The multiplier effect: Visa 2026 small business banking report
Unlock the full value of SMB relationships:
5x average return from SMBs compared to consumer banking customers, globally1
44% of SMB bank revenue globally is driven by cards1
2x average number of products used by cardholding SMBs globally, compared to those without cards1
There’s a value multiplier sitting inside most banks’ existing data that few have fully recognized: an SMB owner banking with you is worth, on average, five times more than a consumer banking customer.1 And when a bank holds both the business and personal relationship, the multiplier effect compounds.1 What’s the single most significant SMB revenue driver for banks globally? Cards.1 They generate transaction data that enables smarter credit decisions, which can unlock lending, deepen the relationship with the small business owner and ultimately increase customer stickiness and revenue. These insights and the many others shared in The multiplier effect: Visa 2026 small business banking report are based on in-depth research and analysis from a survey of over 5,600 SMB owners and interviews with SMB banking leaders at traditional banks and select fintechs across North America, Europe, Latin America, Asia Pacific and CEMEA.
1 – KoreFusion analysis. June 2025-March 2026. Data based on a survey of 5,689 SMB owners and interviews with financial institutions across Asia Pacific, CEMEA, Europe, Latin America and North America.
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