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  "documentTitle": "Creating the best SME Debt finance ecosystem",
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      "text": "Summary of transformation in NL banking model: Since 2010 the Netherlands has lost 73% of its bank branches... The branch-banking model relies on branch managers... The result of this trend is that Netherlands has the fewest commercial bank branches...",
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      "text": "1. ECB, 2022; 2. World Bank, 2021",
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      "text": "ORIENTATION ROOT CAUSES: BANKS ARE STILL THE PRIMARY ORIENTATION CHANNEL, BUT BANK SUPPORT IS REDUCED WITH THE DECLINE OF THE BRANCH BANKING MODEL",
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