At Santander, we drive transformation through data and artificial intelligence. Our Data & AI teams work to build solutions that optimize decision-making, enhance customer experience, and make banking safer, more efficient, and more human.
AI is our vision and way of bringing it to life
“Artificial intelligence is more than technology; it’s a new way of understanding our customers and envisioning the future. At Santander, we believe in the power of talent to transform data into real impact. Come join us and be part of the change.”
— Ricardo Martín Manjón, Chief Data & AI Officer, Grupo Santander.
Our Responsible AI principles
Our Data and Artificial Intelligence Corporate Framework, approved by the Board of Directors, sets the principles every Data & AI use case is built and operated under. Supervised through a three-lines-of-defence model, with independet oversight proportionate to risk.
01. Transparency. AI systems are designed and operated so users always know when they are interacting with AI - reinforcing informed understanding, autonomy and trust in their use.
03. Accountability. AI systems must comply with industry standards and regulation across their full lifecycle — design, implementation, and monitoring. Clearly defined owners ensure proper functioning and compliance.
05. Contribution to value & well-being. AI must create clear value for customers, employees, and the organisation, while avoiding uses with disproportionate social or political impact.
02. Fairness & bias mitigation . AI must avoid unfairly discriminatory outcomes. Bias mitigation is applied proportionally to risk, considering each system’s purpose and applicable regulation.
04. Privacy, data protection & security. AI use complies with data protection laws, applying data minimisation, anonymisation, and privacy-by-design. Impact assessments and cybersecurity measures safeguard individual rights.
What we are doing with AI
Our Global Data & Artificial Intelligence function is structured around four operational pillars — each one tied to outcomes for the people we serve.
Transforming the customer experience
We integrate AI and advanced automation into the moments that matter — from how a question is answered to how a product is offered, with conversational interfaces that meet people where they are.
Better decisions, with reliable data.
Common standards for the quality, traceability and governance of information from origin through the full lifecycle so AI is used where it improves outcomes for the customer, not only for the bank.
Scaling impact, responsibly.
Analytical models and scalable solutions deployed under a single global standard, in people-led teams that combine data, analytics, technology, risk and compliance from day one.
Invest in our people.
Mandatory responsible-AI training for every employee working with these systems, and a structured upskilling programme so the cultural shift this transformation requires reaches across the Group.
Our impact
AI at Santander: From learning to practical use
Santander is promoting the use of AI through training, internal communities, and a common model to ramp up projects across the Group.
Santander and the CSIC join forces to spearhead research into advanced and responsible AI for the future of banking
Banco Santander and the Consejo Superior de Investigaciones Científicas (Spain’s Council for Scientific Research, or “CSIC”) have signed a partnership agreement to explore future research, innovation and knowledge transfer initiatives in such strategic areas as advanced artificial intelligence and its link to quantum computing, hybrid quantum-AI applications, and other computational capacities.
Santander publishes AI projects under an Open Source licence to ramp up shared innovation
The bank has shared over a dozen of its AI projects under an Open Source licence, enabling developers, researchers and professionals the world over to use this technology free of charge to grow.
Santander turns its AI-first strategy into measurable impact and extends AI access to all 185,000 employees
One year after setting out our ambition to become a data and AI-first bank, artificial intelligence is already helping us improve how we work, serve customers, manage risk and run the bank
Open Source
Some of our work is open to the world. Explore the tools, datasets and models we have made available to the research and developer community.
