How can FIs step in with solutions that alleviate these pain points, allowing SMBs to concentrate on growing their businesses while relegating banking to the background? “I think there are a few elements of that, but since SMB customers are willing to adopt technology, that's a start,” said Scott Beyer, U.S. Bank’s Head of Business Banking Digital Experiences during Tearsheet’s The Big Bank Theory Conference, held recently in New York. Beyers noted that a generational change is underway in the SMB landscape, with 77% of small business owners now adopting or planning to adopt technology to enhance their operational efficiency. This trend presents a valuable opportunity for FIs to enter the scene and create engaging digital experiences that resonate with the evolving needs of these businesses. He identified three key steps banks can employ to seize the opportunity and address existing gaps:  1. Ensure the availability of products and services 2. Build integrations 3. Focus on data reconciliation and harmonization