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Go to services for SME business needs

Summary description

  • Digital financial services for small business

  • Rapid delivery of core needs: current account opening; card; support on invoicing and accounting

  • API platform to deliver further range of third party capabilities

  • Back up and query handling conducted with high service focus and latest technology 

Opportunity investment thesis

  • Technology enables small business to access distant markets and range of services

  • Large banks continue to find small business banking complicated and marginally profitable – intermediation costs and capital weightings force focus on other segments

  • Substantial advantage for digital player with low marginal costs to provide agile responsive service

  • API platform enables assembly of relevant menu of services for small business customer

  • Increasing trend to de-couple bank balance sheet with capital requirements and constraints from digital service delivery

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