SME Banking

Offer your SME customers bespoke business banking tailored to their needs. With our personalisation and automation tools, you can help them on their growth journey and make the leap from bank to business partner.

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Grow Your Business

Respond to Market Needs Faster

  • Get next-gen products to the customer before the competition
  • Test viability at lower cost and boost product ROI
  • Hit the market 10x faster

Shift from Bank to Business Partner

  • Use a 360 view to offer bespoke SME banking.
  • Build stronger relationships.
  • Win new customers and boost retention by 65%

Shake Up Product Creation

  • Create new products with a self-service builder. No developers needed.
  • Build end-to-end digital processes easily.
  • Slash developer costs by 75%.

Anyone Can Innovate

  • Kick-start inclusive innovation and bring teams together
  • Unleash new ideas in no code environment
  • Empower teams to build for the customer.

Do Digital Better

Innovative Open-Source Technology as a Service

  • Cutting-edge Tech-as-a-Service. Open source on top.
  • Readymade Fintech apps ready to download.
  • Run off the shelf or confirgure to your own spec. Low to No Code

Flexible by Design

  • Available on premise, private and public cloud.
  • Test cloud viability with hybrid.
  • Tap into advanced features like analytics and machine learning.

Flexible to its Core

  • Available on premise, private and public cloud.
  • Test cloud viability with hybrid.
  • Tap into advanced features like analytics and machine learning.

Security and Compliance Piece of Mind

  • Run on Microsoft Azure.
  • Strong authentication mechanisms.
  • Support for data ownership, auditing & anonymization and GDRP compliance

Digital Engagement

Bespoke SME Banking. Because every business is unique.
Each SME is different, so a one-size-fits-all approach won’t fly. But with our Hyper-Personalisation capabilities, you won’t have to worry.

Creating tailored products and journeys around the customer is what we’ll help you achieve. Exceptional customer experiences driven by data-rich insights and enabled by automation.

When you offer bespoke SME banking based on your customers’ growth stage and profile, you’ll help them succeed. Building a deeper, longer-lasting relationship.

Onboarding Made Easy.

Set the tone for a rewarding, long-term business relationship.

Unique Offer: use our Hyper-Personalisation Capabilities to show you understand their needs from the get-go. Impress your business customers with tailored products and a hassle-free journey, whether it’s in-branch, online or at their office.

100% Digital: your customers are busy running a business, so make applying as streamlined as possible with an end-to-end digital process. Just upload some Digital Documents, take a selfie for ID Verification and eSign the contract. Fewer forms filled. No paperwork.

Fully Compliant: tick all the necessary boxes quickly and efficiently. AI-enabled verification processes get to work straight away, checking everything from AML to company KYC. Our Automated Decision tools won’t keep the customer waiting.

Up and Running in Minutes: your newest business customer gets their account details delivered straight to their inbox thanks to our Digital Workflows. With immediate access and a virtual card, they’re good to go. All in less than 10 minutes.

Secured Loans Simplified.

Applying for an asset-backed loan used to be complex. Not any more. Simplify the journey and you can grow the most important one in the relationship with your customer – trust.

Tailored Loans: each business has unique needs. Use data insights and our Personalised Offering capabilities to support your SME customers with tailored loans based on their profiles. Upsell alternatives or cross-sell extras using the same insights. All on the channel of their choice.

Simple Process: impress with a frictionless application process. With integrated data, AI-enabled verification tools, and Digital Workflows, you can create a seamless flow. All the way from company KYC and collateral input to approvals and contract signature.

Automated Risk Analysis: no manual input from underwriters required. Our Risk Engine automates real-time scoring using internal and external data sources. And with Automated Decisions we can approve, reject or route to a human if needed. No waiting around.

Cut Time-to-Cash: credit data and cost details are generated in the Digital Contract, ready for the customer to eSign. Once that’s done, we can get the funds paid out quickly.

Unsecured Loans. Easily Accessed.

Make better decisions, speed up approvals and put money in the hands of your business customers quicker. They’ll thank you for it.

Bespoke Loans: use data-driven customer insights and our Hyper-Personalisation tools to create tailored products. Distribute them omni-channel. Bundle other relevant products and services to set the bar for customer-centric SME lending.

Easy Applications: offer unsecured SME loans through a 100% digital process powered by automation. Use machine learning-enabled OCR to cut down on manual data input and Facial Recognition to speed up ID verification. Make applying for credit a breeze and deliver a memorable customer experience.

Instant Decisions: give your customer the satisfaction of an instant decision based on their profile and the product’s definition. Use our Risk Engine and

Automated Decision tools to automate eligibility checks, calculate scoring, determine risk class and approve or reject in line with your own credit policy rules.

Cash in a Flash: get everything digitally signed and verified at speed with our Digital Doc Management and eSignature tools. Release funds quickly and become the reliable lender your customers turn to when they are in need.

SME Savings. Tailored to the customer.

Tailor your savings offerings to the needs of your customers and make your bank the go-to destination for their deposits.

The Right Account: tap into our Personalised Offering tools to present a savings account that is the perfect fit for an SME at its stage of development. And make it easy to open with a Personalised Journey. Instant access for existing customers with prefilled activation journeys. Simple and straightforward for new customers too. No paperwork. No hassle. Just digital.

Complete Picture: give your business customers total visibility. Let them get a complete picture of their savings and finances with an easy-to-use dashboard. Anytime, anywhere and through any digital touchpoint.

Total Control: SME customers should have the ability to easily manage their savings, so give it to them. Make it convenient and intuitive to customise their accounts and get the most out of their deposits.

Respond to the Market: every business is unique. And needs change in line with the SME life cycle. With evolving data at the core, you can respond to needs in the market by creating new, end-to-end digital savings products.

Build the Future of Digital SME Banking.

Equip your teams with the tools they need to create Hyper-Personalised products and experiences for your customers. Tools that draw on a steady flow of data driven insights by design. Our Customer 360 Engine will give you everything you need. All in one place.

Build and launch new products fast with our Digital Product Factory. Designed for the non-technical. No code needed.

Everything on top of our TaaS platform is open source. Just visit the FintechAppStore, pick a ready-made app and configure it with our intuitive RoboDesigner. And then you’re ready to hit the market.

Customer 360

Customer Digital 360 equips you with everything you need to win and retain SME customers. It’s a powerful suite of Hyper-Personalisation apps that will help you make the shift from bank to business partner.

Single View: harness the power of our Evolutive Data Layer through the Single Customer View App. With Advanced Analytics and multiple data types aggregated around the customer profile, you’ll get deep insight into the needs, preferences and behaviours that will shape your CRM and CX strategies.

Tailored Campaigns: use Customer Persona Mapping and Digital Audience Management tools to segment and profile across your data and create new customer personas and audiences. Our Omnichannel Campaign Engine will empower your teams to target segments as part of campaigns or trigger individual actions based on each interaction.

Personalised Interactions: customer interactions should be bespoke and meaningful. And with our Personalised Content capabilities they can be. An easy-to-use Content Management App gives you everything you need to match your output to customer preferences, from templates to styles. And it all adapts across channels. It’s tailored communications made simple.

Flawless Lead Tracking: never lose a lead between processes, people or silos again. Thanks to our data integration capabilities, you can connect multiple channels and data sources to collect them all in one place. Our Lead Management App, powered by Digital Workflows, will act like your very own robo-dispatcher, routing the right lead to the right team member at the right time.

World-beating Service: equip your teams with cutting-edge Digital Case Management tools and watch them wow your customers with proactive and personalised services across multiple channels. Connect customers with problem-solvers quicker with automated rules-based routing and keep them updated with automated notifications. Your teams can even tap into Single Customer View data for ready insights on sentiment and past behaviours to help them deliver the best service possible.

Digital Product Factory

Our Digital Product Factory is a first for the SME banking industry. An intuitive, easy-to-use self-service product builder. Designed for non-technical teams, it makes innovation open to everyone.

Unleash Your Teams’ Ideas:  give your non-technical teams the tools to create and run the next wave of digital banking products. With the FintechOS Studio toolkit they can build completely new apps or edit the functionality of those available in the FintechAppStore. They can even configure data models in the Business Entities area and define flows using the Digital Workflows Manager. It’s all possible on top of our Innovation Core.

Build Hyper-Personalised SME Banking: use data-driven insights to give your customers products tailored to their needs. Our Digital User Journey Configurator and Dashboard Designer, enabled by our Hyper-Personalisation capabilities, will help them craft exceptional customer experiences.

Slash Development Costs by 75%: build and roll out products instantly across all channels, all without a single line of code. No developers needed. The FintechOS Studio is made up of easy-to-use editors and configuration engines. Perfect for non-technical users. When developers are a must, our Complex Automation Tools can help them cut down on their workload. Any way you look at it, you lower development costs.

Speed up Time-to-Market: launch products up to 10 times quicker.  With our Evolutive Data Layer, Business Automation Engine and Hyper-Personalisaton Capabilities, you can slash time-to-market. Respond to emerging needs first and stay ahead of the competition.

Real-time Risk Analysis

Robust checks and risk analysis are critical for a healthy SME banking balance sheet. That’s why we combine evolutive data, advanced analytics and process automation to carry them out smoothly and efficiently. And we can do it in our Risk Engine or integrate with your core systems. It’s up to you.

Accurate Risk-based Pricing: our Scoring and Pricing Engines will work together to deliver tailored risk-based pricing to fit the customer profile.

Set Your Policy: make simple configurations to our Risk Engine. Set new risk assessment policies and define scorecards, ratings and pre-scoring rules

Data-Rich Analysis: our evolutive model puts data at the core. We connect seamlessly through open API with company registries, credit bureaus, fiscal authorities and other relevant systems to pull in all the data needed to run risk analysis on your SME customers.

End-to-End Automation: automate advanced risk analysis, scoring and rating with our Business Automation Engine. Reduce back office input from underwriting teams.

Reliable Decisions at Speed:  calculate scores and ratings quicker with our Scoring Engine. Use our Automated Decisions tools to improve your customers’ journeys by speeding up approvals and time-to-money.

Digital Core

Think of our digital core as an innovation engine. It’s data-driven and AI-enabled, so it can power the future of digital SME banking.

Built without layers. Everything embedded. All the capabilities you need for endless digital innovation in one system.

Its design means we can collect data to automate operations and create hyper-personalised experiences for your business customers. Fast.

And because we believe in the power of our Technology as a Service platform to transform the way you offer digital banking, we’ve made everything on top of it open source. That’s everything built on top of FintechOS for free. All in.

A Digital Core You Can Bank On

We built it with flexibility, security and data capabilities in mind, so you can rely on our core to drive the next stage of your digital journey.

No Layers

Tiered architecture has had its day, so we decided to do things differently. Our digital core is a resilient and secure environment with data at its centre. And it’s fully geared for continuous change and deployment.

Data at the Core

Data at the Core: data is the lifeblood of better digital banking. That’s why we put it at the core. Our Evolutive, Open Model integrates seamlessly with both internal and external sources. It’s the perfect foundation to support the kind of Advanced Analytics needed to improve customer engagement and succeed in the data-driven future of the industry.

Fast, Flexible and Secure.

Whether you want us to run a single process or an end-to-end digital service, we can do it fast and around your existing tech. Our modular architecture gives us that flexibility. And because our core runs on Microsoft Azure, it’s all done without compromising one bit on security.

Embedded Innovation

all the tech you need to innovate in one system. Evolutive Data Models, Intelligent Process Automation and Embedded AI & Digital Capabilities combine to make up the FintechOS Digital Core. It’s a powerful framework that enables the creation of modern omnichannel apps – highly automated and AI-enabled, open yet secure.