Banca Sistema SpA is an Italy-based commercial bank. The Bank primarily operates within the corporate segment. It specializes in providing factoring services to companies, including factoring with and without recourse, reverse factoring, credit management, value-added tax (VAT) receivables, maturity factoring, as well as receivables certification. Furthermore, its product portfolio comprises: current accounts, time deposits, medium-term loans and a range of guarantees for public bodies, urbanization costs, real estate exchanges, as well as for alternative energy businesses, among others. The Bank offers an online platform to facilitate customers the products management. It also provides a number of services within the retail area, such as savings and current accounts. The Bank operates branches in Italy and the United Kingdom. It operates through Beta Stepstone.