Banks must deliver concepts that meet requirements in order to remain relevant to business customers. The key here is to embed products and services in the customer experience in a meaningful way. The involvement of external partners should also not be ruled out if services complement the bank’s own offering in a meaningful way. Due to the heterogeneity of the segment, a clear focus on core products is helpful. In contrast to retail banking, many institutions currently still offer a wide range of products and services, such as account models. 

On the one hand, a modular product concept enables sustainable customer-centric orientation and efficient management. On the other hand, the modular approach enables flexibility and freedom of choice for the business customer and offers the consultant new opportunities to offer targeted solutions while reducing complexity. The relevance of modular and thus individually designable products will continue to increase in the small and medium-sized enterprise segment in the future, thus displacing simple package deals in the long term.