Tech-Driven, Client-Centric

New Priorities in SME & Corporate Banking Transformation

The report explores how banks are transforming SME and corporate banking, focusing on automation, mobile-first platforms, and the growing role of AI.
About the report
Conclusions
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The report Tech-Driven, Client-Centric: New Priorities in SME & Corporate Banking Transformation explores how banks across Europe are responding to rapidly changing client expectations. It shows how digital-first businesses  are redefining what they expect from financial partners — demanding speed, personalization, and integrated digital services. Based on insights from leading institutions, the report highlights key priorities such as automation, AI, and mobile-first platforms, while addressing ongoing challenges like legacy systems and data fragmentation.

Key findings from the study:

85%
of surveyed institutions prioritize automation
71%
report challenges in delivering real-time services
15%
of banks extensively use artificial intelligence in their daily operations
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„SME clients now expect seamless, data-driven, and fully digital financial experiences. The study shows that banks are shifting from traditional relationship models to tech-enabled partnerships — yet progress remains uneven due to legacy systems and fragmented data. The future of banking lies in combining AI, automation, cloud, and analytics to deliver integrated, intelligent, and truly client-centric services”
‍
Marta Mróz - Sipiora
Global Development & Innovation Director, Asseco Poland
"The digital transformation of SME and corporate banking has reached a decisive inflection point. While most European banks have completed the digitization of core processes, achieving a consistent and seamless client experience across digital and physical channels remains a significant challenge."

Dominika Byrska
Department of Credit Products and Processes Director
Bank Pekao S.A.
"Technology must become the great equalizer, enabling SME clients to access corporate-like capabilities through smarter, more connected digital ecosystems. To succeed, banks must move beyond traditional digital product offerings toward platform thinking — creating integrated environments that connect the bank’s own products and services with clients’ ERP".

Pieta Heyns
Managing Director, Dataviue

Why this report matters

The report Tech-Driven, Client-Centric: New priorities in SME & Corporate Banking Transformation is essential reading for representatives of banks and financial institutions.
Drawing on insights from a strategically selected group of professionals from leading European banks and financial organizations, it reveals where the industry stands today in its digital transformation — and how far there is still to go.

The study provides answers to key questions, including:

  • What should a bank’s strategy look like to align with evolving client behaviors?
  • What are the investment priorities of financial institutions serving SME and corporate clients?
  • How can data be used to enhance customer experience?
  • How is AI currently applied — and what must change to accelerate its adoption across financial institutions?
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Download the report and be part of shaping the digital future of banking

As part of the knowledge-sharing program, we offer you free access to the Report. In return, we ask you to provide your contact details and to consent to receiving commercial information, which will allow us to send you materials with the latest updates on the current offer of Asseco Poland S.A. We fully respect your privacy, which is why we also provide the option of paid access to the Report. To place an order, simply send an email to [email protected]. If you choose the paid option, you will receive access to the Report, but no commercial offers will be sent to you. We encourage you to choose the option that best suits your needs!

The Controller of your data is Asseco Poland S.A. with its registered office at ul. Olchowa 14, 35-322 Rzeszów. The controller can be contacted by sending an inquiry to the address of the head office or by e-mail: [email protected]. Personal data will be processed for the purpose of sending you the Report and commercial information. In connection with the processing of your data, you have the following rights: the right to access your data, the right to correct it, to restrict processing, to delete it, to withdraw your consent, and to lodge a complaint with the supervisory authority. Full information on the rules of data processing is provided in the Privacy Notice.

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Asseco Poland S.A. with its registered office in Rzeszów, ul. Olchowa 14, 35-322 Rzeszów, NIP (TIN): 522-000-37-82, REGON: 010334578, PKD 6201Z. District Court in Rzeszów, 12th Commercial Division of the National Court Register, KRS No.: 0000033391. The share capital of PLN 83.000.303,00 is fully paid up. Waste Database (BDO) No.: 000004848