SHIVAYA FINANCIALS Small Businesses

To get ready for growth and recovery. To drive down cost and build a resilient business. To handle major market changes with flexibility and efficiency. We're proposing a three-phase approach we call ‘Respond, Reset and Renew': Respond looks at how banks handle the massive surges in customer demand while adopting best practice remote working and maintaining staff health, safety and security. This involves balancing the human touch with AI and automation, shifting customers to digital and partnering for speed. Reset looks at how banks drive down cost and protect profit. It focuses on developing end-to-end digital processes, driving a variable cost structure through cloud adoption, managing credit risk and rationalising property portfolios.