SME Banking Club Studies 2020. CEE Region

1. SME Banking Club
Studies 2020
CEE
Region
SME Banking Club, July 2020

2. Online Banking for SMEs - CEE 2019 2
• Online Banking for SMEs. Release date: September 2020
• Mobile Banking for SMEs. Release date: September 2020
• Digital Lending for SMEs. Release date: August 2020
• Digital Factoring for SMEs. Release date: July 2020
• Digital Trade Finance for SMEs. Release date: July 2020
• Digital Sales Tools for SMEs. Release: July 2020
SME Banking Club Studies 2020 for the CEE region

3. Online Banking for
SMEs 2020
CEE
Region
SME Banking Club, May 2020

4. Online Banking for SMEs - CEE 2019
About the Study
4
• 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: July-August 2020
• The study includes a description of the
main trends in online banking channels
and a detailed analysis of all main
functionalities.

5. Online Banking for SMEs - CEE 2019
Methodology
5
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

6. Online Banking for SMEs - CEE 2019 6
Data collection:
• Direct and demo access to Online Banking systems
• Desk study: collection of publicly available information (manuals, instructions, videos on bank
websites)
• Interview with specialists of banks responsible for small business, calls to bank call centers,
applications received from banks
Results:
Methodology
Table
100 Online Banking
parameters from 25 banks
1 Table appr 100 extra
docs
(prt sc, Manuals, Videos)
PDF-
document with Study
results
1 Study

7. Online Banking for SMEs - CEE 2019
Excel table with 100 Online Banking parameters from 25 banks
Functionality analysis of 25 banks
7

8. 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
BNPParibasBankPolska
8
Best Online banking for SMEsBank
TOP 15
💥 Based on the Study Results
we will produce a Ranking of
the best solutions and will
award best banks at Online
Award Gala on November 25

9. Mobile Banking for
SMEs 2020
CEE
Region
SME Banking Club, July 2020

10. Online Banking for SMEs - CEE 2019
About the Study
10
• An annual SME Banking Club Review on
the functionality of Mobile 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: July-August 2020
• The study includes a description of the
main trends in online banking channels
and a detailed analysis of all main
functionalities.

11. Online Banking for SMEs - CEE 2019
Methodology
11
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 mobile
Only mobile banking
functionality is
covered
100 parameters
Analysis and
comparison was
carried out within 100
parameters
Separately
Mobile banking for
entrepreneurs and
Mobile banking for
companies was
analyzed separately
No UX-audit
A UX-audit
was not done

12. Online Banking for SMEs - CEE 2019 12
Data collection:
• Direct and demo access to Mobile Banking systems
• Desk study: collection of publicly available information (manuals, instructions, videos on bank
websites)
• Interview with specialists of banks responsible for small business, calls to bank call centers,
applications received from banks
Results:
Methodology
Table
100 Mobile Banking
parameters from 25 banks
1 Table appr 100 extra
docs
(prt sc, Manuals, Videos)
PDF-
document with Study
results
1 Study

13. Online Banking for SMEs - CEE 2019
Excel table with 100 Mobile Banking parameters from 25 banks
Functionality analysis of 25 banks
13

14. 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
14
Best Mobile banking for SMEs
TOP 15
💥 Based on the Study Results
we will produce a Ranking of
the best solutions and will
award best banks at Online
Award Gala on November 25

15. Digital Lending to
SMEs 2020
CEE
Region
SME Banking Club, July 2020

16. Online Banking for SMEs - CEE 2019
About the Study
16
• An annual SME Banking Club Review on
the possibility to apply and get a loan
fully online for SME customers
(entrepreneurs and companies)
provided by banks & FinTechs in the
CEE region (min 25 organizations will be
analyzed)
• Analyzed countries: Poland, Romania,
Bulgaria, Hungary, Czech Rep, Slovakia,
Serbia
• Period of analysis: May-June 2020
• The study includes a description of the
main trends in digital lending and a
detailed analysis of digital process.

17. Online Banking for SMEs - CEE 2019 17
Data collection:
• Direct and demo access to lending modules of Online & Mobile Apps
• Desk study: collection of publicly available information (manuals, instructions, videos on bank
websites)
• Interview with specialists of banks responsible for small business, calls to bank call centers,
applications received from banks
Results:
Methodology
Table
15 Lending parameters
from 25 banks
1 Table appr 50 extra
docs
(prt sc, Manuals, Videos)
PDF-
document with Study
results
1 Study

18. 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
18
Best Digital Lending Solution for SMEsBank
TOP 15
💥 Based on the Study Results
we will produce a Ranking of
the best solutions and will
award best banks at Online
Award Gala on November 25

19. Digital Factoring to
SMEs 2020
CEE
Region
SME Banking Club, May 2020

20. Online Banking for SMEs - CEE 2019
About the Study
20
• An annual SME Banking Club Review on
the possibility to apply and get a
factoring fully online for SME customers
(entrepreneurs and companies)
provided by banks & FinTechs in the
CEE region (min 25 organizations will be
analyzed)
• Analyzed countries: Poland, Romania,
Bulgaria, Hungary, Czech Rep, Slovakia,
Serbia
• Period of analysis: May-July 2020
• The study includes a description of the
main trends in digital factoring and a
detailed analysis of digital process.

21. Online Banking for SMEs - CEE 2019 21
Data collection:
• Direct and demo access to factoring modules of Online & Mobile Apps
• Desk study: collection of publicly available information (manuals, instructions, videos on bank
websites)
• Interview with specialists of banks responsible for small business, calls to bank call centers,
applications received from banks
Results:
Methodology
Table
15 Online Factoring
parameters from 25 banks
1 Table Appr 50 extra
docs
(prt sc, Manuals, Videos)
PDF-
document with Study
results
1 Study

22. 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
22
Best Digital Factoring solution for SMEsBank
TOP 15
💥 Based on the Study Results
we will produce a Ranking of
the best solutions and will
award best banks at Online
Award Gala on November 25

23. Digital Trade
Finance
to SMEs 2020
CEE
Region
SME Banking Club, July 2020

24. Online Banking for SMEs - CEE 2019
About the Study
24
• An annual SME Banking Club Review on
the possibility to apply and get trade
finance products fully online for SME
customers (entrepreneurs and
companies) provided by banks &
FinTechs in the CEE region (min 25
organizations will be analyzed)
• Analyzed countries: Poland, Romania,
Bulgaria, Hungary, Czech Rep, Slovakia,
Serbia
• Period of analysis: June - July 2020
• The study includes a description of the
main trends in digital factoring and a
detailed analysis of digital process.

25. Online Banking for SMEs - CEE 2019 25
Data collection:
• Direct and demo access to trade finance modules of Online & Mobile Apps
• Desk study: collection of publicly available information (manuals, instructions, videos on bank
websites)
• Interview with specialists of banks responsible for small business, calls to bank call centers,
applications received from banks
Results:
Methodology
Table
15 Online TDF parameters
from 25 banks
1 Table Appr 500 extra
docs
(prt sc, Manuals, Videos)
PDF-
document with Study
results
1 Study

26. 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
26
Best Digital Trade Finance solution for SMEsBank
TOP 15
💥 Based on the Study Results
we will produce a Ranking of
the best solutions and will
award best banks at Online
Award Gala on November 25

27. Categories

28. Digital Sales Tools
for SMEs 2020
extra Study
CEE
Region
SME Banking Club, July 2020

29. Online Banking for SMEs - CEE 2019
About the Study
29
• An annual SME Banking Club Review on
the digital tools that banks are
implementing to increase sales to SME
customers
• Analyzed countries: Poland, Romania,
Bulgaria, Hungary, Czech Rep, Slovakia,
Serbia
• Period of analysis: May-June 2020
• The study includes a description of the
main trends in digital sales tools and a
detailed analysis of the best cases.

30. Online Banking for SMEs - CEE 2019 30
Data collection:
• Desk study: collection of publicly available information (bank strategies, other information on the
banks’ websites)
• Interview with specialists of banks responsible for small business, calls to bank call centers,
applications received from banks
Results:
Methodology
Appr 20 extra
docs
(prt sc, Manuals, Videos)
PDF-
document with Study
results
1 Study

31. ONLINE