Small and medium businesses no longer fit neatly into consumer or commercial banking categories, creating strategic blind spots for financial institutions, and challenges for misaligned internal incentives and structures. . This session explores how SMBs increasingly expect consumer-grade digital experiences combined with commercial-grade capabilities delivered through seamless onboarding and support. Discover how leading banks are reorganizing around SMB needs, which capabilities matter most for retention and wallet share, and where embedded finance platforms are capturing SMB relationships before banks even compete.