Small Medium Enterprises (SME) Banking – Thematic Intelligence

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SME Banking Theme Analysis Report Overview

Many new digital banks capitalized on the pandemic to dramatically increase small- and medium-sized enterprise (SME) lending and account penetration. SMEs typically have complex, variable, and evolving needs, which are difficult to meet by a single provider all the time. Additionally, e-commerce platforms and accounting software providers offer extensive SME support to enable open ecosystems.

The SME Banking thematic intelligence report provides a briefing on the theme with a detailed analysis of market opportunity, and factors driving its development and adoption. The report also presents key technology, macroeconomic, and regulatory trends impacting the theme.

SME Banking - Key Trends

The main trends shaping the SME banking theme over the next 12 to 24 months are classified into three categories: technology trends, macroeconomic trends, and regulatory trends.

  • Technology trends: The key technology trends impacting the theme are lending automation, increased volume and variety of data types, machine learning algorithms, real-time data enabling lending innovation, dashboard views and helpful cashflow features, business support functions, control of ecosystem, embedded finance, ongoing fraud and cyber risk, and big tech lenders.
  • Macroeconomic trends: The key macroeconomic trends explained in the report are the impact of the pandemic on SMEs, an increase in the number of SMEs due to the pandemic, global unbanked as an SME opportunity, and SME wellbeing.
  • Regulatory trends: Regulatory inducements, payments firms and lending firms, data privacy, transparent lending decisions, open banking, buy now pay later (BNPL), and International Financial Reporting Standards (IFRS) are a part of the regulatory trends impacting the SME banking industry.

For more insights on key trends impacting the SME banking industry, download a free report sample

SME Banking - Industry Analysis

Most small business owners who stated they were self-employed or started their own businesses in the last two years use their personal accounts as their primary business accounts. Undoubtedly, this is partly because incumbent banks have not historically built out enough dedicated features to warrant opening separate accounts, and for many SME owners their personal and business lives are closely interrelated. However, digital banks are slowly gaining market share as they are either primarily focused on SMEs or significantly focused on SMEs, from launch and/or soon after.

The SME banking industry analysis also covers:

  • Mergers and acquisitions
  • Timeline

SME Banking - Value Chain Analysis

The SME banking value chain consists of four segments: idea, launch, grow, and ongoing management.

Idea: The idea phase covers the early stages of thinking about starting a business, and what that business might be. Reaching consumers at this early stage presents the maximum opportunity to form a long and lasting relationship with that business, by offering them tips, advice, and guidance on how to avoid common pitfalls for startups and think through what starting a business will entail.

SME Banking Value Chain Analysis

SME Banking Value Chain Analysis

For more insights into the SME banking value chain, download a free report sample

Leading SME Digital Banks

Some of the leading digital banks associated with the SME banking theme:

  • 11Onze
  • Allica
  • Aspire

Leading Incumbent Banks

Some of the leading incumbent banks associated with the SME banking theme:

  • Barclays
  • BBVA
  • DBS

To know more about the leading digital banks and incumbent banks, download a free report sample

Retail Banking Sector Scorecard

At GlobalData, we use a scorecard approach to predict tomorrow’s leading companies within each sector. Our sector scorecard has two screens: a thematic screen and a valuation screen.

  • The thematic screen ranks companies based on overall leadership in the 10 themes that matter most to their industry, generating a leading indicator of future performance.
  • The valuation screen ranks our universe of companies within a sector based on selected valuation metrics.

Retail Banking Sector Scorecard – Thematic Screen

Retail Banking Sector Scorecard – Thematic Screen

To know more about the sector scorecards, download a free report sample

SME Banking Market Overview

Report Pages 35
Regions Covered Global
Key Trends Technology Trends, Macroeconomic Trends, and Regulatory Trends
Value Chains Idea, Launch, Grow, and Ongoing Management
Leading SME Digital Banks 11Onze, Allica, and Aspire
Leading Incumbent Banks Barclays, BBVA, and DBS

Reasons to Buy

  • Understand key technology, macroeconomic, and regulatory trends impacting SME banking.
  • Identity priority application areas for SMEs in the banking space, as well as the vendors and banks delivering these experiences to end users.
  • Access case study insight on the leading players within the SME banking theme.

Tinkoff Bank
Capital One
Danske Bank
Credit Agricole
Nova Credit

Table of Contents

Executive Summary

Related reports

Report type



• Technology trends

• Macroeconomic trends

• Regulatory trends

Industry Analysis

• Mergers and acquisitions

• Timeline

Value Chain

• Idea

• Launch

• Grow

• Ongoing management


• SME digital banks

• Incumbent banks

Sector Scorecards

• Retail banking sector scorecard

Further Reading

Our Thematic Research Methodology

About GlobalData

Contact Us

Frequently asked questions

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