Segmentation breaks the SME market into smaller groupings so that like customers may be served with products, staff, and processes that meet their needs, and the bank can prioritise target SME markets. This Technical Note describes the different ways the SME market may be segmented and shows the steps for making segmentation choices.
The aim of this book is to stimulate debate on how we analyse and think about the future of market development and its implications for poverty and growth. The book was commissioned by Financial Sector Deepening (FSD) Kenya as an invitation to scholars to dig more deeply into the data that have been collected over […]
This guide provides detailed, step-by-step guidance on how banks with limited historical portfolio data can use simple analytical tools and methods to develop, test and improve their on credit scoring models.
This Technical Guide provides detailed information on implementing a segmentation strategy as a series of steps, and covers portfolio analysis and data mining, credit evaluation,staffing, segment product bundles, and delivery and marketing channels. The prerequisite documents, the implementation process, and the benefits of each step are described.
This technical note introduces the topic of credit scoring, discusses the different contexts in which such systems are used, the benefits of using these systems, and the challenges faced in developing and implementing them.
This tool provides a list of questions designed to be used in undertaking an initial benchmarking review of a bank’s current SME banking performance, its strategic orientation and commitment to developing a stronger SME banking offer.
This guide has been developed to assist financial institutions that intend to define/review their offer for their SME banking segment. It explores a five step process that the institution may employ in order to arrive at a winning value proposition