SBS
French core banking and lending software for banks and building societies, with 250+ modules and a path to a modular cloud-native core
Quick Overview
| Company | SBS |
|---|---|
| Category | Core Banking Software |
| Headquarters | Courbevoie (registered in Annecy), France |
| Founded | Not stated |
| EU Presence | Yes - France (EU) |
| Data Location | Not stated on the website |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | Flexible deployment (details not stated) |
| Main Features | Core banking with 250+ modules, digital engagement, payments, cards, open banking, deposits, regulatory reporting, core lending, asset finance, wholesale financing, data and AI platform |
| Pricing | Pricing on request |
| Best For | Banks and building societies modernising a core domain by domain |
| Replaces | Fiserv, FIS, Jack Henry |
Detailed Review
The SBS site describes a core that gives stability across deposits, lending, savings and payments, then supports a progressive shift to a modular, API-first, cloud-native core. Banks can modernise by domain and run new and legacy systems side by side.
The terms of use state SBS has share capital of EUR 161,866,820, is registered at the Annecy trade and companies register under number 450 792 999, with headquarters at 1bis place de la Défense, Courbevoie. The footer says SBS is part of 74Software.
Regional Cores Under One Brand
The site names Core Amplitude for North, Central and West Africa, the Core Mortgage and Savings Suite in the UK and Core SAB in France. Segments include retail, corporate, private, microfinance, investment, Islamic and mortgage and savings institutions.
Banking and Lending Lines
Beyond the core, the banking range covers digital engagement, payments, cards, open banking, deposits and reporting, and the lending range covers asset finance, wholesale financing, portfolio management and asset audit.
Group Context
SBS is part of 74Software, so a buyer deals with a unit of a larger software group. The site also says its AI runs on a sovereign data foundation, without further detail.
Limitations to Consider
Pricing is not published, and the site gives different client counts on different pages, so treat its numbers with care. Several regional cores sit under one name, so the product a bank gets depends on its market. Deployment options are described only as flexible. A cloud-native newcomer such as Skaleet has a simpler story for a greenfield project.
Who Should Use SBS
Banks, mortgage lenders and building societies that want an established French vendor and a staged path away from a legacy core.
Pros and Cons
Pros
- 250+ modules in the core
- Staged move from legacy to modular
- Lending and asset finance products included
- Registered French company data published
- Regional editions for UK, France and Africa
Cons
- No public pricing
- Inconsistent client figures on site
- Product depends on regional edition
- Part of a larger group
Alternatives to SBS
Other European core banking software worth comparing before you decide:
Thought Machine
United Kingdom · Cloud-native core ledger and payments with a configuration layer
Mambu
Netherlands · Composable SaaS core for lending, deposits and payments
Skaleet
France · Modular SaaS core banking on EU-based private cloud
10x Banking
United Kingdom · SaaS core for banks, mutuals and lenders with AI migration tools
See all European core banking software or compare them directly against Fiserv on our alternatives page.
Frequently Asked Questions
The footer states that SBS is part of 74Software, a software group.
Core Amplitude for Africa, Core Mortgage and Savings Suite for the UK and Core SAB for France.
The vendor says banks can modernise by domain and run new and legacy systems side by side.