In the current deposit environment, small business is a highly attractive segment, particularly because, among other advantages, it represents low betas with higher average balances than commercial and any of the consumer segments. At the same time, the profitability of mass-market consumers has declined from two years ago because of the massive reduction in NSF/OD fees.

Sponsored by Lendio Join us as we share insights from new research conducted by American Banker in partnership with Lendio that explores how banks view the future of small business lending. More specifically we will discuss the extent to which banks are prioritizing SMB lending, the challenges commonly faced and the role automation can play in driving efficiencies and scale.

Sponsored by Uplinq Financial Technologies, How have banks responded to the needs of diverse-owned businesses and what is expected in the future? Multicultural programs have traditionally been important to banks as they address CRA and LMI requirements.

In many banks, consumer banking is the delivery system "elephant" that dwarfs small business banking by scope and volume. Frequently, major Consumer Banking initiatives divert or push aside small business banking efforts. Does it have to be this way? More than "where does small business belong?", how can retail strategy and small business strategy align more effectively to generate better results for both?

More women have started businesses during the pandemic -- and since then -- compared to white males. Why? What do women entrepreneurs need to begin their journey as small business owners?

The right mix of products for small businesses - what's working, how is it evolving?

How do different banks' definitions of small business affect their marketing, sales, branch, credit/risk, product, and operational approaches to this segment? This session will explore the benefits and drawbacks of different segmentation strategies, and the implications for acquisition, service, support, and profitability

*CE Eligible* Segmenting and engaging small businesses (in new ways) and offering them products and services based on their distinct needs so as to engage and deepen relationships via digital and/or banker relationship.

Small businesses have faced an unprecedented series of challenges over the past few years and accessing traditional finance can be challenging for business owners during the best of times, but in a tough economy it can seem nearly impossible.

Small businesses need digital and online banking tools to stay competitive in a digital-first world, but small business banking is fundamentally personal. So, what's the right balance between human and digital? Hear how these banks are serving their small business clients.

How to have a winning SMB strategy that delights clients How financial data and insights supports SMB growth and impacts a financial institutions P+L Including a technical data layer in your business banking operations is the key to building long term relationships with customers

Explore the transformation of ESL member business lending through their partnership with Baker Hill to revolutionize their lending and portfolio management processes. Join us for a captivating case study presentation that showcases how this century-old institution went from concept to 30 employees and $1 Billion in exposure in 13 years.

SPONSORED BY: NYMBUS Rethink your strategy to serve SMBs with a focus on bespoke tools and support with Nymbus and Locality Bank. Deepen your institution's impact and be at the forefront of the transformative future of SMB banking.

Winning The War For Deposits – A Framework For Growth. What You'll Takeaway How do we move away from competing on rate to building a cost efficient, sustainable deposit base? Short-term levers to consider for generating deposits quickly Long-term levers that will cultivate sticky, primary banking relationships

Why do small businesses accept a loan, line of credit, or even credit card, and then never actually use it? This session will explore the potential disconnects that exist between targeting and messaging small businesses and their actual needs, the challenges and delays of the application process, and opportunities to improve the activation process.

Learn how to deliver an exceptional customer experience through intuitive digital banking products and a mobile platform that are tailored to small business banking needs What You'll Takeaway Embody a client-centric approach: Delivering an exceptional, personalized experience is integral to serving small business clients, as each has their own unique banking needs.

Learn tactics needed in a virtual world to achieve sales growth, NPS targets, and the coveted 'trusted advisor' status. Client loyalty and profitability rise with frequent personal contact from assigned account officers who understand clients' industries and cash flows, but… the in-person model can be inefficient and expensive.