SME Banking Club presentation Dec, 05

1. Creating value for
SMEs
by creating
Ecosystems
Roundtable
SME Banking Club, December 2019

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. 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. 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. 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. Online Banking for SMEs - CEE 2019 6
Key trends in the CEE market
Creating Ecosystems for SME customers

7. Online Banking for SMEs - CEE 2019 7
Key trends in the CEE market
Creating Ecosystems for SME customers – mBank (Poland)

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. Online Banking for SMEs - CEE 2019 9
“Quick invoice” issued
in 2 clicks
mBank
Integration of VAS Services Online Accounting

10. Online Banking for SMEs - CEE 2019 10
Key trends in the CEE market
Creating Ecosystems for SME customers – Santander Bank Polska (Poland)

11. Online Banking for SMEs - CEE 2019 11
Key trends in the CEE market
Creating Ecosystems for SME customers – Santander Bank Polska (Poland)

12. Online Banking for SMEs - CEE 2019 12
Key trends in the CEE market
Creating Ecosystems for SME customers – Santander Bank Polska (Poland)

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. Online Banking for SMEs - CEE 2019 14
2
Integration of VAS Services Online Accounting Moje ING
• e-invoicing module

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. Online Banking for SMEs - CEE 2019 16
2
Integration of VAS Services Online Accounting ING KsięgowośćOnLine
• e-invoicing module

17. WHO WE ARE
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event
attenders
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followers
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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. www.smebanking.club www.smebanking.events
WHAT WE DO
STUDY REPORTSNEWS AND MAGAZINEANALYTICS CONFERENCES

19. CONTACT US
Olena Gryniuk
Regional Director
CEE countries
+48733404985
cee@smebanking.club