In this episode, Jay Tikam introduces the concept of the Triple bottom-line impact of digital transformation. How it can simultaneously improve organisational performance, drive social impact, and contribute to environmental sustainability. Through a rich and detailed case study of a fictional "SME Bank," Jay illustrates how digital transformation can be used to:

• Reach underserved micro-businesses
• Reduce operational costs
• Enable financial inclusion
• Improve loan risk assessments through alternative data
• Launch green loan products aligned with ESG goals

🧠 What You’ll Learn:

• The challenges facing traditional banks in a competitive digital landscape
• How digital-only models reduce cost-to-income ratios
• The use of AI and alternative data for fast, accurate loan decisions
• The role of financial education tools in reducing default rates
• How green lending schemes can benefit the planet and boost market position?
• How this strategy led to:
• 200% increase in customers
• 24% profit margin
• Nearly doubled market share

💡 Key Takeaways:

• Digital transformation isn’t just tech, it’s a tool for real, tangible impact.
• By targeting micro-businesses, SME Bank unlocked a much larger market.
• AI-driven decision-making and financial education improved risk management and customer retention.
• ESG-focused products aren’t just ethical, they’re profitable.

🔍 Mentioned in This Episode:

• UK Department of Business and Trade SME stats
• British Business Bank’s Growth Guarantee Scheme
• Open Banking, Xero, QuickBooks, Shopify, Stripe, PayPal
• Sustainability scoring and green loan initiatives

📣 Connect:

If you found this episode insightful, share your thoughts on social or drop a comment on YouTube. Let’s continue the conversation around purpose-driven digital transformation.

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