Small and midsize businesses (SMBs) represent one of the most powerful — and often underestimated — growth opportunities for commercial banks. With more than 33 million SMBs in the U.S. accounting for nearly all enterprises and almost half of private-sector employment, this segment is essential to long-term profitability. Yet many banks still struggle to meet SMBs’ evolving needs, leaving room for dissatisfaction, fragmentation, and attrition.
This report explores how modern digital tools can help commercial banks close the gap between what SMBs expect and what traditional banking platforms deliver. While SMBs continue to view banks as their primary financial partners, digital transformation has raised expectations for real-time visibility, seamless payments, integrated workflows, mobile access, and proactive fraud protection. Too often, SMBs are forced to piece together multiple providers to manage accounting, invoicing, payments, and cash flow — weakening the bank’s role and increasing operational risk.
The report highlights a clear opportunity: banks that deliver an integrated, intuitive, and secure digital banking experience can position themselves as indispensable partners in SMB growth. It examines how next-generation commercial digital banking platforms embed essential tools, including payments, invoicing, receivables, mobile banking, fraud prevention, and data analytics, directly into the banking experience to create a single hub for daily financial activity. You’ll learn which digital capabilities SMBs value most, how embedded workflows simplify operations and accelerate cash flow, and why mobile-first, fraud-aware, data-driven experiences are now baseline expectations. Most importantly, the report shows how these tools help banks move beyond transactional relationships to become trusted advisors to drive loyalty, deeper wallet share, and long-term growth.
Download the report to understand how the right digital toolkit can empower SMBs, strengthen trust, and help commercial banks win in an increasingly competitive landscape.
Related Solutions
Digital Banking
Own the primary customer relationship and grow business value with the only all-in-one platform for payments, cash management, treasury management, and a B2B payments network.
