Episode 2

The Triple Bottom Line of Digital Transformation

Published on: 4th April, 2025

In this episode, Jay Tikam introduces the concept of the Triple bottom-line impact of digital transformation. How it can simultaneously improve organisational performance, drive social impact, and contribute to environmental sustainability. Through a rich and detailed case study of a fictional "SME Bank," Jay illustrates how digital transformation can be used to:

  • Reach underserved micro-businesses
  • Reduce operational costs
  • Enable financial inclusion
  • Improve loan risk assessments through alternative data
  • Launch green loan products aligned with ESG goals

🧠 What You’ll Learn:

  • The challenges facing traditional banks in a competitive digital landscape
  • How digital-only models reduce cost-to-income ratios
  • The use of AI and alternative data for fast, accurate loan decisions
  • The role of financial education tools in reducing default rates
  • How green lending schemes can benefit the planet and boost market position?
  • How this strategy led to:
  • 200% increase in customers
  • 24% profit margin
  • Nearly doubled market share

đź’ˇ Key Takeaways:


  • Digital transformation isn’t just tech, it’s a tool for real, tangible impact.
  • By targeting micro-businesses, SME Bank unlocked a much larger market.
  • AI-driven decision-making and financial education improved risk management and customer retention.
  • ESG-focused products aren’t just ethical, they’re profitable.

🔍 Mentioned in This Episode:


  • UK Department of Business and Trade SME stats
  • British Business Bank’s Growth Guarantee Scheme
  • Open Banking, Xero, QuickBooks, Shopify, Stripe, PayPal
  • Sustainability scoring and green loan initiatives

đź“Ł Connect:

If you found this episode insightful, share your thoughts on social or drop a comment on YouTube. Let’s continue the conversation around purpose-driven digital transformation.

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About the Podcast

Impact with Digital
Innovating, Adapting, and Succeeding in the Digital Age
Impact with Digital, hosted by Jay Tikam, explores the strategies and insights behind successful digital transformations in the financial services and public sectors. Each episode features expert-led discussions on how businesses can adapt to the digital age by focusing on people-first strategies, rather than just technology. From practical advice on frameworks like the SWIFTER model to in-depth case studies, Jay and his guests share real-world experiences and lessons on how to achieve sustainable change. Whether you're navigating digital transformation or seeking to understand its impact, this podcast offers valuable perspectives for leaders and decision-makers.

About your host

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Jay Tikam

Jay Tikam is the visionary host of Impact With Digital and the CEO of Vedanvi, a strategic advisory firm that helps companies achieve high-impact digital transformations. With a global career spanning over two decades, Jay has worked with financial institutions, scale-ups, and regulatory bodies across both developed and emerging markets.

Renowned for cutting through digital hype with clarity, Jay brings a unique perspective that blends strategy, stakeholder-centric thinking, and actionable insight. He’s passionate about helping CEOs and boards move beyond buzzwords—like "digital-first mindset" or "culture change"—to make smarter, high-ROI digital decisions. Through his stakeholder-first framework and deep experience with transformation audits, he equips leaders to avoid the 70% failure rate that plagues most digital initiatives.

Whether he’s unpacking billion-dollar missteps or highlighting real-world case studies, Jay's mission is simple: empower business leaders to listen, learn, and lead meaningful transformation that creates lasting impact—for the business, its people, and society at large.