Financial ServicesCustomer Service

Cómo el State Bank of India Construyó YONO — Una Plataforma Digital de USD 40.000 M para 491 Millones de Clientes

El State Bank of India se asoció con IBM para construir YONO, una plataforma móvil integral que combina servicios bancarios, financieros y un marketplace, logrando 64 millones de descargas y una valoración de entre 40.000 y 50.000 millones de dólares.

Impacto

64 million

Descargas de la aplicación

9 million

Accesos diarios

USD 40-50 billion

Valoración de la plataforma

7+ million

Aperturas de cuentas bancarias

3 months

Entrega del MVP

Desafío

El banco necesitaba modernizar su infraestructura bancaria heredada para atender a 491 millones de clientes con una plataforma digital unificada, reconociendo que el 60% de la población india tiene menos de 35 años y es cada vez más digital.

Solución

Se construyó YONO (You Only Need One) — una plataforma móvil integral que combina banca digital, supermercado de servicios financieros y marketplace en línea usando la metodología IBM Garage, IBM API Connect, IBM Cognos Analytics e IBM Consulting.

Herramientas y tecnologías

Lo que dicen los líderes

Today, YONO has a valuation of USD 40-50 billion built in three years with IBM.

Amit Saxena, Global Deputy Chief Technology Officer, SBI
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Historia completa

El State Bank of India (SBI), el mayor banco del país con 491 millones de clientes, reconoció que el 60% de la población india tiene menos de 35 años y es cada vez más digital. Para atender a esta demografía en evolución, el SBI emprendió una ambiciosa transformación digital para construir YONO (You Only Need One) — una plataforma móvil integral que unificaría banca, servicios financieros y un marketplace en línea en sus 76 unidades de negocio.

Usando la metodología IBM Garage con desarrollo ágil y design thinking, el SBI e IBM entregaron el MVP inicial del marketplace en tan solo 3 meses. La plataforma fue diseñada usando IBM API Connect para la integración de servicios, IBM Cognos Analytics para la inteligencia y IBM Consulting para el soporte de transformación integral.

Los resultados fueron extraordinarios: YONO alcanzó 64 millones de descargas, 9 millones de accesos diarios, más de 10 millones de retiros en cajeros automáticos sin tarjeta, 7 millones de aperturas de cuentas bancarias y 400.000 pólizas de seguro de vida vendidas — todo a través de la plataforma digital. En tres años, YONO alcanzó una valoración de entre 40.000 y 50.000 millones de dólares, convirtiéndose en una de las transformaciones de banca digital más exitosas a nivel mundial.

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