“Can an acquisition-built European core-banking vendor become the AI-embedded platform of choice for 1,500+ banks and lenders globally?”
Founded 2012 as Sopra Banking Software (subsidiary of Sopra Group), SBS grew via serial acquisitions (Cassiopae, SAB, Fidor, APAK, Luminosity, Tieto) to become a Top-10 European fintech / core-banking vendor. In 2024 the company rebranded to SBS and merged with Axway to form 74Software, a mission-critical enterprise software group. Its strategic bet is on AI-embedded core banking and lending software delivered as cloud-native SaaS to 1,500+ financial institutions across 80 countries.
sbs-software.com processes payments through SBS Payments (self-operated).
sbs-software.com's cards are issued through Paymentology on the Visa and Mastercard networks.
sbs-software.com's lending and capital products are provided by SBS Core Lending (in-house), SBS Financing Platform (in-house) and SBS Lending Suite (in-house).
sbs-software.com connects to bank accounts through Tink and Algoan.
sbs-software.com uses SBS Instant Payments (in-house) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 6 layers in sbs-software.com's stack: Payments / PSP (SBS Payments (self-operated)); Card issuing (Paymentology); Card network (Visa and Mastercard); Lending (SBS Core Lending (in-house), SBS Financing Platform (in-house) and SBS Lending Suite (in-house)); Open banking (Tink and Algoan); FX & payouts (SBS Instant Payments (in-house)).
sbs-software.com is founded in 2012 and headquartered in Paris, France (1 bis place de la Défense, 92400 Courbevoie).
sbs-software.com's acquisitions include Luminosity (2022), Fidor Germany (2021), SAB (2020), APAK (2018), Cassiopae (2016), C&W Belgium (2014) and Tieto UK Mortgages & Savings Suite (2013).
Get a read on where your own stack stands against sbs-software.com and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.