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YONO: Transforming Banking and Financial Management In a time when technology is changing every aspect of our lives, the banking industry is not an exception. The State Bank of India (SBI) created the innovative digital banking platform known as YONO, which stands for You Only Need One.. Since its founding in 2017, YONO has worked to meet the various needs of its clients by offering a full range of financial services. For millions of customers throughout India, YONO has established itself as a one-stop shop by combining banking, shopping, and lifestyle services into a single application.