For decades, banks have been navigating the crucial decision of whether to build lending platforms in-house or buy an external vendor solution.  

Banks frequently select the “build” option – in the belief this is the best, most cost-effective way to improve operational efficiency, drive differentiation, and improve customer experiences.

But is this true?  

At face value, the approach appears to offer more control, greater customisation, future-proof transformation, and long-term cost savings. But in today’s fast-moving and highly competitive banking environment, that view is potentially a strategically risky one.  

After the global financial crisis, UK lending markets were highly concentrated, with around 90% of SME lending provided by the 4 largest banks. But in the last two years we’ve witnessed the rise challenger banks and alternative lending providers, which now account for 60% of annual gross bank lending to SMEs.

Demand is high - it’s predicted that by 2030 the UK SME sector alone will require finance to the tune of £70 billion+ - but overall loan success rates for businesses applying for bank finance are low in the UK, at less than 50% on average.

It’s therefore more important than ever that banks carefully analyse the build versus buy decision.  After all, it’s one that will prove pivotal in shaping their ability to adapt to competitive market conditions, increased demand and evolving regulatory landscapes; and help manage risk while delivering superior lending experiences.

Why do banks build?

The rationale behind internal lending builds is understandable, and there have been notable successes.

Traditional banks still struggle with legacy tech stacks and have huge reputational concerns and regulatory pressure over data privacy and compliance.  Plus, banks often have big teams of people that can “do the job”.

But too often, this “build” mindset leads banks down a long and costly road, fraught with missed opportunities, and ultimately delivers solutions that are already out of date by the time they’re deployed.

Let’s look at a couple of scenarios:

Bank 1

This tier one bank has successfully built a lending platform internally, leveraging their own skilled tech and compliance teams.  The result is a highly tailored solution that meets its specific needs - integrating with existing legacy software, improving operational efficiency, and enhancing data consistency.

Sounds good right?  But it’s come at a huge time and resource cost, and the bank is still struggling to access as granular level analysis of customer suitability and affordability.  Resource availability and financial investment will remain a concern as the bank works to ensure in-house innovation keeps up with digital challengers, AI-powered fintech’s, and data-driven alternative funding providers.

Bank 2

This fast growth tier two bank doesn’t have huge inhouse resources, so it bought an advanced credit decisioning platform from a leading vendor, when its incumbent in-house system began suffering from escalating investment and prolonged development cycles. The switch to a “buy” approach empowered cross-functional lending decisioning via advanced API integrations, data orchestration, and automated workflows.

The vendor’s expertise, vast range of data sources, application of continuous market-wide learning, focussed product development, and dedicated teams meant the bank was able to quickly deploy a robust and scalable solution and deliver a comprehensive approach that vastly improved the accuracy and efficacy of credit decisioning.

The hidden costs of building in-house

It’s clear from these examples that the true cost of a “build” approach goes beyond just developer hours and investment in compliance teams.

The hidden costs can quickly mount up:

• Time to deployment: what starts as a six-month sprint can easily become an 18-month marathon
• Continuous maintenance: continuous updates, UX enhancements, bug fixes, security patches, regulatory changes, tweaks to the customer journey.  These all consume valuable internal resources, leaving less time to focus on compliance and adding value to customers
• Integration challenges: making legacy and innovation play nicely is no mean feat, but it’s certainly a costly one.
• Innovation lag: the pace of change is brutal.  Keeping up without external support is a huge ask, and a huge investment - after all, when internal teams are fighting fires, they’re in technical debt and aren’t building competitive advantage.

But it gets even worse. Assessing affordability is more challenging than ever. Accurate credit decisioning requires that banks take an increasing number of factors into account when considering a customer’s suitability.  Without access to the right external data sets, banks will only ever have an incomplete picture of customers credit risk exposure, affordability, and liquidity.  This makes it tough to balance the fair treatment of customers and the experience they receive, with risk mitigation across their lending portfolio, and their ability to meet stringent compliance requirements.

The exposure both in terms of both cost and risk management losses are huge. Take this example from Experian for instance:

In this example, the prospective customer’s business turnover was equal to around £30m according to the annual accounts, which were confirmed with Current Account Turnover (CATO) data. However, Credit Account Sharing Information (CAIS) also showed that the company was servicing over £90m of active debt – all on either three or four-year repayment terms. This sum was understated in the company’s reported liabilities.

These insights revealed that the customer’s debt-to-income ratio was over 300% – a particularly worrying figure considering that the average term of the debt was around three years. Finally, the Debt Service Ratio was over 100%, meaning that all the company’s revenues were required just to support the existing debt repayment obligations

This case demonstrates the critical need for a full picture of affordability, and why access to the broadest range of data and insights into multi-lender exposure can prevent significant losses based on fair, timely, accurate affordability assessments.  It also highlights why in-house lending builds are especially complex.

So, why buy?

The landscape has changed; in fact, it’s constantly in flux. Vendor platforms are not just faster and more cost effective to deploy; they’ve got evolution baked in.

Here are just a few of the benefits of a “buy” approach:

• Access to live, external data sources: financial data orchestration, consolidating intelligence from across the banking ecosystem can enable banks to gain a fuller of a customer’s liquidity, debt exposure, and cash positions.  Total visibility for more advanced decision making
• Eliminate fragmented internal data limits: Banks often struggle with incomplete visibility across different lending products and customer accounts and end up working in silos. By eliminating this siloed approach and replacing it with API-powered connected insight, banks can spot cross-sell opportunities and improve experiences at every stage of the customer lifecycle.  
• Advanced monitoring: With timely insights and alerts into customer behaviour and changes to risk profile, banks can respond to liquidity issues or borrowing spikes before they escalate - helping balance risk and the delivery of proactive support

When banks buy the right solution, you're not trading control for convenience. You’re investing in speed, differentiation, compliance and scalability, and most importantly customer experience.  

A change of mindset is required. Banks that continue to build what they should buy aren’t just over-investing — they’re falling behind. The smartest players are shifting from builders to integrators, from owners to orchestrators.

The “buy” decision just got a whole lot easier…

Introducing nCino ProBanker powered by FullCircl.

ProBanker delivers real time access to restricted commercial credit data for a total market view of customer risk and opportunity across multiple financial institutions. This advanced ready-to-deploy solution supports smarter lending decisions, stronger customer relationships, and faster time to funding.

ProBanker draws on an exceptionally rich dataset of around 18 million commercial credit accounts’ credit history from 180+ commercial credit contributors (CAIS and CATO), as well as Commercial Credit Data Sharing (CCDS) data of approximately 10 million records from the CMA9 banks.

It can assist your bank to:

• Access a multi-bank, total market view of a customer’s credit exposure
• Track affordability and liquidity in near real-time
• Strengthen portfolio health by identifying early warning signs of financial distress
• Accelerate time to funding
• Improve customer outcomes through proactive engagement and personalised outreach

Contact us to find out more about this market-first lending solution.

The commercial lending market is highly competitive right now.  

Improvements in technology and strong governmental support have simultaneously encouraged more competition and a significant increase in the number of new lenders entering the market. As a result, non-traditional lenders, also known as challenger banks or alternative lending providers, now account for 60% of annual gross bank lending to SMEs.

When competition is fierce, success depends not only on finding new business customers, but on uncovering the hidden opportunities to serve those that have been declined funding, or indeed completely inactive potential customers.

Every year, lenders are missing out on millions in bookable lending from viable borrowers who were either rejected or approved but didn’t take up offers.

Are you ready to unlock these hidden opportunities for growth?

The missed potential behind declined applications

There are over 5.5 million SMEs in the UK, and around 30% of these have sought finance during the last three years, according to The British Business Bank. This equates to approximately 1.7 million businesses. Shockingly, over 50% of SMEs whose applications are declined do not seek alternative lenders.  

Perhaps even more alarming is that, according to data from Experian, up to 22% of declined commercial loan applications were from low-risk businesses. Customers that eventually secured lending elsewhere and performed reliably. That translates to tens of millions in potential lending lost each year.

In fact, some lenders found as much £14m of additional business identified that could have been written without increasing risk appetite.

We’re not talking marginal cases. This represents a large hidden group of viable businesses ready to borrow, but consistently overlooked.  

Why? The answer is poor data, legacy systems, and a lack of visibility into customer financial health; this translates into an inability to balance risk and opportunity effectively.

And, what about those that do not take up funding?

Of course, it’s not just poor decision making around rejections that cost lenders. There’s also the fact that many of those declined businesses don’t move on to seek funding elsewhere. Even worse are those approved application that do not convert and are not even followed up.

According to The British Business Bank’s latest Business Finance Survey approximately 30% of applications are discontinued, turned down, or failed to deliver the full amount of finance applied for.  As a result, there’s been a marked increase in the number of businesses who gave up, cancelled plans, or put their plans on hold due to issues accessing funding.

This is a huge blind spot, and yet also a huge opportunity to differentiate in a crowded market.

Often applications aren’t taken up, or are cancelled due to complexity, poor onboarding experiences, lack of follow-up or unnecessary delays in the application process. This undermines lender performance, especially when these applications could have been saved if the lender were equipped with the data-driven intelligence to spot hidden opportunities, drive more accurate decision making in terms of risk vs. reward, and become more proactive around customer engagement.

Traditional approaches are falling short of the proactive financing businesses require

A major factor behind these missed opportunities is incomplete data, leading to a lack of ability to lend smarter and support faster.  

Many lenders still rely on siloed financial data, outdated risk models, and manual checks. These often result in unnecessary declines, or missed opportunities to re-engage customers that do not take up lending offers.

The cost? Not just lost revenue, but missed opportunities to build relationships with the growing number of businesses seeking finance in the UK.  Indeed the SME sector alone is expected to require finance to the tune of £70 billion by 2030.

Mind the gap: How to find the hidden wins

To unlock these opportunities, lenders need more than just better models, they need access to real-time insights into a commercial customers’ full financial footprint.

Until now there was another glaring gap. No single fintech provider had the capability to deliver the total market view of risk and opportunity across customer portfolios needed to equip lenders with the clarity to lend smarter, support faster, and grow stronger client relationships.

Usher in a new era of smarter lending with nCino ProBanker.

ProBanker uniquely consolidates financial data to deliver a view of every business customer’s liquidity, debt exposure, and cash positions, helping lenders quickly identify viable applicants, even among those previously declined or dormant.

Through intuitive dashboards and automated alerts ProBanker delivers total real-time insight into a customer’s financial stability, current banking arrangements and outstanding financial commitments, as well as credit search data to identify businesses actively looking for financial products - giving early insight into changing credit needs.  

No other platform available in the market right now has the richness of data or AI-powered capability needed to reveal hidden lending opportunities without increasing risk exposure or workload.

Opportunities hide in the gaps, make sure you don’t miss them

Rejected or disengaged applicants, if properly understood and engaged with, can become some of the strongest additions to a lender’s book of business.

To truly compete in today’s market, lenders must stop seeing declines and applications not taken up as dead ends, and instead start viewing them as opportunities for growth.

Explore and never miss an opportunity again. Book your free discovery session now:

• Guided demonstration and executive briefing of nCino ProBanker
• Walk through of functionality, data processing, and how we deliver ROI
• Deep dive into your business goals to produce a customised recommendation for implemenation and transformation.

In the high-stakes world of commercial lending, timing is everything. Yet many frontline relationship teams are working with an incomplete picture, often flying blind when it comes to key indicators of customer health. While the credit & risk teams are equipped with rich data on a customer’s borrowing patterns, affordability, and risk of default, the insight doesn’t always flow downstream. And when insight is trapped in the middle, critical moments such as growth opportunities can be missed.

Why is insight stuck in the middle  

Credit and risk data often reside with the middle office of financial institutions – within credit analysts and governance teams. While this ensures compliance, it unintentionally isolates valuable customer information from the very teams who engage with customers daily – the relationship managers on the front line.  

Why the signal breaks down:

• Legacy systems that separate relationship management and credit workflows.
• Manual reporting cycles that lag behind events as they happen.
• Cultural silos that treat Risk as a control function rather than a growth partner.

As a result, Relationship Managers often work without visibility into early warning signals or indicators of demand, thereby slowing their response and limiting their ability to act with speed.  

The cost of inaction

When Relationship Managers don’t have timely access to key insights, they often miss key moments. That moment could be a subtle sign of financial distress or a signal of growth that could lead to deeper client engagement. Without access to market-wide exposure or affordability signals, front-office teams must navigate a number of challenges:

• Miss early warning signs of cash flow distress
• Unable to make suitable product recommendations balancing customer needs and bank’s risk appetite  
• Lose upsell or cross-sell opportunities

This lack of access to timely data not only creates friction in customer experience but also potentially slows down access to capital and ultimately weakens customer trust. When Relationship Managers rely on static reports or internal data views that lag behind real-world customer behaviour, it limits their ability to respond when & where it matters most.

Activating the frontline: An Opportunity

Modern commercial banking demands a shift in mindset. Insight should no longer be contained. It must be made accessible to front line teams.

When Relationship Managers have access to timely data on affordability, indebtedness, recent credit activity and early risk signals, the benefits comes thick and fast:

• Engagements improve, becoming more relevant and proactive
• Decisions are quicker and more aligned with risk appetite
• Customer outcomes strengthen, improving retention and trust

The strategic role of Risk in customer growth  

Risk functions are essential for financial stability, but they play a pivotal role in growth. The most progressive banks are reimagining risk from a control function to a strategic partner. By integrating credit and risk insights into frontline workflows, banks can support more tailored, needs-based lending conversations with their customers.

This shift doesn’t mean loosening controls. It means applying intelligence earlier, enabling smarter lending conversations, faster interventions, and greater alignment between credit appetite and customer demand.  

In this scenario, risk is not only a shield, but a catalyst for better commercial outcomes.  

Unlocking the power of shared insight

Bringing critical insight to the front office creates a ripple effect across the lending value chain:

• Time to fund accelerates, as manual risk assessments are replaced with rules-based automation Customer conversations shift from reactive to proactive, and data-backed growth opportunities are surfaced earlier.
• Portfolio performance improves, driven by earlier identification of emerging risk and better engagement with higher-potential accounts.

Financial institutions already sit on powerful data assets, from internal to regulated third-party datasets. The opportunity isn’t to gather more data but to make what already exists accessible and actionable for those who are closest to the customer.  

The future of smart lending is about unlocking the right data at the right time. When middle-office insights meet the frontline, you change the game. Explore FullCircl ProBanker today.

Now more than ever, banks need to focus on customer affordability.

Latest industry data shows that demand for SME funding is strong. In fact demand is up 11% year-on-year, and loan values are at levels not seen since before the pandemic. Worryingly, however, loan delinquency rates are also persistently high.

Research also suggests banks are ramping up their lending activity in line with market changes, but so too are alternative funding providers and digital challengers. As of 2024, challenger banks account for 60% of annual gross bank lending to SMEs.

The question is, how can banks make smart lending decisions that responsibly empower businesses in the current challenging landscape, whilst maintaining their market share risk appetite.

The answer is by expanding their commercial data sets.

In this blog we explore the power of CAIS and CATO for banks seeking to build a clearer picture of SME affordability, and therefore drive smarter lending decision-making.

What is CAIS data?

CAIS stands for Credit Account Information Sharing. It’s a system for financial institutions to share credit account information with credit bureaus. This shared data, includes details about credit commitments, payment performance and account status, thereby helping banks make informed decisions about lending and risk management.

Commercial CAIS is a shared database of around 18 million commercial credit accounts’ credit history that is contributed to by all major financial institutions and credit providers. It is maintained by Experian.

What is CATO data?

Commercial CATO, or Current Account Turnover data, is a dataset that provides banks with a detailed view of a business customers cash flow, including all transactions across its bank accounts. It's used to assist in building a deeper understanding of a business customer’s financial health, assess its ability to repay credit, and ultimately make fair and responsible lending decisions.

It is pulled together from monthly snapshots provided by banks and other credit providers.

So, why do banks still have issues with SME lending decisioning?

Multi-banking is a significant issue, as is the availability of consented data.  

Together these create pockets of risk that make building an individual customer picture of financial health difficult and prevent banks from building a total market view for proactive portfolio risk management.

Why is it critical for banks to understand the true financial health of SME customers?

• Reduce risk of defaults and lower total delinquency rates: A complete view of financial health boosts understanding of each SME’s ability to meet its debt obligations, thereby protecting customers from financial distress, as well as reducing the risk of potential losses for the bank.
• Accurate scoring for appropriate loan amounts and terms: With deeper understanding banks can more accurately assess affordability, risk, and liquidity, and therefore set appropriate loan terms, rates, and repayment amounts to improve outcomes for SMEs and sustainable profitability for themselves.
• Enhanced portfolio sustainability: Sound lending decisions based on a total market view of SME lending helps banks build more sustainable and resilient portfolios, reducing risks for both themselves and their customers, especially in times of uncertainty.
• Support for wider economic growth: The UK government’s small business strategy is assessing the ability of the lending sector to overcome the barriers to finance and support that are so vital for economic growth.  Banks have a frontline role to play here. With a total market view they can tackle the SME funding gap and contribute to broader economic growth.
• Strengthened customer lifecycle management: A complete view of a business’s financial situation empowers better decisioning at every stage of the lending lifecycle – from acquisition to application, from funding to retention and growth. Thereby improving customer experiences and strengthening competitive advantage.

What decisions does this dataset power?

Together CAIS and CATO help banks build a detailed picture of commercial customer affordability.  

This enables banks to assess the risks associated with SME lending, determine appropriate lending limits for each customer, identify potential early warning signals of financial distress, and provide a better lending journey and customer lifecycle experience.  

Ultimately leading to a more responsible and effective lending environment for all.

Ready to unleash the power of CAIS and CATO data?

FullCircl ProBanker, built in collaboration with Experian, delivers real time access to restricted commercial credit data for a total market view of customer risk and opportunity across multiple financial institutions. This advanced ready-to-action insight supports smarter lending decisions, stronger customer relationships, and faster time to funding.

FullCircl ProBanker draws on an exceptionally rich dataset, with 148 commercial credit contributors and compete participation from all CMA9 Tier 1 banks. It assists lending providers:

• Access a total market view of a customer’s credit exposure
• Track affordability and liquidity in near real-time
• Strengthen portfolio health by identifying early warning signs of financial distress
• Accelerate time to funding
• Improve customer outcomes through proactive engagement and personalised outreach

Book a Probanker demo today.

Banks are under growing pressure to make faster, more accurate credit decisions, whilst managing risk exposure and improving customer outcomes.

Why?

There are several competing factors at play here:

• Customer expectations are ever more demanding – businesses expect instant decisions, a fast approval process, slick onboarding, and personalised solutions tailored to their financial profile and business needs.
• Fintech and digital challengers built with AI, machine learning, and robotic process automation are increasingly stealing market share thanks to fast, data-driven decision making.
• Regulatory pressure to avoid over exposure to credit risks, ensure the best possible customer outcomes, and drive a fairer lending ecosystem is intense especially in such an uncertain global economic environment.
• Over reliance on manual lending processes is not only hitting the bottom line hard in terms of labour costs and slower time to value, but increasing the risk of inaccuracy and customer churn.

To help banks get ahead of the curve of the broad challenges they face in commercial lending, FullCircl recently launched ProBanker. ProBanker delivers real-time visibility into commercial credit risk exposure, affordability, and liquidity across the entire UK lending market.

Here we explain why banks need this, why now, and what increased credit visibility means both for banks and their commercial customers.

What is the cost of incomplete credit visibility?

The backdrop for commercial lending - with changes in employers’ national insurance, trade tariffs, labour costs, and business rates – is challenging.  

More businesses are seeking funding than ever - it’s predicted that by 2030 the UK SME sector alone will require finance to the tune of £70 billion+. But demand is not always being met by banks.  

Without complete credit visibility banks are unable to fully understand customer needs and spot opportunities for growth.

One of those opportunities is the potential revenue from rejected applications. There are over 5.5 million SMEs in the UK, and around 30% of these have sought finance during the last three years, according to The British Business Bank. This equates to approximately 1.7 million businesses. Shockingly, not only is access to funding difficult, but over 50% of SMEs whose applications are declined do not seek alternative lenders.  

Additionally with limited visibility into a customer’s total financial exposure - outstanding debts, affordability, and liquidity – banks are left open to blind spots in risk assessment. Indeed a recent case study, documented that a tier 1 bank uncovered a £350m exposure to businesses struggling to meet repayments on debts. Risk management is a pillar of successful lending and regulatory compliance, it's therefore vital that banks have a clear picture of customer behaviour and creditworthiness to mitigate risks across their entire lending portfolio.

Finally, the cost of a poor customer experience. According to FullCircl’s own research 38% of customers have abandoned account opening – much higher than banks anticipate. In fact, 98% grossly misjudge levels of drop-off. Without complete credit visibility banks cannot personalise lending strategies for commercial customers, onboard them as quickly and compliantly, or gain a total 360-degree view of evolving behaviours and needs to ensure retention and growth of their lending portfolio.

The problem of multi-banking

70% of UK business are multi-banked, add to that the increased risks associated with economic uncertainty and it’s easy to see how pockets of hidden risks are being created leaving banks exposed when it comes to their lending strategy:

• Reduced Visibility into Total Exposure: When a business has a range of funding solutions spread across several banks and alternative finding providers, each only has a fragmented picture of risk and may not therefore understand the full extent of affordability and suitability.
• Delayed decision making: With fragmented and incomplete data and insight it is hard for banks to assess creditworthiness and affordability, therefore slowing down decision making. This increases time to funding for customers, as well as time to value for banks.
• Missed opportunities: As mentioned without a complete view banks cannot spot funding gaps or evolving customer needs meaning businesses - particularly SMEs - are underserved and banks limit opportunities for growth.
• Greater risk: When banks have blind spots because of insufficient data or a lack of visibility it hinders their ability to accurately assess and mitigate risks, leaving them open to penalties for regulatory non-compliance.

How can FullCircl ProBanker help?

ProBanker, developed in partnership with Experian, is uniquely designed to empower banks with a total view of customer indebtedness, affordability, and credit risk across multiple lenders – helping them proactively manage risk, unlock lending opportunities, and deliver better financial solutions.

Total visibility features include:

• Cash positions: Cash balances, inflows, outflows, and rejected payments for enhanced ability to assess liquidity and financial performance.
• Product profile: Breakdown of outstanding debt across various credit products and insight into how businesses manage their borrowing.
• Credit account information: Outstanding balances, repayment histories, and total exposure for accurate creditworthiness assessments.
• Active search history: Historic credit search data for a deeper understanding into which businesses are actively looking for financial product.
• Continuous monitoring: Near real-time alerts on key financial changes, such as increased borrowing, liquidity issues, and risk signals.

Get first mover advantage – find out how your bank can transform complex data it into actionable insights for smarter lending decisioning across the entire customer lifecycle.

Book a ProBanker demo.

Remember back in February when I dived into the CMA banking survey results? We saw Chase UK storming ahead, with Starling and Monzo hot on their heels. The big takeaway was clear - digital banks were absolutely crushing it despite only holding 6% of UK primary banking relationships.

Well, guess what? The August results are in, and honestly, they're fascinating! The rankings have shifted again, proving just how dynamic this space is right now.‍

What's Fresh in the August 2025 CMA Results?

The latest CMA business banking survey has dropped some serious insights, and I'm excited to share what's happening in the commercial banking world.

Here's who's winning the commercial banking game right now:

1. Monzo - Absolutely crushing it! Top spot for both personal AND business banking
2. Mettle - NatWest's new digital business platform landing straight into second place (impressive debut!)
3. Starling Bank - Still holding strong in the top three

The reality check for traditional banks:

• The gap between digital-first and traditional approaches is getting wider, not narrower
• Customer expectations have clearly shifted - and they're not going back

Why This Matters

Back in February, at FullCircl we predicted commercial banks would need to seriously up their digital game. The August results prove this was right!

The digital divide is real - Monzo and Mettle are winning on experience, not just features.

Traditional banks are struggling - Despite large resources, the main high street banks can't reverse the current customer satisfaction trends.

New players make immediate impact - Mettle's second-place debut shows that getting the formula right from day one pays off.

So, what should commercial banks actually do

Let's get practical with some ideas:

1. Make digital actually work for business customers

I'm not talking about just having an app, it's about creating an experience:

• Lighting-fast account opening - why should it take weeks when it could take minutes?
• Real-time everything - cash flow, transactions, approvals. Business moves fast, tech should too
• Mobile-first lending - your SME customers are making decisions on their phones, not in the boardroom

2. Relationship management gets a tech makeover

Your relationship managers are gold, and they need the right tools:

• AI-powered insights - help them spot opportunities before customers even know they need them
• Integrated customer views - no more "let me check another system conversations
• Proactive communication - use data to reach out with solutions, not just problems

3. Streamline, streamline, streamline

Business customers have zero patience for clunky processes:

• One click-everything - applications, approvals, account management
• Automated compliance - make regulatory requirements invisible to customers
• Instant decisions - for standard lending and credit, speed beats everything

CMA results aren't just numbers on a page.

What are successful commercial banks doing:

• Customer obsession - every decision starts with "What does our customer actually want?"
• Tech as a differentiator - not just digitising old processes, but reimagining what banking could be
• Speed and simplicity - making complex business banking feel effortless

Business customers don't want banking to be complicated. They want it to work seamlessly in the background while they focus on growing their companies.

The bottom line

The message from both our February analysis and these August results couldn't be clearer: commercial banks that don't prioritise customer-centric digital transformation aren't just falling behind - they're becoming irrelevant.

But here's the good news - it's not too late! The banks that act decisively now, that genuinely commit to transformation rather than just talking about it, still have time to turn things around.

The question is: will you be proactive, or will you wait for next February's results to tell the same story?

Reach out to us to see how FullCircl an support your customer experience.