The Paycheck Protection Program laid bare the challenges banks have in moving quickly when there is an antiquated set of procedures and technology for most small business lending; this has allowed fintech lenders to swoop in and pick up significant new business with fast and tech-centric business processes; in most banks small business lending is a manual process that is frustrating for both the small business and the bank; banks need to digitize and create an API-centric small business lending operation but this will be an expensive proposition; Accenture estimates it will take $1 trillion over the next three years to bring all banking operations online. The Financial Brand.