SBI Launches YONO 2.0 to Drive a New Era of Digital Banking in India

State Bank of India rolls out YONO 2.0, a major digital upgrade with unified banking, enhanced security, simplified onboarding, and a plan to double users to 20 crore.

Pune | 18 December 2025: The State Bank of India has taken a major step in its digital transformation journey with the launch of YONO 2.0, an upgraded version of its flagship digital banking platform. Designed to make banking simpler, faster, and more secure, the new platform reflects SBI’s broader vision of creating a seamless digital ecosystem that caters to the evolving needs of millions of customers across the country.

YONO 2.0 has been rebuilt from the ground up with a strong focus on integration. One of its most significant upgrades is the unification of mobile banking and internet banking into a single, consistent platform. This means customers can now enjoy the same features, interface, and experience across devices, whether they are using a smartphone, tablet, or desktop. The transition between different banking channels has been made smoother, allowing users to begin a transaction on one device and complete it on another without disruption.

At present, SBI’s digital platform serves close to 9.5 crore active users. With YONO 2.0, the bank has set an ambitious target of doubling this number to 20 crore users in the coming years. To support this expansion, SBI plans to strengthen on-ground digital assistance at its branches. Thousands of trained staff members will help customers adopt digital services, address technical issues, and guide them through the platform’s features, ensuring that even first-time digital users feel confident.

Ease of use has been placed at the center of YONO 2.0’s design. The onboarding process has been simplified with streamlined KYC and re-KYC procedures, reducing repeated documentation and saving time for customers who use multiple SBI products. The platform also supports multiple Indian languages, making digital banking more accessible to users from different regions and linguistic backgrounds.

Security enhancements form another key pillar of the upgraded platform. YONO 2.0 introduces stronger authentication systems, including biometric options, along with refined transaction controls. These measures aim to enhance safety while reducing dependency on repeated one-time passwords, thereby offering both protection and convenience. The system has also been optimized to function efficiently in areas with limited network connectivity, improving reliability for users in semi-urban and rural regions.

Beyond routine banking services, YONO 2.0 positions itself as a comprehensive financial services hub. Customers can access savings and current accounts, loans, investments, insurance products, bill payments, and UPI services from a single interface. This integrated approach allows users to manage their financial life more efficiently without switching between multiple apps or platforms.

The upgraded platform also includes tools that promote better financial awareness. Features such as spending insights, personalized product recommendations, and account analytics help customers understand their financial behavior and make informed decisions. A lighter app design ensures faster performance even on older devices, helping bridge the digital divide and support financial inclusion.

From a strategic perspective, the new technology architecture behind YONO 2.0 allows SBI to introduce future services more quickly. The scalable and flexible framework enables easier integration with new digital solutions and partnerships, positioning the bank strongly in an increasingly competitive digital payments and banking landscape.

In conclusion, YONO 2.0 marks a significant milestone in SBI’s digital evolution. By offering a unified platform, improved security, simplified processes, and a broader range of services, the bank aims to redefine how customers experience banking in the digital age. As adoption grows, the platform is expected to play a central role in shaping the future of digital finance in India.

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