SBS
SBS is a Paris-based fintech providing cloud-native SaaS core banking, lending, payments, and digital banking software to 1,500+ financial institutions across 80+ countries, with 70% global auto-finance captive share and a subsidiary of 74Software.
- Company typePrivate
- Founded2012
- HeadquartersCourbevoie, France
- Headcount1,001–5,000
- GTM typeB2B
- OfferingSoftware
What SBS does
SBS is a Paris-headquartered, cloud-native SaaS banking software company serving more than 1,500 financial institutions across 80+ countries. The platform is organized around two anchor suites — SBS Core Banking (with regional variants Amplitude for Africa, SAB for France, and Core MSS for UK mortgages and savings) and SBS Core Lending — both built on a shared multi-tenant AWS serverless architecture called the SBS Financing Platform. Around these cores, SBS offers modular products including Digital Banking Suite (90-day go-live), Payments (11B transactions/year), Open Banking (PSD2/PSD3 with 200+ connectors), Regulatory Reporting (CRR3/DORA/ESG), Asset Finance, Wholesale Finance (dealer floorplan), Crypto Assets (MiCA-compliant), and Digital Branch (UK building societies). The proprietary SBS Data Platform provides a sovereign data foundation that powers the SBS AI Foundation, which embeds generative AI, customer engagement intelligence, and AI assistant capabilities directly into existing banking workflows.
SBS monetizes primarily through enterprise SaaS subscriptions with modular pricing, supplemented by a pay-per-use model for wholesale floorplan financing and partner-led implementation services (e.g., HCLTech). Recurring revenue accounts for 90.9% of product revenue, supporting predictable economics. Customer concentration is highly distributed across retail banks, commercial banks, building societies, asset finance captives, microfinance institutions, and neobanks; named logos include Santander, BNP Paribas, Société Générale, HSBC, Nationwide, Mercedes-Benz Financial Services, Toyota Financial Services, BMW Financial Services, BGFI Bank, NSIA Group, and WesBank. The company holds category-leading share in multiple subsegments: 70% of global auto finance captives, 40% of France's instant payments, 25% of UK mortgages, and 50% of UK building societies.
SBS operates as a subsidiary of 74Software, a Paris-based mission-critical software group that also owns Axway. With approximately 2,800 employees across 50 offices worldwide, the company is led by CEO Eric Bierry and was joined by CMO Adam Shpiro in March 2026 to lead expansion across Europe, Africa, and North America. Reported Q1 2026 revenue was €94.0M with 7.4% organic growth, and the 74Software group reports €277.0M of ARR growing 8.8% annually. SBS has been recognized by Everest Group (Top 50, #8), Forrester (Strong Performer in Digital Banking Engagement), Chartis (five-time RiskTech Credit Lending Operations Leader), Gartner (Market Guide for Banking Payment Hub Platforms), and Omdia (Digital Banking Platforms Leader).
SBS firmographics
Firmographics- Name
- SBS
- Legal name
- SBS
- Website
- https://sbs-software.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- SBS is a Paris-based fintech providing cloud-native SaaS core banking, lending, payments, and digital banking software to 1,500+ financial institutions across 80+ countries, with 70% global auto-finance captive share and a subsidiary of 74Software.
- Ownership category
- akta.pro rank
SBS industry classification
Industry- Product category
- Core Banking Software
- NAICS
- Software Publishers (513210)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
- akta.pro secondary industries
- Digital Banking & Neobank Platforms (BPAMAFAD), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where SBS is headquartered
LocationHeadquarters
- HQ city
- Courbevoie
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
SBS business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Software Subscriptions: SaaS-based subscription model for core banking, lending, and digital banking solutions. Revenue is predominantly recurring with 90.9% recurring revenue of product revenue. Annual Recurring Revenue of €277.0M (group) with 8.8% ARR growth.
- Wholesale Finance Platform: Pay-per-use subscription model for floorplan financing software. Transparent pricing with no hidden fees, accessible for mid-tier and regional lenders.
- Professional Services: Implementation and consulting services through partnerships with system integrators like HCLTech. Migration and system integration support included for enterprise deployments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Pay-per-use wholesale finance platform |
| Subscription | Monthly | Modular regulatory reporting |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
SBS product offering
Product offeringCore offering
SBS provides cloud-native SaaS banking software for core banking, lending, payments, digital banking, regulatory reporting, and asset finance. The platform serves 1,500+ banks and lenders across 80+ countries with flexible deployment options (on-premise, cloud, hybrid).
Product overview
SBS is a global fintech company offering a platform-plus-modules architecture for banks and lenders. The core offerings consist of SBS Core Banking (including Amplitude for Africa, SAB for France, and Core MSS for UK mortgages) and SBS Core Lending, both built on a shared cloud-native Financing Platform. Around these cores, SBS provides a suite of modular products: Digital Banking Suite for customer-facing digital engagement, SBS Payments for payment processing (11B transactions/year), SBS Open Banking for PSD3/embedded finance APIs (1B+ API calls), SBS Crypto Assets for crypto trading and portfolio management, SBS Deposits for account management, SBS Regulatory Reporting for compliance (CRR3, DORA, ESG), SBS Asset Finance for wholesale/floorplan operations (70% of global auto captives), SBS Wholesale Finance as the floorplan servicing platform, SBS Digital Audit for inventory risk management, SBS Portfolio Management for credit risk on Salesforce, and SBS Freehand as the UK #1 asset pricing calculator. SBS AI Foundation embeds generative AI across the entire portfolio, enabling Customer Engagement Intelligence and AI Assistant capabilities. The platform processes 40% of France's instant payments, supports 25% of UK mortgages, and operates across 80+ countries serving 1,500+ financial institutions.
Differentiator
Problem solved
Functional benefit
Brands
- SBS Digital Banking Suite: Comprehensive digital banking platform for mobile-native and web experiences with AI-enhanced customer journeys
- SBS Core Banking
- SBS Core Lending
- SBS Payments
- SBS AI Foundation
- SBS Open Banking
- SBS Asset Finance
- SBS Wholesale Finance
- SBS Deposits
- SBS Regulatory Reporting
- SBS Crypto Assets
- SBS Data Platform
Products and services
- Core Banking
Quantifiable outcome
- 11 billion transactions processed annually
- +9 more outcomes
Companies that use SBS
Customer profileNamed customers34 records
Segments10 records
Ideal customer profiles1 record
SBS technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability8 records
Feature10 records
SBS partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core and supporting.
- BGFI Bank GroupcoreRenewed strategic partnership to deploy SBS Digital Banking Suite across BGFI's enterprise. $13 billion-asset bank headquartered in Libreville, Gabon with 20 subsidiaries in 12 countries. Aligned with BGFI 2030 business plan including $143.6M capital raise. Deployment begins with two pilot subsidiaries before progressive expansion.
- Banque Internationale d'Investissement (BII)corePartnership to support BII's digital transformation following acquisition by Oronte-Enko Capital consortium in August 2025. BII will deploy SBS Core Amplitude and Digital Banking Suite to modernize information systems and strengthen digital banking services in Mauritania.
- Nottingham Building SocietycoreMigration to SBS Core MSS 6.1 system for mortgage and savings platform after more than two decades on legacy technology. New platform offers enhanced performance, expanded compliance capabilities, and modular architecture for progressive rollout of new digital features.
- WesBankcoreNew five-year agreement with WesBank, South Africa's wholesale funder and division of FirstRand Bank Ltd. Upgrade to latest release of SFP Wholesale, cloud-native SaaS asset management platform. Partnership supports WesBank's cloud transformation and strategic expansion in asset finance sector with operations across Southern Africa serving 1,000+ dealers.
- NSIA GroupcoreStrategic agreement to deploy SBP Core Amplitude banking solution across NSIA banking subsidiaries in five African countries. Aims to strengthen regulatory compliance in WAEMU and CEMAC regions, accelerate digitalization, enhance customer experience, and harmonize information systems.
- Vero TechnologiessupportingExpanded partnership to power floorplan financing. New collaborations with Auto Use in US and Soda Capital in Australia. VeroOS platform digitizes floorplan lending operations and automates funding and repayment workflows.
- HCLTechsupportingImplementation partner supporting Nottingham Building Society migration including system integration and testing. Migration completed without compromising quality.
- Financial House S.AcoreCameroonian bank upgraded core banking infrastructure deploying SBS Core Amplitude platform. New platform provides access to 350+ APIs enabling new digital use cases and partnerships while automating manual processes.
- Bank11corePartnership extended for 8 more years with German auto bank Bank11 for asset finance solutions.
- AWScoreAWS powers SBS serverless, event-driven architecture that accelerated product development by 90%. SBS migrated from monolithic per-customer on-premises systems to multi-tenant SaaS platform (SBS Financing Platform) on AWS.
- IBMsupportingIBM partnership for payments solutions, recognized by Gartner in Market Guide for Banking Payment Hub Platforms.
- SalesforcecoreSalesforce powers SBS Portfolio Management, enabling swift customer onboarding, sleek integration for dealers, and service delivery. Built natively on Salesforce for clean user journey and credit decisioning.
- ChainalysissupportingBlockchain analytics partnership for SBS Crypto Assets. Helps banks monitor transactions, manage risk, and ensure compliance with evolving crypto regulations.
- WydensupportingInstitutional-grade digital asset trading partnership for SBS Crypto Assets. Enables execution and order management, seamless connectivity to exchanges, custodians, and liquidity providers.
- FireblockssupportingEnterprise-grade digital asset infrastructure partnership for SBS Crypto Assets. Enables high-speed custody and wallet operations with MPC technology and automation.
- Sopra SteriasupportingTechnology partner contributing to SBS crypto banking ecosystem.
- WerocoreWero digital wallet under European Payments Initiative integrated into SBS platform. SBS powers Wero transactions in real-time, supporting next-generation digital payments and embedded finance services.
- AdvanscorePartnership for core banking modernization across Advans operations in Africa, including successful migration in Nigeria.
- NSIA GroupcoreFrance-based NSIA Group implementing SBP Core Amplitude banking solution across subsidiaries in five African countries for improved regulatory compliance, digitalization, and operational efficiency.
Scale indicators20 records
Recent moves6 records
Expansion highlights6 records
SBS competitors and assessment
Company assessmentDirect peers
- Thought Machine: Thought Machine provides cloud-native core banking technology (Vault) to challenger and incumbent banks. It competes directly with SBS Core Banking and Digital Banking Suite, particularly in modern, cloud-first deployments.
- Temenos: Temenos is a leading cloud-native core banking and digital banking SaaS provider serving banks globally, with a comparable modular product suite (core banking, digital engagement, lending, payments). It is SBS's most direct competitor across Tier 1 and Tier 2 banks, including competing for the same RFPs.
- Mambu: Mambu is a SaaS core banking platform serving neobanks and incumbents with composable banking architecture. It overlaps with SBS in lending, deposits, and digital banking offerings, especially for fintech and digital-native clients.
- Backbase: Backbase offers a digital banking engagement platform that competes directly with SBS Digital Banking Suite. Both target banks seeking to modernize customer-facing digital experiences with composable architecture.
- nCino: nCino provides cloud-based banking software focused on lending, onboarding, and account opening. It competes with SBS Core Lending and Digital Banking Suite, particularly in commercial lending and digital onboarding.
Broad incumbents
- Infosys Finacle: Infosys Finacle is a broad banking software platform covering core banking, digital channels, and lending, serving large banks globally. It is comparable to SBS in emerging markets and among large incumbent banks seeking end-to-end modernization.
- Finastra: Finastra is a large incumbent financial software vendor offering core banking, lending, treasury, and payments solutions to banks worldwide. It is comparable to SBS across the full banking software stack, particularly at larger incumbent institutions.
- FIS: FIS is a global incumbent financial technology provider with broad core banking, payments, lending, and digital banking capabilities (including the former SunGard and Worldpay assets). It competes with SBS across multiple product lines at large incumbent banks.
- Oracle Financial Services: Oracle Financial Services offers banking, lending, and regulatory reporting software used by large global banks. It competes with SBS in core banking, regulatory reporting, and analytics, particularly at Tier 1 institutions.
Emerging players
- 10x Banking: 10x Banking provides cloud-native core banking technology, competing with SBS Core Banking primarily at challenger banks and Tier 1 institutions undertaking greenfield core replacement projects.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
SBS social profiles
Digital presenceSBS compliance and trust
Trust signalCompliance7 records
SBS financial estimates
Financial estimateRevenue estimate
Valuation estimate
SBS leadership team
Management profileNumber of profiles
Profiles3 records
SBS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SBS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SBS
What does SBS do?
SBS provides cloud-native SaaS banking software for core banking, lending, payments, digital banking, regulatory reporting, and asset finance. The platform serves 1,500+ banks and lenders across 80+ countries with flexible deployment options (on-premise, cloud, hybrid).
Is SBS a public or private company?
SBS is a private company. It is classified as corporate owned and is currently operating.
When was SBS founded?
SBS was founded in 2012. It employs 1,001 to 5,000 people.
Where is SBS based?
SBS is headquartered in Courbevoie, France, in the Europe region.
How does SBS make money?
Three revenue lines are on record. Software Subscriptions are the primary driver. The others are wholesale Finance Platform and professional Services.
Who are SBS's main competitors?
Direct peers on record are Thought Machine, Temenos, Mambu, Backbase and nCino. Broad incumbents are Infosys Finacle, Finastra, FIS and Oracle Financial Services. 10x Banking is listed as an emerging player.
Does SBS have an API?
Yes. SBS offers an Open Banking Platform with 200+ low-code/no-code connectors and pre-built APIs supporting PSD2, PSD3, and PSR compliance standards. The platform includes 75+ ready-to-use integrations, a developer portal with sandbox, and API governance tools. It supports 1B+ API calls executed and Berlin Group NextGenPSD2 standards. The platform enables open banking, embedded finance, and ecosystem integration use cases, with API marketplace for third-party developer access and self-onboarding. Developer documentation is at sbs-software.com/open-banking.
What industry is SBS in?
SBS's product category is Core Banking Software. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts), with a secondary code of BPAMAFAD, Digital Banking & Neobank Platforms. Its NAICS code is 513210 and its SIC code is 6199.