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SMEs - the underestimated customer segment in banking

Over 99 percent of Swiss companies have fewer than 250 employees, most of them being micro-enterprises with fewer than ten employees. Common corporate banking solutions are too complex for many SMEs, while private banking solutions lack important functions. By expanding our banking platform, SMEs receive a banking service that meets their requirements: Namely, to handle banking transactions in an uncomplicated, fast, and where possible, automated manner.

More than just E-Banking

Every SME is different. As a heterogeneous segment, SME customers need more than just an e-banking solution tailored to their needs. Our ti&m SME Banking consists of our banking platform, the Banking Workflow Hub, and other building blocks developed for SMEs that help banks realize their individual SME banking offerings.


Personalized Support with Technological Assistance

Digital consulting approaches with omnichannel support and AI-assisted automated processes offer a comprehensive and fully digital consulting experience.


Efficient and Fast Processes

Optimized interaction and sales processes ensure higher market penetration while reducing costs. SME requests, e.g., for loans, are quickly addressed through automated regular scoring.

Customer Experience

Intuitive and Simple

An intuitive user experience, optimized UI, and extensive self-service features support SMEs in managing their daily business.


Expansion of Product and Partner Offerings

Accounting, taxes, or sustainability: By expanding services to include products and integrating partners, banks secure long-term loyalty from their SME customers.

Banking Workflow Hub – Centralized Customer Requests and Automatic Case Routing

Digital and faster self-service for many use cases optimizes customer-bank interaction and allows for individuality. Our Banking Workflow Hub offers SME customers an overview of all processes and the ability to directly manage documents and processes.

An example: SME customers regularly need to submit documents like balance sheets to their bank. In our Banking Workflow Hub, banks can automatically remind their SME customers to upload the required documents to the Hub. If the wrong document is uploaded, the bank notifies the customer, who then resolves the open case and replaces the documents. All this happens in a matter of moments, without emails or phone calls.

With our SME banking solution, banks can create a customised banking workflow hub and case management system that is best suited to their SME customers.

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Why ti&m Banking

What makes us the right solution for your bank.

Swiss banking expertise

Made in Switzerland

With over 25 Years of experience as the leading software provider for the Swiss financial services industry, we understand the market, the developments and the trends as well as your challenges.

Technological excellence

Leading technology

Our solutions have been recognized by banking analysts on a global scale. We offer the most sustainable and most complete banking platform in the market. You can rely on that.

Minimize your risk

A partner from beginning to end

We guide you through the entire implementation project, making sure you will have a working platform in the end. With a team of designers, engineers, consultants and project leads, we have the full spectrum of experts you need to be successful.

Digital SME Banking: Self-Service and Success Strategies

Watch the webinar on our SME offering

Discover our ti&m Banking

Find out more about our banking solution in our free flyer. Download now!

Fabian Braunwalder

Head of Products & Banking Innovations

Fabian Braunwalder

Would you like to offer your SME customers a better banking experience? Then contact us now.