YONO: The Future of Digital Banking The State Bank of India (SBI) created the ground-breaking digital banking platform YONO, which stands for "You Only Need One.". YONO, which merges numerous services into a single applicyono sbiation, was introduced with the goal of making banking and financial management easier for its users. This platform is a full-fledged financial ecosystem that integrates banking, shopping, investment, & lifestyle services; it is more than just a banking app. Cutting-edge technology is used by YONO to give users a smooth experience that enables them to effectively manage their finances and take advantage of a number of lifestyle advantages.