SAP Omnichannel Banking (OCB)

Intelligently engage with your customers anytime, anywhere through channels and/or APIs.

Comprehensive Business Capabilities

  • Online Banking, Mobile Banking, Mobile Money (Wallet) solutions for Retail / SME and Corporate Banking.
  • Robust self-service features that power out-of-the-box channel applications for Customers and Bank staff.

Open Banking Development Platform

  • Certified on SAP Cloud Platform; can be deployed on other hyperscaler cloud providers.
  • Open API architecture (> 850 exposed APIs) supports third party business services and partner / Fintech integration.
  • Industry-standard technologies (e.g. OData, REST, OSGI).
  • Easily extensible and scalable platform architecture, including Form Designer module.


  • Out-of-the-box integration with Banking Services, Payments Hub, and SAP Commerce & Marketing.
  • Product Configurator.
  • Key touchpoint for Qualtrics XM.

Responsive UX Design

  • HTML5 based Retail, SME and Commercial UX for online, mobile, and tablet.
  • Design based on Google Material Design principles.
  • Separation of business logic from UI layer: easier and more flexible UX modifications.
  • Customer Experience Manager for easy Bank-driven UX customizations.

Ready to Use Mobile App Templates 

  • Out-of-the-box mobile source code allowing Bank to create downloadable Retail and Business mobile apps for the Apple and Android app stores.
  • Unified hybrid templates for consistent UX across Retail and Commercial Banking mobile apps.

Customer Experience Manager

Bank employee with Designer job type / role can manage customer experience across banks and market segments, as well as adapt the following elements of the application for customers in specific bank, market segments, service

Changes can be published in real-time to Staging, QA and Production landscapes.

Process is driven by Bank employee / Customer Experience Designer through UI; no coding, technical or programming knowledge required.

Platform Capabilities

sap ocb

Modular Architecture

sap ocb architecture