1. SME Digital Banking

2. SME stats https://www.youtube.com/watch?v=z6PYAkXO-bU
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3. SME stats https://www.youtube.com/watch?v=z6PYAkXO-bU
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4. SME stats https://www.youtube.com/watch?v=z6PYAkXO-bU
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5. Digital Banking Platform
Existing platform as a “service channel”
Account information and details
Payment transactions
Document transferring
Defining platform as a “sales pipeline channel”
Acquisition of new and existing clients through already available channel
Predefined product catalog
Vanilla scoring model
Video Call module - Business advisory
Added value for Bank and Clients
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6. SME Portfolio segmentation
Micro and Small Enterprise
Simple financial needs
Tailored made products
Short-term loans for working capital
Questionnaire without bank terminology
Medium Enterprise
More complex financial needs
Custom products
Advanced process and questionnaire
Client select terms and conditions
Business advisory through Video Call module
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7. Small Enterprise - Concept „eligible for amount“
Client get preapproved amount of short-term loans
Based on historic data for existing clients
Simple questionnaire for new clients
How many years Company exist
Yearly turnover
Monthly regular revenue
Total asset
Tailored made simple products
% of monthly revenue for predefined period- Preapproved overdraft
% of yearly turnover for predefined period- Preapproved loan
Example
Family business
5 employees
Monthly revenue for last 6 months €
You are eligible for overdraft up to 3.000€ . Apply now!
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8. Medium Enterprise - Concept „credit line“
Client get preapproved amount of long –term loan
Based on historic data for existing clients
Advanced questionnaire for new clients
Additional details from P/L and balance sheets
Custom products with threshold
Bank defines parameters (amount, period, tenor)
Client selects details of loans
Credit calculator with indicator
Grace period
Collateral with details (type, estimated value, location)
Preliminary result – vanilla scoring model
Video call available for business advisory
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9. Business Financial Manager- additional features
Cash Flow Analysis
Client can analyze and understand cash flow by tracking historic, actual and forecasted incomes & outcomes
Transaction categorization
Enables clients to visualize expense categories and income sources over a defined date range through a frictionless, intuitive UI.
Financial Planner
Expenditure planner enables the client to define the payment in advance
Budgeting
Helps keep business expenses under control
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