State Bank of India (SBI) on Wednesday unveiled a suite of AI-powered digital journeys, whereby new customers can open a Savings Account along with a Demat and Trading Account on its digital banking app “YONO”, integrated its Trade Finance suite into the mobile platform “YONO Business” and introduced an Agentic AI-powered virtual assistant “YONO Ji”.The aforementioned digital journeys, aimed at strengthening both retail and business banking by delivering seamless, intelligent and future-ready banking experiences for over 53 crore customers, were unveiled on the occasion of the Bank’s 71st Bank Day.New customers can now open a Savings Account on YONO along with a Demat and Trading Account with SBICAP Securities Ltd through a single 3-in-1 digital onboarding process, per a statement issued by India’s largest bank.Eligible customers can also seamlessly convert their Savings Account into a Corporate Salary Account or upgrade an existing salary account online, eliminating the need to visit a branch.The Bank has incorporated “Financial Fitness”, a financial well-being score, on YONO that provides an integrated view of accounts, loans, investments, insurance and spending patterns, along with personalised insights to help customers make more informed financial decisions.It also introduced a “Sustainability Journey” on YONO, enabling customers to track the carbon emissions saved through digital banking transactions and monitor a monthly Green Score.The Bank has integrated its Trade Finance suite into the mobile platform “YONO Business”. Corporate and MSME customers can now securely view, track and authorise Inland, Import and Export Trade Finance transactions from anywhere.This will deliver faster decision-making, enhanced operational efficiency and end-to-end visibility across the trade finance lifecycle.SBI also introduced “YONO Ji”, an Agentic AI-powered virtual assistant available 24x7 across YONO Business web and mobile platforms. This aims to provide instant guidance on products, platform features and service-related queries, enabling faster and more personalised customer assistance.Challa Sreenivasulu Setty, Chairman, SBI, said: “Today’s launches reflect our commitment to harnessing Artificial Intelligence, digital innovation and data-driven insights to make banking simpler, smarter and more accessible.“From financial wellness and sustainable living to AI-powered business banking and mobile trade finance, we are creating integrated digital ecosystems that support India’s growth journey towards Viksit Bharat 2047.”Published on July 1, 2026