Diese Präsentation wurde erfolgreich gemeldet.
Wir verwenden Ihre LinkedIn Profilangaben und Informationen zu Ihren Aktivitäten, um Anzeigen zu personalisieren und Ihnen relevantere Inhalte anzuzeigen. Sie können Ihre Anzeigeneinstellungen jederzeit ändern.

Online Banking for SMEs. CEE region, June 2019

1.489 Aufrufe

Veröffentlicht am

SME Banking Club' study with a ranking of business online banking for companies and entrepreneurs.

Veröffentlicht in: Business
  • Login to see the comments

Online Banking for SMEs. CEE region, June 2019

  1. 1. Online Banking for SMEs Annual Study Report SME Banking Club, June 2019
  2. 2. WHO WE ARE 400+ event attenders 3000+ unique visitors monthly 7000+ contacts 1400+ email subscribers 500+ Instagram subscribers 400+ Twitter followers LinkedIn subscribers 2300+2700+ Facebook fans Established in 2010 Professional focus on financial services for micro, small and medium enterprises Regional focus on Central & Eastern Europe, CIS, the Caucasus, Central Asia Members include commercial banks; business partners – international financial institutions, IT providers, consultant companies
  3. 3. CEE18 EVENTSREPORTSSTUDIES 3
  4. 4. www.smebanking.club www.smebanking.events WHAT WE DO STUDY REPORTSNEWS AND MAGAZINE ANALYTICSCONFERENCES
  5. 5. Online Banking for SMEs - CEE 2019 About the Study 5 • An annual SME Banking Club Review on the functionality of Online Banking systems for SME customers (entrepreneurs and companies) provided by banks in the CEE region • Analyzed countries: Poland, Romania, Bulgaria, Hungary, Czech Rep, Slovakia, Serbia • Period of analysis: April-May 2019 • The study includes a description of the main trends in online banking channels and a detailed analysis of all main functionalities.
  6. 6. Online Banking for SMEs - CEE 2019 About the Study 6 Banks described in the Study
  7. 7. Online Banking for SMEs - CEE 2019 Methodology 7 Scope: 25 banks Analysis of 25 banks in the CEE region who work with SMEs (from the following countries: Poland, Romania, Bulgaria, Hungary, Serbia, Czech Republic, Slovakia) Only online Only online banking functionality is covered 100 parameters Analysis and comparison was carried out within 100 parameters Separately Online banking for entrepreneurs and Online banking for companies was analyzed separately No UX-audit A UX-audit was not done
  8. 8. Online Banking for SMEs - CEE 2019 Cards Accounts LCY Payments SupportFactoring &TF Other ServicesVAS Integrations LoansDeposits FX & FCY Payments Main modules 8 Number of criteria On-boarding process 117 15 876 6 92 10 7 Main Dashboard 9
  9. 9. Online Banking for SMEs - CEE 2019 9 Data collection: • Desk study: collection of publicly available information (manuals, instructions, videos on bank websites) • Direct and demo access to Online Banking systems • Interview with specialists of banks responsible for small business, calls to bank call centers Results: Methodology Table 100 Online Banking parameters from 25 banks 1 Table 130 extra docs (prt sc, Manuals, Videos) PDF- document with Study results 1 Study
  10. 10. Online Banking for SMEs - CEE 2019 Excel table with 100 Online Banking parameters from 25 banks Functionality analysis of 25 banks 10
  11. 11. Online Banking for SMEs - CEE 2019 11 Some figures & targets for servicing SMEs digitally in the CEE region 1. Remote end-to-end processes for: • Customer acquisition • Lending • e-banking campaigns 2. VAS implementation Some targets for the SME segment from Digital Banking strategies in the region • ING Bank Śląski (Poland): 95% of loan applications from business customers (SME & MC) were submitted online (1Q 2019) and 74% of loan applications — from entrepreneurs • ING Bank Śląski (Poland): 27% of new business customers acquired online in Y2018 • Alior Bank (Poland): 78% of new SME loans disbursements were acquired online (1Q 2019) Some Benchmarks in the region
  12. 12. Online Banking for SMEs - CEE 2019 Trends map in Online Banking for SMEs 12 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
  13. 13. Online Banking for SMEs - CEE 2019 13 with automatic opening of the business account Online Banking for SMEs - CEE 2019 Key trends in the CEE market Business registration via bank website 3 banks (Poland): • mBank •PKO BP •ING Bank Śląski
  14. 14. Online Banking for SMEs - CEE 2019 • Paperless • 5 min to complete form/1 h waiting time • Agreement signed online 14 4321 9 Client fills-in the online form Creating user account and sending information to the client Client logs-in to Business system to sign the agreement Activation of accounts Key trends in the CEE market Online Customer Onboarding
  15. 15. Online Banking for SMEs - CEE 2019 FX Module 15 • FX Trader module: FX Spot & FX Forward & FX Offers & FX Alerts transaction • New Currency exchange online (to be introduced in Aug. 2017): cash-based FX deals with immediate settlement • Additional features: electronic transaction confirmations, Reuters news and other FM-related information Best Features ING Business
  16. 16. Online Banking for SMEs - CEE 2019 16 Santander Bank Polska Mini Firma (Online Banking for SMEs)Best Features Tax Payments User can make tax payments by using a special form for tax payments with auto completion of tax office data User can choose Tax Office and account details will be fulfilled automatically
  17. 17. Online Banking for SMEs - CEE 2019 17 Best Features Santander Bank Polska Mini Firma (Online Banking for SMEs)Transfers in LCY User can make tax payments by using a special form with an option to choose the tax to pay and period of tax declaration
  18. 18. Online Banking for SMEs - CEE 2019 Best Features Česká spořitelnaLoan Application 18
  19. 19. Online Banking for SMEs - CEE 2019 Best Features 19 • List of Guarantees • Guarantee details • Templates • Reports Česká spořitelnaTrade Finance
  20. 20. Online Banking for SMEs - CEE 2019 Best Features 20 • List of Guarantees • Guarantee details • Templates • Reports Česká spořitelnaTrade Finance
  21. 21. Online Banking for SMEs - CEE 2019 Česká spořitelnaBest Features • List of Guarantees • Guarantee details • Templates • Reports 21 Trade Finance
  22. 22. Online Banking for SMEs - CEE 2019 Best Features • Letter of Credits list • Export/Import of LCs • Templates 22 Česká spořitelnaTrade Finance
  23. 23. Online Banking for SMEs - CEE 2019 23 Key trends in the CEE market Creating Ecosystems for SME customers
  24. 24. Online Banking for SMEs - CEE 2019 24 “Quick invoice” issued in two mouse clicks mBankIntegration of VAS Services Online Accounting
  25. 25. Online Banking for SMEs - CEE 2019 25 2 Integration of VAS Services Online Accounting Moje ING • Main functionality is available • Self-accounting Online accounting module for entrepreneurs
  26. 26. Online Banking for SMEs - CEE 2019 26 2 Integration of VAS Services Online Accounting ING KsięgowośćOnLine Online accounting module for companies • Wider range of functions • Dedicated accountant
  27. 27. Online Banking for SMEs - CEE 2019 27 BFM Module Integration of VAS Services
  28. 28. Online Banking for SMEs - CEE 2019 Mobile Authorization of payments: Payment Process 28 After a transaction is approved in the Mobile App, it is finalized in the Online Banking system Best Features Santander Bank Polska Mini Firma (Online Banking for SMEs)Transfers in LCY Authorize the transfer in Mobile App by entering PIN for Mobile Signature
  29. 29. Online Banking for SMEs - CEE 2019 29 2 Communication Video & Audio calls Online chat Santander Bank Polska Mini Firma (Online Banking for SMEs)
  30. 30. Ranking Best Online Banking for SMEs in the CEE Region
  31. 31. Online Banking for SMEs - CEE 2019 Cards Accounts LCY Payments SupportFactoring &TF Other ServicesVAS Integrations LoansDeposits FX & FCY Payments Main modules 31 Number of criteria On-boarding process 117 15 876 6 92 10 7 Main Dashboard 9
  32. 32. Online Banking for SMEs - CEE 2019 3232 * SME Banking Club’s expert opinion based on aggregated statistics from the region ** Not included in the ranking (informative purpose) Modules by weight for Private Entrepreneurs 80% Accounts 80% LCY Transfers 13% FX & FCY Transfers 30% On-boarding process 40% Cards 5% Deposits 17% Loans 1% Factoring 22% Communications & Support 30% Other services 1% Trade Finance 30% Integrations 22% Main Dashboard 0% Security **
  33. 33. Online Banking for SMEs - CEE 2019 3333 * SME Banking Club’s expert opinion based on aggregated statistics from the region ** Not included in the ranking (informative purpose) Modules by weight for Legal Entities 100% Accounts 100% LCY Transfers 27% FX & FCY Transfers 30% On-boarding process 48% Cards 21% Deposits 17% Loans 1% Factoring 22% Communications & Support 30% Other services 2% Trade Finance 30% Integrations 22% Main Dashboard 0% Security **
  34. 34. 30%On-boarding process
  35. 35. 22%Main Dashboard
  36. 36. 80%Accounts
  37. 37. 100%Accounts
  38. 38. 80%LCY Transfers
  39. 39. 100%LCY Transfers
  40. 40. 13%FX & FCY Transfers
  41. 41. 27%FX & FCY Transfers
  42. 42. 40%Cards
  43. 43. 48%Cards
  44. 44. 5%Deposits
  45. 45. 21%Deposits
  46. 46. 17%Loans
  47. 47. 1%Factoring, TF
  48. 48. 30%Integrations
  49. 49. 30%Other services
  50. 50. 22%Communication & Support
  51. 51. 0%Security
  52. 52. Online Banking for SMEs - CEE 2019 269 266 239 238 205 200 196 196 194 178 174 169 166 164 158 150 140 130 128 122 114 108 91 90 1 INGBankŚląski PKOBP mBank BankPekao AliorBank RaiffeisenBankCZ SantanderBankPolska ExptressBank(BU) Postbank BancaTransilvania RaiffeisenbankRO BudapestBank Millennium OTPBank K&H CeskaSporitelna UBB TatraBank UniCreditRO RaiffeisenBankHU ErsteBank KomercijalnaBanka CIB BancaIntesaBeograd BNPParibasBank Polska 52 Best Online banking for EntrepreneursBank TOP 15 1. ING Bank Śląski 2. PKO BP 3. mBank 4. Bank Pekao 5. Alior Bank 6. Raiffeisen Bank CZ 7. Santander Bank Polska 8. Express Bank 9. Postbank 10. Banca Transilvania 11. Raiffeisenbank RO 12. Budapest Bank 13. Millennium 14. OTP Bank 15. K&H
  53. 53. 31%Безопасность
  54. 54. Online Banking for SMEs - CEE 2019 348 323 315 301 295 253 253 251 245 244 229 227 226 216 206 195 194 179 172 162 157 148 138 124 117 INGBankŚląski mBank PKOBP BankPekao AliorBank SantanderBank Polska Millennium Postbank ExptressBank(BU) RaiffeisenBankCZ BancaTransilvania RaiffeisenbankRO BudapestBank OTPBank BNPParibasBank Polska K&H CeskaSporitelna UBB UniCreditRO TatraBank RaiffeisenBankHU ErsteBank KomercijalnaBanka CIB BancaIntesa Beograd Ranking: Online banking for Companies 54 Bank TOP 15 1. ING Bank Śląski 2. mBank 3. PKO BP 4. Bank Pekao 5. Alior Bank 6. Santander Bank Polska 7. Millennium 8. Postbank 9. Express Bank (BU) 10. Raiffeisen Bank CZ 11. Banca Transilvania 12. Raiffeisenbank RO 13. Budapest Bank 14. OTP Bank 15. BNP Paribas Bank Polska
  55. 55. 31%Безопасность
  56. 56. Online Banking for SMEs - CEE 2019 56 You need the full study if… ▪ This brief report presents a small part of the research results — ratings of the effectiveness of Internet banks for various types of businesses, a description of the methodology and key findings. A detailed comparison of all study participants is available in the full report, which is provided on a paid basis. ▪ A full report provides quick access to the results of the comparison of the 25 best Internet banking solutions in the CEE region. ▪ All results are collected and conveniently structured in a PDF file, which will be useful both for managers and online bank development teams for making decisions, and finding ideas and inspiration. ✓ You want to evaluate the competitive position of your online banking solution for SMEs. ✓ You need constant quick access to an extensive database of the best and non-standard implementations of various user tasks in Online banking. ✓ You want to keep abreast of trends in the development of Online banking for small businesses in the region. ✓ You have several options for resolving a problem and you want to find confirmation for your solution. ✓ You are developing an online banking strategy for small businesses and are looking for a source of ideas and inspiration. You need the full study if Report
  57. 57. CONTACT US Olena Gryniuk Regional Director CEE countries +48733404985 cee@smebanking.club

×