Reach more customers and 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.

Digital Customer Engagement

  • Commerce Personalization
  • Consent-Based Marketing
  • Digital Banking Self-Services
  • Omnichannel Commerce Management
  • Omnichannel Customer Service
  • Optimized Marketing
  • Single Customer View

Retail Banking Operations

  • Card Management
  • Centralized Payment Processing
  • Retail Deposits
  • Retail Lending



Commercial Banking Operations

  • Cash and Liquidity Management
  • Commercial Lending
  • Multi-Bank Connectivity

Finance and Risk

  • Accounting and Financial Close
  • Accounting for Financial Instruments
  • Financial Planning and Analysis
  • Financial Services Data Platform
  • Governance, Risk, and Compliance
  • Performance Management

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.


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.

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 S4HANA new solution
  • Embedded machine learning, e.g. to support 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

Bank on personalized services and machine learning

Transform data with new analytics techniques Combat data explosion that’s disruptive to the customer experience and offer personalized service and products with predictive analytics and machine learning.

Jump-start your transition to an intelligent enterprise

Accelerate implementation time, reduce risks, and get ready for your digital journey with the SAP Model Company service for 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 IoT applications using business and technology services