Mobiquity：2024年中小企业数字银行服务白皮书（英文版）（16页）.pdf

1、February 2024Digital banking for small and medium-sized enterprisesOVERVIEWTable of contentsCHAPTER 1IntroductionCHAPTER 2Frictions SMEs have encountered with bankingCHAPTER 3Key points and trends for digital banking focusing on SMEsCHAPTER 4Digital Banking application features and ideas for SMEsCHA

2、PTER 5Conclusion345615CONTACTGet in touch16 Must haves7 Delighters9 Differentiators132CHAPTER 1IntroductionSmall and Medium sized Enterprises(SMEs)have an extremely important role in the global economy:they foster innovation,create jobs,and enhance overall economic growth more than corporates do.SME

3、s account for about 90%of businesses and more than 50%of employment worldwide,according to the World Bank.In emerging economies,SMEs contribute up to 40%of national income(GDP).However,these vital contributors to the global economy often face significant challenges in accessing financial services,pa

4、rticularly from traditional banks.These challenges,often arising from old practices and a lack of understanding of the unique needs of SMEs,can get in the way of the SME growth and success.A report by the International Finance Corporation(IFC)estimates a global financing gap for SMEs of$5.2 trillion

5、 annually(which means$15k per company on average every year),indicating the extent of the challenge in accessing necessary funds.This gap is most noticeable in emerging markets and developing economies,where SMEs are often considered high-risk by traditional banking standards.The European Commission

6、 highlights that around 70%of SMEs in Europe rely on bank loans for financing,yet only 20%end up getting their loan finally approved,showing there are still significant barriers.This underscores the difficulties faced by SMEs in securing the financial support they need to grow and thrive.The data sh