Retail banking solutions made for scale, growth and diversification

SAP Fioneer’s next-gen retail banking solutions deliver real-time, scalable, and personalized customer experiences built on future-proof, modular and AI-driven technology. Designed for agility and growth, they empower banks to adapt quickly, increase wallet share, and drive profitability.

SAP Fioneer is trusted by leading banking institutions around the globe

Tap into an expanding and evolving product library

Current and savings accounts

  • Checking accounts
  • Joint accounts
  • Youth accounts
  • Multi-currency accounts
  • Term deposits
  • Automated savings

Lending products

  • Unsecured loans
  • Student loans
  • Mortgages
  • Buy-Now-Pay-Later
  • Dynamic interest rates

Behavioral banking

  • Predictive insights
  • Balance alerts
  • Spending dashboards
  • Financial education
  • Gamified incentives

Cards and payments

  • Debit and credit cards
  • Virtual cards
  • Single-use cards
  • Cryptocurrencies
  • Instant payments
  • Current and savings accounts

    • Checking accounts
    • Joint accounts
    • Youth accounts
    • Multi-currency accounts
    • Term deposits
    • Automated savings
  • Lending products

    • Unsecured loans
    • Student loans
    • Mortgages
    • Buy-Now-Pay-Later
    • Dynamic interest rates
  • Behavioral banking

    • Predictive insights
    • Balance alerts
    • Spending dashboards
    • Financial education
    • Gamified incentives
  • Cards and payments

    • Debit and credit cards
    • Virtual cards
    • Single-use cards
    • Cryptocurrencies
    • Instant payments

Streamline operational efficiency at scale

  • Achieve market-leading STP rates (straight-through processing) from account opening to loan origination, reducing manual work and unlocking automation, AI, and cost efficiency at scale.

  • Automate tasks, uncover insights from diverse data, and drive value-added activities with smarter decisions supported by native AI capabilities.

  • Choose the deployment option that fits your organizational and growth needs – from on premise, private or public cloud with leading hyperscalers or fully managed SaaS options.

Technology at scale

Proven performance

Built on a robust, enterprise-grade foundation our platform delivers exceptional scalability, reliability and security with 99.99% availability.

Flexible scalability to mass volumes

In live environments our platform is proven to handle over 3,000 TPS, while in lab environments it reached 15,000 TPS and 80 million settlements.

Rapid implementation

True modular architecture allows rapid and flexible implementation of out-of-the-box capabilities with localization templates.

Data-driven and AI-enabled

Leverage native AI capabilities and the world’s most powerful in-memory database to deliver intelligent banking to your teams and customers.

  • Proven performance

    Built on a robust, enterprise-grade foundation our platform delivers exceptional scalability, reliability and security with 99.99% availability.

  • Flexible scalability to mass volumes

    In live environments our platform is proven to handle over 3,000 TPS, while in lab environments it reached 15,000 TPS and 80 million settlements.

  • Rapid implementation

    True modular architecture allows rapid and flexible implementation of out-of-the-box capabilities with localization templates.

  • Data-driven and AI-enabled

    Leverage native AI capabilities and the world’s most powerful in-memory database to deliver intelligent banking to your teams and customers.

“We look to SAP Fioneer to bring innovation into the banking space with scope for us to do some really exciting things together.”

Franck Demoiseau

CIO/CTO at in1bank

Proven results across hundreds of financial institutions

3,000

TPS demonstrated in live client environment

30M+

retail accounts in a single installation

95%

STP rate for retail lending