Microfinance and SME finance markets are constantly changing:
- New market segments have emerged, notably due to the increasing size of client enterprises and changes in the economic and social environment
- New needs have arisen, in terms of payment and transfer services or innovative equipment financing, while traditional needs such as housing and education financing remain under-served
- While competition among financial institutions has become stiffer, especially in urban areas
Innovation in financial products and services is a major challenge for financial institutions seeking to expand in new markets. This needs to be addressed as part of a permanent market-oriented approach.
HORUS supports financial institutions throughout the marketing cycle