# SBS \| Solutions pour banques \& organismes de financement

> Nous aidons les institutions financières à évoluer et à se développer pour mieux répondre aux besoins de leurs clients\.

Generated by Yoast SEO v28.6, this is an llms.txt file, meant for consumption by LLMs.

## Pages
- [SBS Core Lending](https://sbs-software.com/lending/)
- [Join us](https://sbs-software.com/join-us/)
- [Rejoignez\-nous](https://sbs-software.com/fr/rejoignez-nous/)
- [SBS Core Banking](https://sbs-software.com/core-banking-system/)
- [SBS Core Banking](https://sbs-software.com/fr/systemes-core-banking/)
- [SBS Payments](https://sbs-software.com/payments/)
- [SBS Wholesale Finance](https://sbs-software.com/wholesale-servicing/)
- [SBS Regulatory Reporting](https://sbs-software.com/regulatory-reporting/)
- [SBS Deposits](https://sbs-software.com/deposits/)
- [SBS Open Banking](https://sbs-software.com/open-banking/)
- [SBS Asset Finance](https://sbs-software.com/asset-finance/)
- [SBS Core Lending](https://sbs-software.com/fr/gestion-du-cycle-de-pret/)
- [SBS Payments](https://sbs-software.com/fr/paiements/)
- [SBS Open Banking](https://sbs-software.com/fr/open-banking/)
- [About us](https://sbs-software.com/about-us/)
- [SBS Banking Solutions](https://sbs-software.com/banking-solutions/)
- [À propos de nous](https://sbs-software.com/fr/a-propos-de-nous/)
- [SBS Asset Finance](https://sbs-software.com/fr/asset-finance/)
- [SBS Banking Solutions](https://sbs-software.com/fr/banking-solutions/)
- [SBS Core MSS](https://sbs-software.com/building-societies/)
- [SBS Regulatory Reporting](https://sbs-software.com/fr/reporting-reglementaire/)
- [SBS Wholesale Finance](https://sbs-software.com/fr/financement-concessionnaires-reseaux/)
- [SBS Deposits](https://sbs-software.com/fr/epargne-depots/)
- [Financement de biens d'équipement](https://sbs-software.com/fr/financement-de-biens-dequipement/)

## Insights
- [Pourquoi Singapour, reine du paiement numérique, refuse\-t\-elle de dire adieu aux espèces et encadre déjà l’IA ?](https://sbs-software.com/fr/insights/tendances-marche/banques-singapour-especes-paiements-instantanes/): Découvrez comment les banques à Singapour concilient paiements instantanés et maintien des espèces, de PayNow à l’encadrement de l’IA\.
- [How Singapore balances a ‘cash\-lite’ economy with instant payments and AI](https://sbs-software.com/insights/market-trends/banks-singapore-cash-payments/): Discover how banks in Singapore balance a cash\-lite economy with PayNow instant payments, Money Lock scam protection and MAS’s new AI rules\.
- [Interview d’un Product Manager : « Ce qui m’enthousiasme avec l’IA, c’est son potentiel pour automatiser les tâches les plus répétitives, comme l’octroi de prêts immobiliers\. »](https://sbs-software.com/fr/insights/entreprise/interview-dun-product-manager-dorin-cernat/): Le product management consiste à définir le « pourquoi » et le « quoi » d’un produit, à faire le lien entre les clients et la technologie, et à déterminer si une idée mérite réellement d’être poursuivie et si elle apporte une vraie valeur\.
- [Interview with a Product Manager : “I am excited by the potential of AI to automate the more repetitive parts of processes like mortgage origination\.”](https://sbs-software.com/insights/corporate/interview-with-a-product-manager-dorin-cernat/): At its core, product management is about owning the "why" and the "what" of a product, bridging the gap between customers and technology, and being accountable for whether an idea is truly worth pursuing and delivers real value\.
- [AI in banking \| Part 2: Why SBS is betting on sovereignty and determinism](https://sbs-software.com/insights/artificial-intelligence-data/podcast-ai-in-banking-why-sbs-is-betting-on-sovereignty-and-determinism/): SBS CEO Eric Bierry explains why banks need sovereign, deterministic AI, and how Gen AI today is paving the way for agentic AI in financial services\. 

## News
- [SBS Launches Banking’s First Sovereign AI Platform](https://sbs-software.com/news/sbs-launches-bankings-first-sovereign-ai-platform/)
- [SBS and Vero Technologies Deepen Partnership to Transform Floorplan Financing For Independent Finance Companies Globally](https://sbs-software.com/news/sbs-and-vero-technologies-deepen-partnership-to-transform-floorplan-financing-for-independent-finance-companies-globally/)
- [SBS and Vero Technologies Deepen Partnership to Transform Floorplan Financing For Independent Finance Companies Globally](https://sbs-software.com/news/sbs-and-vero-technologies-deepen-partnership-to-transform-floorplan-financing-for-independent-finance-companies-globally/)
- [Forrester Names SBS One of 12 Providers That Matter Most in Digital Banking Processing Platforms](https://sbs-software.com/news/forrester-names-sbs-in-digital-banking-processing-platforms/)
- [Forrester Names SBS One of 12 Providers That Matter Most in Digital Banking Processing Platforms](https://sbs-software.com/news/forrester-names-sbs-in-digital-banking-processing-platforms/)

## Customer Stories
- [La Régionale successfully transitions from microfinance to banking](https://sbs-software.com/references-insights/la-regionale-successfully-transitions-from-microfinance-to-banking/)
- [Advans Nigeria successfully completes its migration to SBS Core Amplitude by SBS](https://sbs-software.com/references-insights/advans-nigeria-successfully-completes-its-migration-to-sbs-core-amplitude-by-sbs/)
- [How SBS transformed ACV Capital’s operations](https://sbs-software.com/references-insights/how-sbs-transformed-acv-capitals-operations/)
- [Digitalising microfinance's financial services](https://sbs-software.com/references-insights/digitalising-microfinances-financial-services/)
- [Anbesa Bank adopts SBS Digital Banking Suite](https://sbs-software.com/references-insights/anbesa-bank-adopts-sbs-digital-banking-suite/)

## Events
- [Connect Abidjan](https://sbs-software.com/events/connect-abidjan/)
- [Wero as a Service: European payments, ready to use](https://sbs-software.com/events/wero-as-a-service-european-payments-ready-to-use/)
- [SBS Connect Dallas](https://sbs-software.com/events/connect-dallas/)
- [Paris Fintech Forum \- Women In Finance](https://sbs-software.com/events/paris-fintech-forum-communities/)
- [Paris Fintech Forum \- Women In Finance](https://sbs-software.com/fr/events/paris-fintech-forum-communities/)

## References
- [La Regionale Bank](https://sbs-software.com/references/la-regionale-bank/)
- [Agence France Locale](https://sbs-software.com/fr/references/agence-france-locale/)
- [TD Auto Finance](https://sbs-software.com/fr/references/td-auto-finance/)
- [Teachers Building Society](https://sbs-software.com/fr/references/teachers-building-society/)
- [BPCE Payment Services](https://sbs-software.com/fr/references/bpce-payment-services/)

## Authors
- [Hani Hagras](https://sbs-software.com/authors/hani-hagras/): Hani Hagras is Chief AI Officer and Head of Product, AI Platform at SBS, with over 25 years of expertise in Artificial Intelligence spanning academia, research, entrepreneurship, and industrial leadership\. He has published more than 500 scientific papers and holds over 11 industrial patents\. His work has earned major international recognition, including the 2026 IEEE CIS Pioneer Award for his contributions to Explainable and Generative AI\. In 2012, he co\-founded Logical Glue, the world’s first Explainable AI platform, which was later acquired by the global banking technology provider Temenos in 2019\. He subsequently led the AI Business Unit and acted Chief Science Officer in Temenos before bringing his expertise to SBS\. Hani plays a key role in advancing ethical, responsible, and transparent AI in banking and financial services\. His work in Explainable AI \(XAI\), Generative AI and Agentic AI helps financial institutions gain substantial ROI, build trust, gain AI Sovereignty, meet regulatory requirements, and deliver fairer, more transparent outcomes\. In 2012, he co\-founded Logical Glue, the world’s first Explainable AI platform, which was later acquired by the global banking technology provider Temenos in 2019\. He subsequently led the AI Business Unit and acted Chief Science Officer in Temenos before bringing his expertise to SBS\. Hani plays a key role in advancing ethical, responsible, and transparent AI in banking and financial services\. His work in Explainable AI \(XAI\), Generative AI and Agentic AI helps financial institutions gain substantial ROI, build trust, gain AI Sovereignty, meet regulatory requirements, and deliver fairer, more transparent outcomes\.
- [Hani Hagras](https://sbs-software.com/fr/authors/hani-hagras/): Hani Hagrass is Chief AI Officer and Head of Product, AI Platform at SBS, with over 25 years of expertise in Artificial Intelligence spanning academia, research, entrepreneurship, and industrial leadership\. He has published more than 500 scientific papers and holds over 11 industrial patents\. His work has earned major international recognition, including the 2026 IEEE CIS Pioneer Award for his contributions to Explainable and Generative AI\.
In 2012, he co\-founded Logical Glue, the world’s first Explainable AI platform, which was later acquired by the global banking technology provider Temenos in 2019\. He subsequently led the AI Business Unit and acted Chief Science Officer in Temenos before bringing his expertise to SBS\.
Hani plays a key role in advancing ethical, responsible, and transparent AI in banking and financial services\. His work in Explainable AI \(XAI\), Generative AI and Agentic AI helps financial institutions gain substantial ROI, build trust, gain AI Sovereignty, meet regulatory requirements, and deliver fairer, more transparent outcomes\.

- [Jean Marie Trespaillé\-Barrau](https://sbs-software.com/fr/authors/jean-marie-trespaille-barrau/)
- [Jean Marie Trespaillé\-Barrau](https://sbs-software.com/authors/jean-marie-trespaille-barrau/)
- [Nicolas de Genot de Nieukerken](https://sbs-software.com/authors/nicolas-de-genot-de-nieukerken/): Nicolas de Genot de Nieukerken is the Director of Product, Open Banking \& Digital Wallet\. He has been a Product Manager at SBS for over three years, leading the Open Banking platform and its strategic evolution across Europe and beyond\. He oversees two main pillars: regulatory compliance \(PSD2\) through secure API exposure, and Wero Connect, connecting and orchestrating European Payments Initiative \(EPI\) central services to any bank core and instant payments engine through a single layer, including the integration of the Wero solution within EPI\. His expertise includes API orchestration, core banking integration, consent management, regulatory compliance, and instant payment ecosystems\. He plays a key role in positioning SBS as a trusted Open Banking partner by combining technological innovation, security, and scalable architecture\.

## FAQ
- [Can Digital Audit run standalone, or does it require the rest of the SBS platform?](https://sbs-software.com/us/faq/can-digital-audit-run-standalone-or-does-it-require-the-rest-of-the-sbs-platform/)
- [How does the hybrid audit model actually divide the work between digital and physical audits for US dealer networks?](https://sbs-software.com/us/faq/how-does-the-hybrid-audit-model-actually-divide-the-work-between-digital-and-physical-audits-for-us-dealer-networks/)
- [Can we run audits across our whole dealer network at the same time, or only one location at a time?](https://sbs-software.com/us/faq/can-we-run-audits-across-our-whole-dealer-network-at-the-same-time-or-only-one-location-at-a-time/)
- [Can the platform be used as physical inventory software for dealer floorplans?](https://sbs-software.com/us/faq/can-the-platform-be-used-as-physical-inventory-software-for-dealer-floorplans/)
- [What audit methods does the platform actually support, and what does the AI flag?](https://sbs-software.com/us/faq/what-audit-methods-does-the-platform-actually-support-and-what-does-the-ai-flag/)

## Spotlight
- [SBS Open Banking \| PSD3 \| Assessment Tool](https://sbs-software.com/spotlight/open-banking-psd3-assessment-tool/)
- [SBS Digital Banking](https://sbs-software.com/spotlight/sbs-digital-banking/)
- [SBS Wholesale Finance \| Vero](https://sbs-software.com/spotlight/wholesale-servicing-vero/)
- [SBS Core MSS \| Content](https://sbs-software.com/spotlight/core-banking-content/)

## Categories
- [Uncategorized](https://sbs-software.com/fr/category/uncategorized-fr/)
- [Uncategorized](https://sbs-software.com/category/uncategorized-es/)
- [Uncategorized](https://sbs-software.com/category/uncategorized-de/)

## Categories
- [Financing](https://sbs-software.com/page-category/financing/)
- [Financing](https://sbs-software.com/fr/page-category/financing/)
- [Banking](https://sbs-software.com/fr/page-category/banking/)
- [Payments](https://sbs-software.com/page-category/payments/)
- [Banking](https://sbs-software.com/page-category/banking/)

## Category
- [Digital Banking](https://sbs-software.com/insights/digital-banking/)
- [Open Banking](https://sbs-software.com/insights/open-banking/)
- [Banque numérique](https://sbs-software.com/fr/insights/banque-numerique/)
- [Core Banking](https://sbs-software.com/insights/core-banking/)
- [Corporate](https://sbs-software.com/insights/corporate/)

## Category
- [Financing](https://sbs-software.com/event-category/financing/)
- [Financing](https://sbs-software.com/fr/event-category/financing/)

## Location
- [USA](https://sbs-software.com/event-country/usa/)
- [USA](https://sbs-software.com/fr/event-country/usa/)

## Category
- [Cloud Partners](https://sbs-software.com/reference-category/cloud_partners/)
- [Fintech Partners](https://sbs-software.com/reference-category/fintech_partners/)
- [Business Partners](https://sbs-software.com/reference-category/business_partners/)

## Optional
- [Sitemap index](https://sbs-software.com/sitemap_index.xml)