Shiona Davies Director BDRC Continental & Editor, SME Finance Shiona Davies is an acknowledged expert on SME finance and the author of the SME Finance Monitor, a half-yearly report looking into SMEs and their access to finance. This independent report, published by BVA BDRC since 2011, is used by government, banks and business groups to inform the debate around lending to SMEs. It has been quoted widely in the national and international press and Shiona regularly presents its findings at events and conferences. Shiona’s background is in financial services: having started her career with NatWest, she moved to the research agency in 2000 and has been involved in a number of major assignments for financial and public sector clients, including the SME Finance Monitor and the new Independent Service Quality Survey for business current accounts, with results published online and in all major bank branches.