Trends and innovations in SME Banking. The presentation from MENA SME Banking Club Conference, 8 December 2016. Done by Andrey Gidulyan

1. Global SME Banking
MENA SME Banking Conference 2016. Cairo, Egypt. 8 December 2016
Trends and innovations in SME banking
Andrey Gidulyan
Founder at SME Banking Club

2. Who we are | SME Banking Club
2
• SME Banking Club was created by Andrey Gidulyan.
• SME Banking Club is organized by bankers for bankers
to exchange information and experiences in the
segments of micro, small and medium-sized
businesses.
• Main regions: CEE, CIS and Caucasus.
• SME Banking Club has representative offices
in Ukraine and Poland.
• Permanent members are commercial banks:
7-8

3. About me | Andrey Gidulyan
• 10 years in Raiffeisen Bank Aval*, there of:
• 2004 – head of credit analysis (regional branch)
• 2006 – head of SME risk management
• 2008 – head of Basel II implementation group
• 2009 – Chief Risk Officer (in act) at Raiffeisen Leasing Aval
• 2010 – head of SME product development
• 2013 till now – CEO & founder at SME Banking Club
* the member of Raiffeisen Bank International AG, Austria

5. CLOUD
COMPUTING
API
INTEGRATION
CROWD
ECONOMY
MOBILE
TECHNOLOGY
SOCIAL MEDIA MILLENIALS
GLOBALIZATION FINTECHS

8. minutes
#1 provider of online working capital, having already extended more than $500 million to more than 320,000 customers
P2P Lending | Kabbage

10. Start Business | Atlas by Stripe

11. Start Business | Atlas by Stripe
Watch video: https://youtu.be/1WxV-ellcKk

12. Facebook has received a license from the central bank
in Ireland to operate as a financial payments service
Online Payments | Facebook

13. THIS IS THE END
“Skyfall”, soundtrack @007
Adele, English singer-songwriter

14. WHAT TO DO?

15. THREATS = OPPORTUNITIES

16. 81% of banks see SMBs as very
important - but that only 43%
believe SMBs see their bank as
a trusted partner
BSCG

17. RUN
FRIEND WITH
FINTECHS
BE SIMPLE
LISTEN VOICE OF
CUSTOMER
BE INNOVATIVE
BE THE SAME
WHEREVER
BE WHERE THEY
PREFER
HELP THEM

18. CASE STUDIES* find more at: www.smebanking.club/innovations

19. Start Business | Alfa Bank (Russia)

20. Big data | BBVA (Spain)
Watch video: https://youtu.be/sLQZ7Ij_VZA

21. P2P lending | Privatbank (Ukraine)

22. International Trade | Santander

23. International Trade | Santander
Watch video: https://youtu.be/mvpIRAgbIN8

24. Facebook Bot | Tochka Bank (Russia)

25. Online Banking | Idea Bank (Poland)

26. Online Banking | Idea Bank (Poland)
Watch video: https://youtu.be/ZLcR3newyVY

27. Online Accounting | mBank (Poland)

28. Toolkit | Saudi Hollandi Bank (Saudi Arabia)

29. Mobile Banking | Mashreq Bank (UAE)

30. Social Responsibility | BNP Paribas (France)
Watch video: https://youtu.be/Yt-hku2e1FM

31. Social Responsibility | First Bank (USA)

32. Help and invest into SMEs and you will
get your money back!