What differentiates SME and corporate distribution from consumer channels?

SME and corporate clients require customised products, negotiated terms, and relationship-driven service. Onboarding involves underwriting, credit assessments, and multi-department approvals. Consumer channels can scale through standardised digital onboarding and product offerings. Hybrid models often emerge, combining relationship managers with automated workflows. Evidence indicates tailored SME channels reduce default risk and increase cross-sell effectiveness (World Bank SME Finance Forum, 2021; McKinsey, 2022).