S-Pankki (S-Bank) is a Finnish retail bank and wealth manager owned by SOK Corporation and the S-Group. It offers banking and retail services, combining convenience and benefits for customers. Services include accounts, cards, online banking, and mobile banking via the S-mobiili app. The target audience is primarily S Group co-op members. The unique selling proposition is integrating banking with retail services, providing ease and benefits to customers through its affiliation with the S-Group, making financial management more accessible and rewarding for its members[1][2][3].