VINNO Business
SME Banking Platform
SME BANKING PLATFORM is a modular and white-label digital Small Business Banking platform that enables banks and financial institutions to rapidly launch SME-focused financial services under their own brand. The platform combines banking services, payment infrastructure, accounting capabilities, financial operations, and business management tools within a single SME-oriented ecosystem.
Integrated Banking for
the Underserved SME Economy
- Business Banking Services
- Financial Operations and Accounting
- Digital signature enablement
- Payment and Settlement Infrastructure
- User and Access Management
- API and Integration Layer
- SME Operations Management
- Audit-ready service operations
Everything Needed to Run a Digital Bank
• Digital onboarding and remote account opening
• Transfers, bill payments, check management, and corporate banking operations
• Working-capital financing solutions, dynamic credit lines, BNPL and installment financing
• Invoice financing and supply-chain finance capabilities
- Digital account opening and closure
- Account inquiry and transaction history
- Account statements
- Initial and replacement card issuance
- PIN generation, reset, and change
- Internal transfers
- Interbank transfers
- Account-to-account transfers
- Payment services
Integrated Banking for
the Underserved SME Economy
API-first
architecture
Real-time transaction processing
Modular service-based architecture
Growth Levers for SME Banking
- SME onboarding speed
- Daily active SME engagement
- Transaction volume growth
- Deposit retention and CASA growth
- Fee-based revenue generation
- Time-to-market for new services
Controlled Access for
Business Banking Operations
- End-to-end data encryption
- Regulatory compliance readiness
- Role-based access control
- Support for alignment with local regulatory requirements and BSP standards
- Full audit trail and activity logging