Akkuro Powers Kamuno’s Mission to Set a New Benchmark For SME Lending in Switzerland

Akkuro, the composable banking platform designed for banks and fintechs seeking comprehensive banking capabilities, proudly welcomes Kamuno as its newest client. Kamuno, a Swiss fintech initiative backed by Urner Kantonalbank (UKB), is simplifying access to finance for small and medium-sized enterprises (SMEs) through a fully digital lending platform built with Akkuro’s modular technology. 

A new era of SME lending: composable, digital, instant 

Kamuno was established to address a persistent pain point in Swiss banking: providing SMEs with easier, faster access to credit, without the friction, paperwork, or long lead times that typically hinder their progress. 

With Akkuro’s composable lending stack as part of its core offering, Kamuno has launched a fully digital platform that allows SMEs to apply for financing online, receive an initial assessment within minutes, and complete the process entirely remotely, including digital contract signing. 

“Kamuno’s mission to simplify SME financing perfectly reflects the power of composable banking,” said Jamie Burink, Managing Director at Akkuro Lending. “We’re proud to be at the heart of Kamuno’s  modern lending journey, helping them launch fast, scale flexibly, and deliver a user experience that  truly puts the SME customer first.” 

Setting the new standard for SME lending in Switzerland 

SMEs are the backbone of the Swiss economy, yet many remain underserved by traditional banking  models. Kamuno’s platform addresses this gap by offering a truly digital alternative: frictionless,  transparent, and fast. 

“From day one, our goal was simple: radically reduce the complexity of SME financing,” said Regis  Lehmann, CEO of Kamuno. “Akkuro’s composable platform formed a key aspect of our technology  landscape, which allowed us to move quickly from idea to launch, without compromising on  regulatory control, security, or flexibility.” 

Laying the Groundwork for Agentic Banking with Microsoft and Akkuro 

As part of its innovation strategy, Kamuno is leveraging Akkuro’s bAIncs. The part being used is about the AI-powered Financial Spreading capability, developed in collaboration with Microsoft. This pilot marks more than just an operational upgrade; it’s a first step toward a new era of agentic banking, where intelligent systems can take initiative, anticipate client needs, and drive smarter decisions autonomously. 

“This isn’t just about automation, it’s about building the foundation for self-acting financial systems,” said Jamie Burink. “Our collaboration with Microsoft enables Kamuno to harness secure, scalable AI  services to interpret SME financials in real time and eventually make lending decisions more  predictive, personalised, and proactive.”

By integrating Akkuro’s financial spreading AI into its lending process, Kamuno aims to significantly reduce the time spent on manual document analysis, freeing up capacity for higher-value client engagement while setting the stage for increasingly intelligent credit workflows. 

The pilot is part of a longer-term roadmap to embed agentic capabilities across the lending lifecycle, from onboarding to monitoring, making Kamuno not only fast but also smarter by design. 

Backed by tradition, built for the future 

While Kamuno operates as an independent fintech, it is backed by Urner Kantonalbank, one of  Switzerland’s trusted regional banks. This hybrid model provides Kamuno with the agility of a startup, combined with the trust and stability of a long-standing financial institution. 

The collaboration with Akkuro highlights a broader trend across banking: institutions embracing composable platforms to drive innovation without the burden of legacy disruption.