E-finance in a Developing Country Like India
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- ICICI Bank
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Overview: This paper begins with a backdrop outlining the importance of Small and Medium Enterprises (SMEs) in a developing country like India, the distinctive profile and needs of an SME customer and the unique challenges in SME banking. Against this backdrop the paper then highlights the weaknesses in traditional lending models followed by Indian banks, and which later set the pattern of lending even for the newly formed private sector banks. The paper then emphasizes how e-finance is a window to a new opportunity for SME customers as also for banks which cater to them. A brief perspective of the peculiarity found in the Asian and Indian business environment would be included to underline the complexity and therefore the added difficulties faced by Banks to facilitate e-finance models for SME customers.
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Format: PDF | Size: 143KB | Date: Oct 2001 | Pages: 11
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