About us

CBI S.c.p.a. Benefit Corporation is a fintech serving as an industry utility with over 30 years of experience, that develops digital infrastructures and services for financial institutions (FIs) and payment service providers (PSPs) to enhance their transaction banking, digital payments, open banking, and open finance offerings; services that CBI customers, banks and fintechs, ultimately extend to a wide set of clients, responding  efficiently and effectively to the  needs of business, Public Administrations and citizens in an increasingly competitive market.  

CBI is a public limited consortium company comprising 250 banks and other intermediaries as shareholders and has been placed under oversight of the Bank of Italy pursuant to Article 146 T.U.B. and therefore obligated to comply with the measure "Provisions on the supervision of payment systems and technological or network instrumental infrastructure" of November 9, 2021 as a "Critical infrastructure or service provider".

Since the 1990s, the Italian banking sector, under the leadership of the Associazione Bancaria Italiana - ABI (Italian Banking Association), has been a pioneer in the process of creating interbank ecosystems.  CBI is a tangible and rewarding testament to this, still driving innovation and the creation of collaborative ecosystems in response to the ever faster and more competitive demands of the payments market.

The creation of interbank ecosystems promotes innovation, by sharing rules, standards and common business models in self-regulation, to ensure reachability and interoperability among all of the players in the ecosystem. This allows each player in the ecosystem to use the shared, efficient and reliable infrastructure and to offer their customers a high added-value service on a competitive basis, while reducing operating costs.

Based on these guidelines, in 1995 ABI and the relevant commercial banks set up the first interbank agreements to develop the CBI Service for Interbank Corporate Banking. This led to establishing the Association for Interbank Corporate Banking (ACBI) on 19 December 2001, which was followed on 28 May 2008 by Consorzio CBI - Customer to Business Interaction, becoming CBI S.c.p.a. on 26 June 2019. On May 3, 2023, the General Shareholders' Assembly of CBI S.c.p.a. approved the evolution of CBI into a Benefit Corporation.

In order to respond to the changing market scenario, in recent years CBI has always developed service standards and technological infrastructure according to a collaborative logic, to bring together all of the players in the financial ecosystem at a domestic and international level. Payment services and digital information, designed by CBI and offered individually by banks and other intermediaries, make life easier for citizens and companies and facilitate access to PA.

On 2 July 2026, the CIPA Steering Committee approved CBI’s acquisition of the role of Application Centre within SITRAD. SITRAD (System for the Electronic Transmission of Data) enables the electronic exchange of data and information flows among connected participants involved in banking and financial operations. It is an infrastructure based on shared networks and communication standards, as well as on the operation of processing facilities known as Application Centres. These centres are the processing core of the interbank system: they manage the exchange of messages and information flows among operators, ensure their control, security and delivery, establish contractual and technical relationships with System participants and network infrastructure providers, and carry out statistical reporting for the Bank of Italy. With this qualification, CBI joins a select group of entities overseeing the national interbank infrastructure, alongside the Application Centers already operating in the market.

CBI S.c.p.a. Società Benefit has always been committed to promoting a corporate culture focused on safeguarding personal data and sensitive information, ensuring the protection of its information assets in terms of confidentiality, integrity, and availability.

In pursuit of continuous improvement, CBI achieved ISO/IEC 27001:2022 certification in November 2025. This internationally recognized standard for information security guarantees full compliance with regulatory requirements for the protection of information assets.

The certification, issued by CSQA, confirms the reliability, integrity, and resilience of CBI’s infrastructure. 

Learn more about the ISO 27001:2022 standard.