Publications

Credit Decisioning Engines in the Cloud

The global unbanked and underbanked market continues to grow exponentially each year, and will reach an estimated three billion individuals and over 250 micro, small and medium-sized enterprises (MSMEs) over the coming decade.

Publications

Publications

The Potential of FinTech in Banking
This report analyzes why collaboration — not competition — will be the primary driver of disruption in the FinTech industry. Ernst & Young Global Limited (EY), a UK company, analyzed 45 major global banks revealing that while all banks are engaged with FinTechs one way or another, only around a quarter are extensively engaged due to barriers...
High level Principles on feedback given by banks on declined SME credit applications
The majority of SME applications for credit are successful. In fact, close to 80 percent of all requests are approved. However, higher rates of growth can be achieved by helping those SMEs which have not been successful understand better what they can do to obtain financing. The EBF actively supports the initiative of strengthening feedback...
The financial system and productive investment: new survey evidence
The Bank of England has undertaken an innovative new survey that collects data on business investment and financing decisions — the first of its kind in the United Kingdom. About two thirds of UK businesses deemed that their investment levels have been appropriate in recent years, but one third felt that their investment had been too low...
Financing sustainable growth for SMEs globally: The case for a coordinated G20 policy approach
The global economy continues to perform below potential and suffer from significant uncertainty. Despite G20 leaders committing, in 2014, to measures aimed at raising GDP by 2% by 2018 a lack of structural reform and serious constraints for financing along Global Value Chains (GVCs) continue to drag on growth. Meeting the G20’s 2% growth scenario...
Retail banks wake up to digital lending
As retail banks gradually digitalize their activities, they’ve focused largely on the most frequent customer transactions, such as checking a balance or remote deposit. Much of the lending arena, with the exception of credit cards, has taken a back seat. Recent analysis by Bain & Company and SAP Value Management Center finds that most banks...
Financing SMEs and Entrepreneurs 2017: An OECD Scoreboard
Financing SMEs and Entrepreneurs 2017 provides information on debt, equity, asset-based finance, and framework conditions for SME and entrepreneurship finance, complemented with an overview of recent policy measures to support access to finance in 39 countries. The sixth instalment of this annual publication provides a solid evidence base to...
La PYMES: un segmento de importancia para la economia y para la banca
En America Latina, segun leralpymela (2012) la PYME contribuye al empleo con un 64% del mismo y al PIB en un 40% del total. Sin embargo, de acuerdo con el documento Economic Outlook 2013 SME Policies for Structural Change, la PYME encara un dignostico complicado dadas unas condiciones de baja productividad laboral y del capital, remuneracion...
G20 Workshop on 'Helping SMEs Go Global' : Chair's Summary
Hosted by the German Presidency on February 24, the G20 workshop “Helping SMEs Go Global - Moving Forward in SME Finance“, brought together more than 150 experts from G20 countries, development finance institutions, and the private sector to discuss issues related to advancing financial inclusion for small and medium-sized enterprises (SMEs)...
Bank Ownership: Trends and Implications
This paper presents recent trends in bank ownership across countries and summarizes the evidence regarding the implications of bank ownership structure for bank performance and competition, financial stability, and access to finance. The evidence reviewed suggests that foreign-owned banks are more efficient than domestic banks in developing...
Sponsorship Brochure - Global SME Finance Forum 2017
The Global SME Finance Forum is an annual global meeting of leaders from banks, fintech companies and government institutions, working on accelerating access to finance for small businesses. This year’s event will take place in Berlin, Germany, which also holds the G20 Presidency. The action-packed 3–day event will include study visits to high-...