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Creating value for SMEs by creating Ecosystems

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SME Banking Club presentation Dec, 05

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Creating value for SMEs by creating Ecosystems

  1. 1. Creating value for SMEs by creating Ecosystems Roundtable SME Banking Club, December 2019
  2. 2. Online Banking for SMEs - CEE 2019 Study: Online Banking for SMEs. CEE 2019 2 Analysis of 25 banks in the CEE region who work with SMEs
  3. 3. Online Banking for SMEs - CEE 2019 Trends map in Online Banking for SMEs 3 Must-have Advantage Beginning of implementation Experiments Perspective Area Implemented by 70%+ of analyzed banks Noticeably distinguishes service compared to other Implemented by fewer than 30% of analyzed banks Implemented by fewer than 10% Not implemented in the region – • Accounts Balances Overview, History, Statements • Payments in LCY • Payments in FCY • Payment templates • Opening of deposit • Fast payments • FX Module • Possibility to set Main Dashboard • Online chat, Video & Audio calls • Online Loan Applications • Online applications for other main products (cards, cash withdrawal at the branch, POS) • Full credit cycle available online (from application till loan administration) • Pre-approved offers • Integrated POS module – Availability of main services/ scenarios for customers online • Export/Import of payments/ counterparty list, files for customer ERP systems • One Single Sign on for all services/bank platforms • Integrated E-invoicing • Integrated Online Accounting • Integrated BFM module • Direct integration with customers’ internal systems (CRM, ERP) • Business registration via bank website • Integrated E- commerce platforms • Open API • Marketplace/ Platform Banking • Integrated loyalty programs Business Support (Platform) • SMS Authorization • User has the option of choosing authorization method • Online Customer Onboarding • Mobile Authorization of payments • Omni-channel approach – • Behavioral biometrics for sign in KYC, Payment Authorization
  4. 4. Online Banking for SMEs - CEE 2019 Business rationale for banks to provide VAS to SMEs 4 • Each bank must create its own business case and value proposition in a market. Non-financial services (e-invoicing, accounting, BFM) is a part of the value proposition • Cross-selling opportunities. Banks can offer new bundles of packaged services under combinations in which established traditional and new e-invoicing services are deployed together. Factoring and financing solutions contribute to revenues from lending
  5. 5. Online Banking for SMEs - CEE 2019 Business rationale for SMEs to have VAS from banks 5 • Automation of SMEs’ everyday job. Banks are able to integrate e-invoicing with payments in many creative ways. (e-banking, file transfer, authentication and call centre etc.). Due to the growing habit of electronic banking there is an automatic economy of re-use and repetition. This facilitates reconciliation processes and reduced errors. • 50% of SME working hours can be automated. Banks can increase SMEs’ productivity by providing subscriptions and/or connections to productivity tools • Banks can make available invoice financing, factoring and credit enhancement facilities. • Banking channels can meet legal compliance and authenticity/integrity requirements
  6. 6. Online Banking for SMEs - CEE 2019 6 Key trends in the CEE market Creating Ecosystems for SME customers
  7. 7. Online Banking for SMEs - CEE 2019 7 Key trends in the CEE market Creating Ecosystems for SME customers – mBank (Poland)
  8. 8. Online Banking for SMEs - CEE 2019 8 Banking & accounting unified user interface, one click access from OB mBank Integration of VAS Services Online Accounting
  9. 9. Online Banking for SMEs - CEE 2019 9 “Quick invoice” issued in 2 clicks mBank Integration of VAS Services Online Accounting
  10. 10. Online Banking for SMEs - CEE 2019 10 Key trends in the CEE market Creating Ecosystems for SME customers – Santander Bank Polska (Poland)
  11. 11. Online Banking for SMEs - CEE 2019 11 Key trends in the CEE market Creating Ecosystems for SME customers – Santander Bank Polska (Poland)
  12. 12. Online Banking for SMEs - CEE 2019 12 Key trends in the CEE market Creating Ecosystems for SME customers – Santander Bank Polska (Poland)
  13. 13. Online Banking for SMEs - CEE 2019 13 2 Integration of VAS Services Online Accounting Moje ING • Main functionality is available • Self-accounting Online accounting module for entrepreneurs
  14. 14. Online Banking for SMEs - CEE 2019 14 2 Integration of VAS Services Online Accounting Moje ING • e-invoicing module
  15. 15. Online Banking for SMEs - CEE 2019 15 2 Integration of VAS Services Online Accounting ING KsięgowośćOnLine Online accounting module for companies • Wider range of functions • Dedicated accountant
  16. 16. Online Banking for SMEs - CEE 2019 16 2 Integration of VAS Services Online Accounting ING KsięgowośćOnLine • e-invoicing module
  17. 17. WHO WE ARE 400+ event attenders 3000+ unique visitors monthly 7000+ contacts 1400+ email subscribers 500+ Instagram subscribers 400+ Twitter followers LinkedIn subscribers 2000+2700+ Facebook fans Established in 2010 Professional focus on financial services for micro, small and medium enterprises Regional focus on Central & Eastern Europe, CIS and the Caucasus Members include commercial banks; business partners – international financial institutions, IT providers, consultant companies
  18. 18. www.smebanking.club www.smebanking.events WHAT WE DO STUDY REPORTSNEWS AND MAGAZINEANALYTICS CONFERENCES
  19. 19. CONTACT US Olena Gryniuk Regional Director CEE countries +48733404985 cee@smebanking.club

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