SME companies from different industries usually have dissimilar requirements when it comes to digital banking services. By creating a focused set of functionalities for every industry type (retail, transportations, services, etc.), the bank can successfully provide services to all of their SME customers. Banks often work with micro, small and medium enterprises that recognize the importance of digitalizing their services. Micro and small enterprises usually have simple financial needs and pre-defined products. Medium enterprises require more advanced processes, have more complex financial needs, and usually need third-party integrations and advanced payment authorization.