SBS

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).

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

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

• Core banking software
• Lending solutions
• Payment processing
• Digital banking platform
• Regulatory reporting

Headquarters

HQ city

Courbevoie

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. 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.
2. 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.
3. Professional Services: Implementation and consulting services through partnerships with system integrators like HCLTech. Migration and system integration support included for enterprise deployments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core 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

Named customers34 records

Segments10 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability8 records

Feature10 records

Partnerships

19 partnerships are on record, tiered core and supporting.

• BGFI Bank GroupcoreStrategic or Co-development Partner · 17 July 2026Renewed 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)coreStrategic or Co-development Partner · 27 May 2026Partnership 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 SocietycoreStrategic or Co-development Partner · 10 April 2026Migration 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.
• WesBankcoreStrategic or Co-development Partner · 7 April 2026New 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 or Co-development Partner · 18 December 2025Strategic 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 TechnologiessupportingTechnology or Integration · 4 December 2025Expanded 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/ SI/ Consulting PartnerImplementation partner supporting Nottingham Building Society migration including system integration and testing. Migration completed without compromising quality.
• Financial House S.AcoreStrategic or Co-development PartnerCameroonian 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.
• Bank11coreStrategic or Co-development PartnerPartnership extended for 8 more years with German auto bank Bank11 for asset finance solutions.
• AWScoreTechnology or IntegrationAWS 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.
• IBMsupportingTechnology or IntegrationIBM partnership for payments solutions, recognized by Gartner in Market Guide for Banking Payment Hub Platforms.
• SalesforcecoreTechnology or IntegrationSalesforce 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.
• ChainalysissupportingTechnology or IntegrationBlockchain analytics partnership for SBS Crypto Assets. Helps banks monitor transactions, manage risk, and ensure compliance with evolving crypto regulations.
• WydensupportingTechnology or IntegrationInstitutional-grade digital asset trading partnership for SBS Crypto Assets. Enables execution and order management, seamless connectivity to exchanges, custodians, and liquidity providers.
• FireblockssupportingTechnology or IntegrationEnterprise-grade digital asset infrastructure partnership for SBS Crypto Assets. Enables high-speed custody and wallet operations with MPC technology and automation.
• Sopra SteriasupportingTechnology or IntegrationTechnology partner contributing to SBS crypto banking ecosystem.
• WerocoreTechnology or IntegrationWero 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.
• AdvanscoreStrategic or Co-development PartnerPartnership for core banking modernization across Advans operations in Africa, including successful migration in Nigeria.
• NSIA GroupcoreStrategic or Co-development PartnerFrance-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

Direct 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

• YouTubeyoutube.com/@SBS-software
• LinkedInlinkedin.com/company/s-b-s

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SBS