Born from SAP. Built for what’s next.

SAP Fioneer was created to rethink how technology powers financial services. We combine the strength of SAP, as our shareholder and strategic partner, with the speed, agility, and industry focus of a fintech. We’re independent. We move fast. And we’re built on decades of SAP expertise and scale. Together, we’re engineering the future of financial services

Not just integrated. Co-created with SAP.

Our foundation is unique, and it’s built to serve financial institutions better:

  • SAP is a shareholder and long-term strategic partner.
  • Our solutions are built on SAP’s proven technology stack, including its finance platform, data architecture, and global cloud infrastructure.
  • We align with SAP’s “Suite First” and “AI First” strategies – and extend them for financial services.
  • We bring deep financial services expertise, and focus 100% on your industry

This isn’t about plugging into SAP from the outside. It’s about evolving the platform from within – for your business.

You get the power of both. No tradeoffs.

With SAP Fioneer, financial institutions don’t have to choose between stability and innovation.

  • Enterprise-grade reliability with deep SAP integration
  • Focused innovation from a dedicated FSI product company
  • Flexible deployment depending on your needs
  • Real co-creation with leading banks and insurers shaping what comes next

Whether you’re modernizing your core, building new business models, or integrating AI – we help you move fast and lead with confidence.

The future of financial services runs on intelligent platforms

SAP’s strategic direction is clear: AI-first, data-driven, and seamlessly integrated. SAP Fioneer takes that further – tailoring it to the needs of banks, insurers, and challengers. Together, we’re building the next-generation platform for financial services.

What sets us apart

The best of both worlds

Leverage the best of both worlds. We combine the agility of a startup with the experience of a best-in-class software company.

Lean, future-fit and fast

We deliver a faster time to market and reduced complexity through lean architecture, open APIs and a modular approach.

At your side

We are a global player with expert support on the ground to offer a seamless journey from inception to implementation.

From vendor to partner

Get more than just products off the shelf. We listen to your specific transformation needs and invest in your success.

A safe pair of hands

We have decades of experience in delivering successful digital transformation, never compromising compliance, reliability or scalability.

Investing in your success

We partner closely with you to bring innovation to life. We share the investment, the journey and the success.

Vertical specialists

With a deep understanding of vertical markets, we provide pre-packaged solutions to cover multiple niche industry use cases.

Proven reliability

Our solutions run in hundreds of global finance institution. We don’t just promise reliability, performance and scalability – we deliver it.

  • The best of both worlds

    Leverage the best of both worlds. We combine the agility of a startup with the experience of a best-in-class software company.

  • Lean, future-fit and fast

    We deliver a faster time to market and reduced complexity through lean architecture, open APIs and a modular approach.

  • At your side

    We are a global player with expert support on the ground to offer a seamless journey from inception to implementation.

  • From vendor to partner

    Get more than just products off the shelf. We listen to your specific transformation needs and invest in your success.

  • A safe pair of hands

    We have decades of experience in delivering successful digital transformation, never compromising compliance, reliability or scalability.

  • Investing in your success

    We partner closely with you to bring innovation to life. We share the investment, the journey and the success.

  • Vertical specialists

    With a deep understanding of vertical markets, we provide pre-packaged solutions to cover multiple niche industry use cases.

  • Proven reliability

    Our solutions run in hundreds of global finance institution. We don’t just promise reliability, performance and scalability – we deliver it.