{"id":76075,"date":"2025-06-30T16:36:24","date_gmt":"2025-06-30T16:36:24","guid":{"rendered":"https:\/\/smebanking.agency\/club\/?post_type=product&amp;p=59102"},"modified":"2025-06-30T16:36:24","modified_gmt":"2025-06-30T16:36:24","slug":"59102-the-5-levels-of-smb-banking-maturity-the-journey-from-digital-transformation-to-disruption","status":"publish","type":"product","link":"https:\/\/smebanking.agency\/platform\/report\/59102-the-5-levels-of-smb-banking-maturity-the-journey-from-digital-transformation-to-disruption\/","title":{"rendered":"The 5 Levels of SMB Banking Maturity: The Journey from Digital Transformation to Disruption"},"content":{"rendered":"<p>The small and medium-sized business (SMB) market has long been underserved by banks. Despite being the backbone of the global economy, making up the vast majority of all businesses and employing half of the world\u2019s workforce, SMBs account for less than a quarter of all bank lending, according to the report <em>\u201cThe Five Maturity Levels of SME Banking: A Journey from Digital Transformation to Disruption\u201d<\/em>\u00a0by Qorus and VeriPark. While global fintechs have driven innovation in the SMB segment, traditional banks have been slow to adopt these advanced practices.<\/p>\n<p><strong>It\u2019s time for that to change.<\/strong><\/p>\n<p>New entrants in financial services have shown that, with the right technology, they can meet the needs of SMBs while generating significant profits. Traditional banks have the same opportunity, and this report aims to show them how.<\/p>\n<p>The report presents a capability standard that helps banks not only assess their current level of SMB banking maturity but also strategically plan their next leap forward. Experts provide detailed insights into the characteristics and practices needed to track growth and unlock potential in the SMB space, along with best-practice examples from pioneering institutions.<\/p>\n<p><strong>Building the model was a complex process.<\/strong><br \/>\nA team of experts from VeriPark and Qorus, along with a steering committee of SMB banking leaders from around the world, came together to examine six key aspects of the SMB segment and evaluate them across five levels of maturity. After countless hours of discussion, they developed a best-in-class model designed to benefit banks globally.<\/p>\n<p><strong>Key figures from the report:<\/strong><\/p>\n<ul>\n<li><strong>67%<\/strong>\u00a0of surveyed global banks cited resource constraints as one of the biggest challenges to innovating and expanding SMB banking services.<\/li>\n<li>By improving risk models and making more consistent decisions, banks can reduce non-performing loans (NPLs) by\u00a0<strong>25%<\/strong>.<\/li>\n<li>Only\u00a0<strong>3%<\/strong> of banks rated themselves as the most mature in onboarding.<\/li>\n<li><strong>67%<\/strong>\u00a0classified themselves as least or less mature.<\/li>\n<li><strong>76%<\/strong> of banks said investing in new technologies and automation to improve customer service is their top priority for enhancing their service mode.<\/li>\n<li><strong>47%<\/strong> of SMBs believe banks don\u2019t understand their challenges.<\/li>\n<li>Only <strong>9%<\/strong> feel their bank meets all their needs.<\/li>\n<li><strong>54%<\/strong> of bank executives said credit underwriting is currently a major challenge.<\/li>\n<li><strong>33%<\/strong>\u00a0cited regulatory barriers and compliance requirements as obstacles to innovation.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The study revealed that SMEs account for less than 25% of all bank lending. Moreover, for many years, the SME banking segment has benefited from the research and innovation of global fintech companies, but the adoption of such advanced practices by traditional banks has been slow.<\/p>\n<p>New entrants in the financial services market have demonstrated that, with the right technology, they can meet the needs of SMEs while generating substantial profits. Traditional banks have the opportunity to do the same, and this report aims to show exactly how.<\/p>\n","protected":false},"featured_media":59103,"template":"","meta":{"pmpro_default_level":"","tdm_status":"","tdm_grid_status":""},"product_brand":[],"product_cat":[2355,2347],"product_tag":[2331],"class_list":["post-76075","product","type-product","status-publish","has-post-thumbnail","product_cat-digital-banking-en","product_cat-study-library","product_tag-qorus","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>The 5 Levels of SMB Banking Maturity: The Journey from Digital Transformation to Disruption -<\/title>\n<meta name=\"description\" content=\"The study \u201cThe Five Maturity Levels of SME Banking: A Journey from Digital Transformation to Disruption\u201d revealed that SMEs account for less than 25% of all 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