PROOF & MATH

The Numbers That Matter

$265+ monthly profit per SME
$3.1M+ annual revenue per 1,000 SMEs
$7M+ scalable revenue potential

The Model Behind the Numbers

Ordware transforms SME banking into a multi-layer revenue engine.

  • Acquisition at scale
    Zero-friction onboarding across the SME sector
  • Structural retention
    Businesses depend on the operating layer
  • Deposit growth
    Increased current account balances and low-cost funding
  • Data-driven lending
    Real-time operational data enables precision credit
  • Non-interest income expansion
    Monetization across transactions, services, and workflows

Real-World Validation

Proven in one of Europe’s most regulated environments.

  • 26 months of live commercial operation
  • 265,000+ real transactions processed
  • Full compliance with real-time fiscal reporting (NAV / NTDSC)
  • Near-zero maintenance and operational overhead

Calculation Transparency

The model is based on real market data and validated operational performance.

Base Assumptions (Hungarian Market Benchmark)
Parameter Value
GDP (PPP) per capita $40,720
Avg. SME annual revenue ~$314,500
Payment commission (IC++) 1.1%
Monthly account fee $31.50
Transfer commission 0.1%
Cash deposit commission 1.0%
Cost of funding (BUBOR) 6.5%
Validated Operational Data
Metric Value
Number of clients 12
POS terminals 17
Avg. annual turnover/client $319,659
Total transactions 265,180
Total ecosystem turnover $3,835,916
Cash ratio 33%
Card ratio 55%
Special card ratio 11%

Additional Revenue Upside

The $3.1M baseline does not include several high-margin revenue streams.

  • Cross-selling to individuals
    SME owners and employees as direct retail banking customers
  • Advanced credit scoring
    Real-time turnover and inventory data for low-risk lending
  • BNPL & consumer finance
    Embedded directly into the point of sale
  • B2B supply chain monetization
    Procurement commissions from supplier networks
  • Strategic Brand & ESG Upside
    Long-term brand equity and market positioning through ecosystem-driven economic support

These represent significant additional upside beyond the core revenue model.

Scalability

The model scales with market size and economic strength.

Higher GDP environments and transaction volumes act as natural multipliers, increasing revenue potential per SME significantly.

From 1,000 clients to millions — the model scales linearly, while infrastructure cost remains minimal.