Rock-solid core banking made for scale and speed

Get everything banks need to stay ahead of the curve in an ever-evolving market. Make the most of wide and deep lending, deposits and payments capabilities with multiple cloud deployment options. Enchance innovation with robust security and seamless UX.

SAP Fioneer is trusted by leading banking institutions around the globe

Rely on proven technology

Our technology has been implemented and proven in the banking space from global banks to challengers. We engineer rock-solid solutions you can rely on to scale, run and grow with you.

Innovate at speed and scale

Serve customers better, faster and at scale. Quickly spin up innovative business models. Tap into new revenue streams with an array of ready-to-run solutions, cloud services and access to the wider financial ecosystem.

Reduce complexity

Simplify your technical infrastructure by introducing lean and future-fit standard software. Deploy flexibly – choose a managed, public, private cloud option or create seamless hybrid models.

End-to-end solutions for banking and insurance

Embedded finance

Our platform connects financial institutions with corporates to build frictionless business processes. Leverage pre-built templates and data-driven insights within a SaaS model.

Retail banking

Tailor your offering with ease with a wide selection of ready-to-run solutions made for retail banking. Create a stellar customer experience, launch innovative products and automate operations – all within one composable platform.

Commercial banking

Cater even to the most complex banking needs of businesses: from SMEs to large global corporations. Tap into a wide selection of end-to-end functionalities complete with self-service capabilities.

Asset finance

Leverage our modern end-to-end platform for asset finance providers – with integrated coverage across origination, contract management, and lease accounting.

SME Banking

SMEs represent a key part of global economies – yet they are highly underserved by their banks. We enable banks to close this gap and serve SMEs with innovative solutions using the latest open and intelligent technology.

  • Embedded finance

    Our platform connects financial institutions with corporates to build frictionless business processes. Leverage pre-built templates and data-driven insights within a SaaS model.

  • Retail banking

    Tailor your offering with ease with a wide selection of ready-to-run solutions made for retail banking. Create a stellar customer experience, launch innovative products and automate operations – all within one composable platform.

  • Commercial banking

    Cater even to the most complex banking needs of businesses: from SMEs to large global corporations. Tap into a wide selection of end-to-end functionalities complete with self-service capabilities.

  • Asset finance

    Leverage our modern end-to-end platform for asset finance providers – with integrated coverage across origination, contract management, and lease accounting.

  • SME Banking

    SMEs represent a key part of global economies – yet they are highly underserved by their banks. We enable banks to close this gap and serve SMEs with innovative solutions using the latest open and intelligent technology.

See how customers are succeeding with SAP Fioneer

A banking platform that’s fast and flexible with less risk

End-to-end coverage

Coverage of end-to-end business processes and lines within one platform. Multiple options for streamlining and outsourcing operations.

Ready-to-run solutions

Our wide selection of pre-configured solutions are built on decades of experience working with over 1200 financial institutions, now available readily in the cloud.

Flexible deployment

Match the right deployment model to your IT and business goals. We enable you to deploy fully managed solutions in the cloud, on premise or seamlessly in a hybrid model.

Real-time and event-based

Use real-time event-based data for hyper-personalization and behavioral finances. Give your customers what they need before they even think about it.

Tap into ecosystem

Unlock the endless possibilities through open APIs. Integrate with best-in-class partner solutions and leverage the entire finance and business ecosystem with our OpenCore.

360° customer experience

Create holistic customer experiences by getting a unified view of your customer, combined with real-time, event-based capabilities, machine learning and artificial intelligence.

Scale to the highest volumes

Proven to handle the world’s largest transaction volumes from scale-ups to global banks. Scale flexibly on cloud to ensure seamless operations through demand spikes.

Global experts on the ground

Our global team brings decades of experience and expertise in banking transformation. We ensure that the technology delivers your desired business outcomes.

  • End-to-end coverage

    Coverage of end-to-end business processes and lines within one platform. Multiple options for streamlining and outsourcing operations.

  • Ready-to-run solutions

    Our wide selection of pre-configured solutions are built on decades of experience working with over 1200 financial institutions, now available readily in the cloud.

  • Flexible deployment

    Match the right deployment model to your IT and business goals. We enable you to deploy fully managed solutions in the cloud, on premise or seamlessly in a hybrid model.

  • Real-time and event-based

    Use real-time event-based data for hyper-personalization and behavioral finances. Give your customers what they need before they even think about it.

  • Tap into ecosystem

    Unlock the endless possibilities through open APIs. Integrate with best-in-class partner solutions and leverage the entire finance and business ecosystem with our OpenCore.

  • 360° customer experience

    Create holistic customer experiences by getting a unified view of your customer, combined with real-time, event-based capabilities, machine learning and artificial intelligence.

  • Scale to the highest volumes

    Proven to handle the world’s largest transaction volumes from scale-ups to global banks. Scale flexibly on cloud to ensure seamless operations through demand spikes.

  • Global experts on the ground

    Our global team brings decades of experience and expertise in banking transformation. We ensure that the technology delivers your desired business outcomes.

Our banking solutions customers benefit from tangible results

3

weeks to launch new product

100%

self-service customer onboarding

25%

increase in average revenue per customer