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The digital offering through the Openbank brand is underpinned by Santander’s own proprietary technology that will ultimately be rolled out across its Retail & Commercial Banking global business.
The United States becomes the first country in which Santander is combining its core banking infrastructure, known as Gravity, with its award-winning customer interface, ODS.
By blending these systems Santander is simplifying products, improving customer experience and reducing costs.
The Openbank digital banking platform is now available nationwide, and will begin offering additional products, such as Certificates of Deposit (CDs) and Checking Accounts, later in 2025.
Global Perspectives
Simpler, faster, and more efficient: the technology boosting Santander’s customer experience
"The bank’s proprietary technology platforms–Gravity and ODS–elevates the service offerings to new heights", says David Chaos, Retail & Commercial Head of T&O and Group Deputy Chief Operating and Technology Officer.
7 ways in which Gravity is transforming the bank
Gravity is Santander’s home-grown digital cloud-native core banking platform and software that enables the transition of core banking from the mainframe to the cloud.
Santander's US expansion: Openbank and the next growth ambition
Santander has made a significant step forward in its US strategy with the launch of Openbank, its fully digital banking brand.
Transformation Pillars
Simplify our product offering
Having the best products at the best prices and with a frictionless digital experience
Automate processes and increase self-service
Make our services faster, more effective and cheaper for a better customer experience
Deploying our own cutting-edge technology
Fully leverage the power of the group across our markets through a global platform
Santander Facts & Figures
customers in Europe and the Americas*
amount Gravity has saved the group since 2022
in US Auto
Openbank’s customer base annual growth since 2017
total allocated to technology in 2024 including IT spending and investments
customers in Europe and the Americas*
amount Gravity has saved the group since 2022
in US Auto
Openbank’s customer base annual growth since 2017
total allocated to technology in 2024 including IT spending and investments
*Data as of December 2024
