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Tuesday, March 24, 2026
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Mambu’s Kunal Galav Highlights What Fintechs Can Do To Enter The SME Market

Kunal Galav, Global Head of Partnership Development at Mambu, sits down with FF News’ Douglas Mackenzie to discuss what fintechs and financial institutions can do to serve the SME market in the modern climate.

“It really boils down to 3 really fundamental things, that’s what do SMEs expect right? The first, is they expect a relationship. For someone to be there when they have a need. Not to need to go to a brick-and-mortar store. I would rather have, as an SME, my banker coming to me rather than me going to a brick-and-mortar shop and taking time away from my business.”

“Second is to focus on the problems that SMEs have and solving their banking problems. So, if you eliminate the banking problems, if you create the journey as frictionless, if it doesn’t take 57 days but a few hours to create a credit line, that’s where you’re solving the problem.”

“The third thing is digital channels, or digital banking, is actually an enabler of pace. If you think back to 10 years ago, an SME would go to a branch, they would get the cash and apply for a loan and then it will take about 60-90 days where they have a business of orders. Right? And, this process takes about 5-6 hours. The business operates 9-5, would you rather spend that time in a bank or with your customers?”

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