For many SME banks, digitalisation still means moving more transactions onto an app. Itaú Unibanco’s goal – and delivery – is more ambitious. It has taken the scale of a Latin American universal bank and applied a digital-first mentality to almost every part of the SME relationship: onboarding, daily banking, credit, payments, advisory and relationship management on an AI-powered backbone.
That distinction matters because SMEs do not want more bank products; they want less friction, better timing and advice that reflects the reality of their business.
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