What’s in the report
- The six steps of the SME lending process, and which one is slowest
- Why approval times range from three days to two months under the same regulatory framework
- Four types of bank and how each approaches automation
- Five layers of constraint, only one of which can be solved by software alone
- What will shape SME lending to 2030
- Three practical steps for bank leaders
The fieldwork was carried out by a research team from Vrije Universiteit Amsterdam, commissioned by Akkuro.