{"id":75917,"date":"2025-06-30T16:34:45","date_gmt":"2025-06-30T16:34:45","guid":{"rendered":"https:\/\/smebanking.agency\/club\/?post_type=product&amp;p=53376"},"modified":"2025-06-30T16:34:45","modified_gmt":"2025-06-30T16:34:45","slug":"53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos","status":"publish","type":"product","link":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/","title":{"rendered":"7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS"},"content":{"rendered":"<p>By 2030, the global economy will need to create conditions for 600 million jobs to absorb the growing global workforce, making the development of small and medium-sized enterprises (SMEs) a top priority for many leaders around the world. Governments have already allocated billions to support small businesses in mitigating the effects of the pandemic. The World Bank views micro and small businesses as engines of fast-growing economies. FintechOS shares this view, placing strong emphasis on SMEs.<\/p>\n<p>Despite the significant opportunities they represent for financial institutions, SMEs often struggle to access the funding they need to grow or even survive. This issue has persisted for decades, with little sign of improvement. Banks undoubtedly play a crucial role in supporting this segment.<\/p>\n<p>But what do banks think about SMEs? Are they seen as a vital source of business and growth? What challenges do banking leaders face? What key initiatives and advantages are they considering? Is there a \u201csilver bullet\u201d that can ease the transition to digital and help them keep pace with new market entrants?<\/p>\n<p>FintechOS set out to find the answers.<\/p>\n<p><strong>From the report, you\u2019ll learn:<\/strong><\/p>\n<ul>\n<li>The main challenges SME bankers face today<\/li>\n<li>The strategic role of digitalization in unlocking the full potential of the SME market<\/li>\n<li>Executive perspectives on SME banking\u2014based on interviews with business leaders from Banca Transilvania, FintechOS, First Bank, Lidya, Raiffeisen Bank, and others<\/li>\n<li>How incumbent banks are rethinking SME banking<\/li>\n<li>How banks are responding to the fintech challenge<\/li>\n<\/ul>\n<p><strong>Key figures from the report:<\/strong><\/p>\n<ul>\n<li>Research by EY shows that SMEs account for over 50% of global employment and more than 40% of national GDP in emerging economies<\/li>\n<li>SMEs employ over 90 million people, nearly 70% of total employment in the EU\u2019s non-financial sector<\/li>\n<li>SMEs generate around 60% of total gross value added<\/li>\n<li>Global SME banking revenue is estimated at $850 billion annually<\/li>\n<li>The SME bank lending gap in the Eurozone in 2019 was \u20ac400 billion (3% of GDP)<\/li>\n<li>47% of European SMEs believe bank loans are not a suitable source of financing<\/li>\n<li>The largest SME credit gaps are in the Netherlands (22% of GDP), Belgium (14%), France (9%), and Italy (4%)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>In 2021, FintechOS, in partnership with Efma, prepared the report\u00a0<em>\u201cSeven Banking Leaders on Fintechs, Challenges and the Future of SME Banking\u201d &#8211; <\/em>focused on the challenges and new initiatives in small and medium-sized business (SME) banking. Experts explored this topic by interviewing SME specialists and banking professionals.<\/p>\n","protected":false},"featured_media":53377,"template":"","meta":{"pmpro_default_level":"","tdm_status":"","tdm_grid_status":""},"product_brand":[],"product_cat":[2355,2347],"product_tag":[2280,2298],"class_list":["post-75917","product","type-product","status-publish","has-post-thumbnail","product_cat-digital-banking-en","product_cat-study-library","product_tag-efma","product_tag-fintechos","pmpro-has-access","first","instock","shipping-taxable","product-type-external"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS -<\/title>\n<meta name=\"description\" content=\"In 2021, FintechOS, in partnership with Efma, prepared a report on the challenges and new initiatives in SME banking.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS -\" \/>\n<meta property=\"og:description\" content=\"In 2021, FintechOS, in partnership with Efma, prepared a report on the challenges and new initiatives in SME banking.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/\" \/>\n<meta property=\"og:site_name\" content=\"SME Banking Platform\" \/>\n<meta property=\"og:image\" content=\"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/06\/future-of-sme-banking.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\\\/\",\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\\\/\",\"name\":\"7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS -\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2022\\\/06\\\/future-of-sme-banking.jpg\",\"datePublished\":\"2025-06-30T16:34:45+00:00\",\"description\":\"In 2021, FintechOS, in partnership with Efma, prepared a report on the challenges and new initiatives in SME banking.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\\\/#primaryimage\",\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2022\\\/06\\\/future-of-sme-banking.jpg\",\"contentUrl\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2022\\\/06\\\/future-of-sme-banking.jpg\",\"width\":500,\"height\":675,\"caption\":\"Seven Banking Leaders on Fintechs, Challenges and the Future of SME Banking\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\",\"item\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/cental-asia\\\/home-central-asia\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u041a\u0430\u0442\u0430\u043b\u043e\u0433\",\"item\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/cental-asia\\\/reports\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#website\",\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/\",\"name\":\"SME Banking Platform\",\"description\":\"Knowledge Base Platform\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS -","description":"In 2021, FintechOS, in partnership with Efma, prepared a report on the challenges and new initiatives in SME banking.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/","og_locale":"en_GB","og_type":"article","og_title":"7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS -","og_description":"In 2021, FintechOS, in partnership with Efma, prepared a report on the challenges and new initiatives in SME banking.","og_url":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/","og_site_name":"SME Banking Platform","og_image":[{"width":500,"height":675,"url":"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/06\/future-of-sme-banking.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/","url":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/","name":"7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS -","isPartOf":{"@id":"https:\/\/smebanking.agency\/platform\/#website"},"primaryImageOfPage":{"@id":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/#primaryimage"},"image":{"@id":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/#primaryimage"},"thumbnailUrl":"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/06\/future-of-sme-banking.jpg","datePublished":"2025-06-30T16:34:45+00:00","description":"In 2021, FintechOS, in partnership with Efma, prepared a report on the challenges and new initiatives in SME banking.","breadcrumb":{"@id":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/#primaryimage","url":"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/06\/future-of-sme-banking.jpg","contentUrl":"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/06\/future-of-sme-banking.jpg","width":500,"height":675,"caption":"Seven Banking Leaders on Fintechs, Challenges and the Future of SME Banking"},{"@type":"BreadcrumbList","@id":"https:\/\/smebanking.agency\/platform\/report\/53376-7-banking-leaders-on-fintech-challenges-and-the-future-of-sme-banking-fintechos\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/smebanking.agency\/platform\/cental-asia\/home-central-asia\/"},{"@type":"ListItem","position":2,"name":"\u041a\u0430\u0442\u0430\u043b\u043e\u0433","item":"https:\/\/smebanking.agency\/platform\/cental-asia\/reports\/"},{"@type":"ListItem","position":3,"name":"7 Banking Leaders on Fintech, Challenges, and the Future of SME Banking \u2013 FintechOS"}]},{"@type":"WebSite","@id":"https:\/\/smebanking.agency\/platform\/#website","url":"https:\/\/smebanking.agency\/platform\/","name":"SME Banking Platform","description":"Knowledge Base Platform","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/smebanking.agency\/platform\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"}]}},"_links":{"self":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product\/75917","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/types\/product"}],"wp:attachment":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/media?parent=75917"}],"wp:term":[{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product_brand?post=75917"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product_cat?post=75917"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product_tag?post=75917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}