Case Study: Multinational African Banking Group unlocks SME growth with 11:FS Ventures

Multinational African Banking Group builds a validated SME proposition in 3 weeks with 11:FS

11:FS Ventures was engaged by a multinational African banking group to address a key challenge. The bank had extensive payments capabilities but lacked a proposition-led approach for its SME customers. It needed to move beyond basic functionality and create digital services truly rooted in the real-world needs and pain points of small and medium-sized businesses across Africa.

The solution involved an intensive proposition lab led by 11:FS, blending customer immersion in markets like Ghana with Jobs to be Done methodology and design sprints. This resulted in a validated SME proposition, a minimum lovable product definition, a clear technology roadmap, and a compelling business case. The banking group emerged with an actionable delivery plan and an embedded internal capability for customer-led design, creating significant momentum for the project's next build phases.