Reassembling the SMB Financial Experience: From Chaos to Control

Small and medium-sized businesses are navigating an increasingly fragmented financial landscape—often using multiple banks, fintechs, and standalone tools to manage cash flow, payments, invoicing, and payroll. The result is higher costs, operational inefficiency, and limited visibility into cash position. In this session, we’ll unpack new SMB survey data and market research that reveals how much SMBs are really spending across their financial stack, where fragmentation is creating the most pain, and why many financial institutions are underestimating both the size of the opportunity and the risk of inaction.