"The bank didn't just want to improve the SME experience — it wanted to re-imagine it."
A major Australian bank identified Small to Medium Enterprise (SME) as one of the least supported groups in its customer base. To bring real value to SMEs and grow market share, they needed a powerful digital product built specifically for SME needs.
By engaging Kablamo, they embarked on a research-based product development journey that would culminate in a next-generation SME financial cloud platform.
The challenge
While the bank had an innovation arm tasked with new product development and access to vast amounts of external and internal data, they needed a partner to drive world-first innovation.
The goal wasn't incremental improvement — it was to completely re-imagine the SME banking experience using data, machine learning, and cloud infrastructure.
The approach
A next-generation SME platform built on cloud-native infrastructure with machine learning capabilities.
Kablamo launched a program of deep consultation to comprehensively map the needs of SMEs. Unlike traditional design agencies, Kablamo does not let user research slow down build of reusable and flexible solution components.
Within two weeks of kickoff, we had a working customer landing page in AWS, animation and mock branding. In parallel with around 200 hours of user testing, Kablamo worked with the bank to design and build a cloud-native SME digital platform.
The approach included:
- 500+ user interviews balanced with rapid product development
- Intelligent data platform with machine learning capabilities
- Secure cloud infrastructure with easy partner integration
- UX testing to hone algorithm outputs and recommendations
Results
A thoroughly researched next-gen SME financial platform was launched into a closed pilot, with real customers and their banking data, within 12 months of kickoff.
Looking forward
The platform delivered new customer value via an intelligent data platform using machine learning and a great customer experience. Features included an accounting solution with financing options, ASP integration, and invoice reminders and alerts.
This marked another major step for the bank to become cloud-based, agile and future-ready.
