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 the way to make it happen
Artificial intelligence is not just technology: it’s a new way to understand our customers and anticipate the future. At Santander, we believe in the power of talent to turn data into real impact. Join us and be part of the change.”
— Ricardo Martín Manjón, Chief Data & AI Officer, Santander Group.
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 data quality, traceability, and governance from origin through 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 business-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
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
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
The macroeconomic effects of artificial intelligence
Artificial intelligence (AI) is poised to transform economies, but history suggests its effects will be neither immediate nor uniform.
New Strategies for New Times: How Banks Can Stay Ahead
According to @McKinsey, banks must prepare for a new growth curve. Strategic precision —the ability to combine technology, capital discipline, and deep customer insight— will distinguish the leaders from the laggards.
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.
