SBI expands AI-powered banking with smarter digital services for retail and business customers
SBI AI-powered banking has taken a major leap forward as the country's largest public sector bank unveiled a series of intelligent digital solutions to enhance customer experience across retail and corporate banking. Announced on the occasion of the bank's 71st Foundation Day, the latest upgrades focus on artificial intelligence, seamless digital onboarding, sustainability and business banking innovation, reinforcing SBI's vision of creating a smarter and more accessible banking ecosystem for its over 53 crore customers.
SBI introduces smarter digital journeys on YONO
State Bank of India has expanded the capabilities of its flagship YONO platform by introducing several new digital journeys aimed at making everyday banking quicker and more convenient.
One of the biggest additions is a 3-in-1 digital onboarding process, allowing new customers to open a savings account, demat account and trading account with SBICAP Securities Ltd in a single online journey. The integrated process removes the need for multiple applications and significantly simplifies account opening.
Existing customers have also received a boost. Eligible users can now convert their regular savings account into a Corporate Salary Account or upgrade an existing salary account online without visiting an SBI branch.
Industry-first green banking feature launched
In a first-of-its-kind initiative, SBI has introduced a sustainability-focused feature on the YONO app that encourages environmentally responsible banking habits.
Customers can now view the estimated carbon emissions saved by choosing digital banking services over traditional paper-based transactions. The platform also generates a monthly Green Score, enabling users to track their contribution towards sustainable living while managing their finances digitally.
The initiative reflects SBI's growing emphasis on combining financial services with environmental awareness.
Business banking receives a major AI upgrade
SBI has also strengthened its business banking platform with a significant expansion of eTrade on YONO Business.
The bank has integrated its complete Trade Finance suite into the mobile platform, allowing businesses to access trade-related banking services directly from their smartphones. The move is expected to improve convenience for enterprises by making trade finance more accessible and efficient.
YONO Ji : SBI's new AI-powered virtual assistant
A key highlight of the announcement is the launch of YONO Ji, an Agentic AI-powered virtual assistant designed specifically for YONO Business users.
Available round the clock on both the web and mobile versions of YONO Business, the AI assistant helps customers by:
The virtual assistant is expected to improve customer interactions while reducing response times for business banking users.
SBI reaffirms its technology-first vision
Speaking during the launch, SBI Chairman CS Setty said the bank remains committed to building a customer-centric institution powered by advanced technologies such as Artificial Intelligence and data-driven innovation.
He noted that the newly launched services are designed to simplify banking, improve accessibility and create integrated digital ecosystems that support financial wellness, sustainable living and business growth. These initiatives also align with India's long-term development vision under the Viksit Bharat 2047 mission.
YONO continues to power SBI's digital growth
SBI's digital transformation continues to gather momentum through the YONO platform, which now has more than 10 crore registered users out of the bank's customer base of over 53 crore.
With AI-powered assistance, paperless account opening, mobile trade finance and sustainability tracking now integrated into the platform, SBI is positioning YONO as a comprehensive digital banking ecosystem for both individual customers and businesses.
SBI introduces smarter digital journeys on YONO
State Bank of India has expanded the capabilities of its flagship YONO platform by introducing several new digital journeys aimed at making everyday banking quicker and more convenient.
One of the biggest additions is a 3-in-1 digital onboarding process, allowing new customers to open a savings account, demat account and trading account with SBICAP Securities Ltd in a single online journey. The integrated process removes the need for multiple applications and significantly simplifies account opening.
Existing customers have also received a boost. Eligible users can now convert their regular savings account into a Corporate Salary Account or upgrade an existing salary account online without visiting an SBI branch.
Industry-first green banking feature launched
In a first-of-its-kind initiative, SBI has introduced a sustainability-focused feature on the YONO app that encourages environmentally responsible banking habits.
Customers can now view the estimated carbon emissions saved by choosing digital banking services over traditional paper-based transactions. The platform also generates a monthly Green Score, enabling users to track their contribution towards sustainable living while managing their finances digitally.
The initiative reflects SBI's growing emphasis on combining financial services with environmental awareness.
Business banking receives a major AI upgrade
SBI has also strengthened its business banking platform with a significant expansion of eTrade on YONO Business.
The bank has integrated its complete Trade Finance suite into the mobile platform, allowing businesses to access trade-related banking services directly from their smartphones. The move is expected to improve convenience for enterprises by making trade finance more accessible and efficient.
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YONO Ji : SBI's new AI-powered virtual assistant
A key highlight of the announcement is the launch of YONO Ji, an Agentic AI-powered virtual assistant designed specifically for YONO Business users.
Available round the clock on both the web and mobile versions of YONO Business, the AI assistant helps customers by:
- Answering product-related questions instantly
- Guiding users through platform features
- Resolving service-related queries
- Providing faster and more personalised customer support
The virtual assistant is expected to improve customer interactions while reducing response times for business banking users.
SBI reaffirms its technology-first vision
Speaking during the launch, SBI Chairman CS Setty said the bank remains committed to building a customer-centric institution powered by advanced technologies such as Artificial Intelligence and data-driven innovation.
He noted that the newly launched services are designed to simplify banking, improve accessibility and create integrated digital ecosystems that support financial wellness, sustainable living and business growth. These initiatives also align with India's long-term development vision under the Viksit Bharat 2047 mission.
YONO continues to power SBI's digital growth
SBI's digital transformation continues to gather momentum through the YONO platform, which now has more than 10 crore registered users out of the bank's customer base of over 53 crore.
With AI-powered assistance, paperless account opening, mobile trade finance and sustainability tracking now integrated into the platform, SBI is positioning YONO as a comprehensive digital banking ecosystem for both individual customers and businesses.
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