SME lending
Lending to small and medium-sized enterprises — businesses too small for corporate banking but too complex for retail credit. It's the highest-volume, lowest-margin commercial segment for most banks.
SME lending is structurally hard: borrowers have heterogeneous financials, limited bureau data, and ticket sizes that don't justify deep manual underwriting. Yet SMEs represent the majority of GDP and employment in most economies, making the segment strategically critical. Banks compete on speed, depth of insight, and digital experience. Tooling typically includes cash-flow analytics, automated spreading, and decisioning workflows that let officers handle 5–10x the volume of legacy processes while keeping risk costs in check.