璞砺营销咨询：2024年澳大利亚商业银行客户报告：中小企业机遇（英文版）（22页）.pdf

1、The SME opportunity:Business Banking in AustraliaBusiness Banking Customer Report 2024About the report This report explores how Small to Medium Enterprises(SMEs)engage with their businesss banks.The findings offer valuable insights into the business banking behaviours and expectations of SME custome

2、rs regarding their use of various channels and services.This report aims to:Examine SME customers expectations of their banks.1Identify opportunities for competitive differentiation of banking services.2Determine triggers which may encourage customers to switch providers.3Business Banking-The Custom

3、er PerspectiveForewordA shift in focus for Australian banksProfitability has declined in Australian mortgage lending thanks to years of intense competition and margin erosion.In turn,this has led banks to revisit their growth strategies,putting more emphasis on areas where they may be able to build

4、more predictable revenue streams.Business banking has seen growing interest in the last five years,with the segment promising higher margins and resilience to market volatility.Within the business banking market,the SME segment has been somewhat under-researched,despite representing a third of GDP a

5、nd almost 98%of all Australian businesses.Currently,most Australian banks service for SMEs is little more than a rebadged retail offering,rather than a compelling,data-driven business solution.Yet competition is likely to increase rapidly to attract these customers,both from existing banks and new m

6、arket entrants.With 10,000 more SMEs set to be included under the expanded definition in the 2025 Banking Code,and with the increased opportunity to access customer data through Open Banking,now is an especially important time to understand the SME customers better and provide fit-for-purpose soluti