and secure tool calling across platforms and the entire SBS product portfolio: financing, digital and core banking, lending & collections and regulatory reporting.
GenAI agents in action
Tailored insights
Intelligent assistants
Product-specific AI agents
AI Assistants to enhance experiences
Use cutting-edge AI on structured and unstructured data to boost efficiency, hyper-personalize offers, and target the right product to every customer. Enhance service, strengthen relationships, and boost cross-sell, upsell, and retention.
Bespoke analytics available in an instant
With SBS AI, natural queries are converted to bespoke analytics reports instantly, without the manual effort. Users gain access to direct, explainable data, making it easy to validate insights and drive efficiency, trust, and ROI at scale.
Customer service assistants to drive efficiency
SBS AI gives service assistants direct access to the right data, avoiding delays and escalations. This streamlines customer support, and increases customer loyalty and service quality to improve financial outcomes.
Cross-product AI assistants to drive value
Leverage SBS AI Assistants to surface insights, answer questions, and trigger guarded workflows across all product lines, reducing cost to serve and time to action.
Technology
Technology that powers trusted AI
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