Digital euro: SAP Fioneer brings the second ledger into the core banking platform. Published on: 28 September 2026 Standard software helps financial institutions prepare for digital euro implementation while leveraging existing core banking investments. Walldorf, Germany - September 28, 2026 - As preparations for the digital euro advance across Europe, banks are approaching a critical planning phase. With first issuance targeted for 2029, key technology, operational and investment decisions are increasingly moving into banks' 2027 budget cycles. At Sibos 2026, SAP Fioneer, a leading provider of software solutions and platforms for financial services, is showcasing how financial institutions can prepare for these requirements through its Digital Euro Hub. The standard software provides a standardized approach to digital euro readiness while enabling banks to build on existing technology investments and operating models. The digital euro can be seen as cash in an app. As a digital form of central bank money, it will coexist with commercial bank money and introduce new operational requirements for financial institutions. Banks will need to manage a second ledger for central bank money while maintaining continuous synchronization with customers' existing current accounts. Implications extend beyond payments. Customer onboarding under the one-account-per-citizen rule, wallet management, holding limits, funding and defunding processes all need to operate alongside the current accounts, core banking systems and payment infrastructures that banks already run today. SAP Fioneer's Digital Euro Hub provides a standardized approach to managing these requirements within existing banking landscapes. The solution links digital euro wallets with customers' current accounts and supports capabilities across access, liquidity and transaction management. Covering both the distributing and acquiring side of the digital euro, it connects to and extends the existing core banking and payments infrastructure of banks rather than requiring institutions to replace them. "The digital euro requires banks to integrate a new form of central bank money into their existing technology and operating models," said Dr. Christoph Rösch, Co-CEO Banking at SAP Fioneer. "Our Digital Euro Hub provides a standardized approach to digital euro readiness, allowing banks to focus on implementation and customer experience rather than building and maintaining bespoke infrastructure." By addressing digital euro requirements in a standard software environment, financial institutions can reduce implementation complexity, increase planning predictability and focus resources on areas that differentiate their business. At the same time, they can leverage existing core banking investments while preparing for future regulatory and technical requirements. The Digital Euro Hub will continue to evolve alongside developments in the European regulatory and technical framework, helping banks prepare for digital euro adoption while extending and protecting their existing banking technology landscape. SAP Fioneer is showcasing the Digital Euro Hub at Sibos 2026 in Miami Beach, stand I054, September 28 to October 1. Carlos Figueredo, Global Head of Payments at SAP Fioneer, will speak on "From Concept to Reality: Enabling Banks for the Digital Euro" on Monday, September 28, from 9:00 to 9:30am on Exhibitor Stage 2 (ES2). SAP Fioneer was launched in 2021 as a strategic partnership between entrepreneurial investor Dediq and global technology leader SAP SE to become the leading international digital transformation partner and provider of software solutions and platforms to the financial services industry. With a broad ecosystem of partners, over 1,200 financial services customers and more than 1,500 employees, SAP Fioneer is a global business present in 17 countries across Europe, North and Latin America, Middle East and Asia-Pacific. By combining the speed and agility of a start-up with the proven capabilities of a best-in-class enterprise-grade software company, SAP Fioneer enables banks, insurance companies and challengers to run, transform and grow while meeting their need for speed, scalability, and cost-efficiency through digital business innovation, cloud technology, and solutions that cover banking and insurance processes end-to-end. More news. Find more news flashes and press releases from SAP Fioneer.

SAP Fioneer named finalist for the PAY360 Awards 2026. Published on: 23 September 2026 SAP Fioneer has been shortlisted for the PAY360 Awards 2026, organized by The Payments Association in association with Mastercard. SAP Fioneer's Payment Central has been named a finalist in the category "Best Business Payments Product". This recognition highlights SAP Fioneer's commitment to helping banks modernize business payment operations and deliver value faster. Payment Central is designed for banks looking to address challenges in their business payment processes without embarking on a large-scale transformation program from day one. The solution enables a practical, phased approach that helps financial institutions improve operations while realizing value more quickly. The PAY360 Awards recognize organizations that are driving progress and excellence across the payments industry. Being named a finalist reflects the strength of SAP Fioneer's approach to helping banks transform their payments capabilities and respond to evolving customer expectations. SAP Fioneer was launched in 2021 as a strategic partnership between entrepreneurial investor Dediq and global technology leader SAP SE to become the leading international digital transformation partner and provider of software solutions and platforms to the financial services industry. With a broad ecosystem of partners, over 1,200 financial services customers and more than 1,500 employees, SAP Fioneer is a global business present in 17 countries across Europe, North and Latin America, Middle East and Asia-Pacific. By combining the speed and agility of a start-up with the proven capabilities of a best-in-class enterprise-grade software company, SAP Fioneer enables banks, insurance companies and challengers to run, transform and grow while meeting their need for speed, scalability, and cost-efficiency through digital business innovation, cloud technology, and solutions that cover banking and insurance processes end-to-end. More news. Find more news flashes and press releases from SAP Fioneer.

SAP Fioneer wins two Global Cards and Payments Innovation Awards 2026. Published on: 10 September 2026 SAP Fioneer GmbH is proud to share that SAP Fioneer has won two awards at the Global Cards and Payments Innovation Awards 2026, presented by The Digital Banker. * Best B2C Payments Initiative * Best Payments Solution by a Vendor Both awards recognize SAP Fioneer Payment Central and the value it delivers to financial institutions. The Best B2C Payments Initiative award highlights how the platform helps banks meet growing customer expectations for instant 24/7 settlement, payment transparency and protection against misdirected payments, without the need for large-scale platform replacement. The Best Payments Solution by a Vendor award recognizes the platform's ability to support major payment rails on a single ISO 20022-native foundation. SAP Fioneer Payment Central serves retail, business and corporate banking, processing up to 30 million transactions per day while helping banks reduce the cost and complexity of managing multiple legacy systems. SAP Fioneer was launched in 2021 as a strategic partnership between entrepreneurial investor Dediq and global technology leader SAP SE to become the leading international digital transformation partner and provider of software solutions and platforms to the financial services industry. With a broad ecosystem of partners, over 1,200 financial services customers and more than 1,500 employees, SAP Fioneer is a global business present in 17 countries across Europe, North and Latin America, Middle East and Asia-Pacific. By combining the speed and agility of a start-up with the proven capabilities of a best-in-class enterprise-grade software company, SAP Fioneer enables banks, insurance companies and challengers to run, transform and grow while meeting their need for speed, scalability, and cost-efficiency through digital business innovation, cloud technology, and solutions that cover banking and insurance processes end-to-end. More news. Find more news flashes and press releases from SAP Fioneer.