Over the past decade, established banks have worked hard to extend their products and services to retail customers who've moved onto digital touchpoints. But digital banking for small and medium-size enterprises (SMEs) has lagged. SME owners use a range of apps and websites, but banks' own digital services often trail those of the disruptors that are filling the gaps. As a result, established bank brands risk disintermediation. Digital banking teams need to shift from product-focused approaches to strategies and services designed around SME customer outcomes.