Over the review period, Santander executed a strong pan-European digital strategy that delivered advantages for small and medium-sized enterprises. Guided by a common operating model and its proprietary Gravity/ODS technology, the bank grew its SME customer base by more than 8 million in 2024 alone, while lifting digital sales to double-digit growth across nearly 8,000 advisory branches.
PagoNxt, Santander’s paytech built “for business, by business”, now serves merchants in over 20 countries, giving SMEs a single gateway for domestic, cross-border and value-added services.
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