Two banks built dedicated digital platforms for SME and retail. Measurable results in six months. This is what's possible.
ABN AMRO faced fintech competition and the limits of an ageing IT platform — slow, expensive and resource-heavy. Building SME lending on top of core banking would take years.
Cloud-native approach (Mambu + AWS). Composable architecture with KYC, AML and credit scoring. Loan decision under fifteen minutes, fully online.
DBS faced an expensive branch model and growing competition from fintech super-apps in India and Indonesia. Traditional rollout would have taken five years.
Cloud-native neobank with account opening under ninety seconds. AI chatbot handling 80% of queries. Composable architecture without call centres.
Two banks, two markets, six months — same playbook.
Neither bank tried a big-bang replacement of legacy. They launched a digital platform alongside existing systems and let market choose.
Lego-block approach: KYC, AML, scoring, payments — each module integrable independently. No monolithic vendor.
Customer experience built from scratch on modern stack. AI for support, scoring, recommendation — not bolted on later.
Our team has helped banks across MENA and Eastern Europe build their digital SME platform. Let's talk about your specific market.