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Episode 19: The future of SME banking – from digital transformation to operational efficiency

Host: Charles Green, Founder, RFI Global
Date: July 15, 2025
Region: APAC
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In this episode of Banking Uncovered, host Charles Green is joined by Rishi Lalwani, currently Global Head of Lending for SME Banking at Standard Chartered, to explore the evolving landscape of SME banking across Asia and the Middle East.

With over 17 years of experience in business banking and a focus on digital transformation, Rishi discusses his views on why now is a pivotal moment for SME bankers and how banks can better serve this dynamic segment.

Topics discussed include:

  • SME credit cards: Why 40% of SME owners use retail credit cards instead of business credit cards and the benefits of switching.
  • The pain points for SMEs in APAC: From digitization to cybersecurity, to accessing finance, and how banks can help solve them.
  • Digital-first solutions: Why digital innovation is the main driver for switching banks and how to meet the rising demand for digital offers at all stages of delivery, including onboarding, online banking and using alternate data for credit assessment.
  • The future of bank branches: Rishi speculates on the future of bank branches in a digital economy, envisioning virtual and digital branches with personalised services.
  • Foreign Exchange (FX): The role of FX in SME banking, highlighting the importance of a client-led approach, transparency and security.

Join us for an insightful conversation as we uncover the intricacies of SME banking and the digital transformation shaping the future of the industry.

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Podcast resources

Unlocking SME and retail banking growth in the JS-SEZ

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Webinar – SME banking in APAC is transforming. Are you digitally ready?

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