Innovative Supply of Services Intended for S.M.Es. Through Bank Branches

Abstract

In Italy, the strong competitive environment has progressively reduced the credit intermediation role of banks. For Italian banks, SMEs represent the most important segment among the corporate ones and many ICT products / services suppliers are now giving great attention to SMEs, since the market of big companies tends to become saturated. In this context, there is the possibility to delivery new products and services to SMEs through the counters of a bank. These products and services already exist but are not usually offered by banks. The aim of the paper is to identify the portfolio is the most adequate for the SMEs demand and the bank delivery, in the Italian environment. Furthermore, the paper considers the portfolio segmentation and it estimates the accessible market and the project revenues on the basis of some estimation models.