72% of US executives indicate they would allocate more business to banks that can provide highly tailored, real-time insights.

Source: Greenwich Associates Key Trends in Digital Banking 2019

Bottomline's suite of digital banking solutions, powered by Digital Banking IQ™, enables financial institutions to compete and win primary ownership of the customer banking relationship

Banking’s new imperative is to deliver customer-centric digital transformation based on the pillars of cash management, payments innovation, rich customer insights and experiences, data connectivity and risk mitigation.

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Explore the Digital Banking IQ Platform

Our complete solution for digital transformation. From actionable insights to faster onboarding, Digital Banking IQ is the leading intelligent engagement platform for banking and payments.

Insights and Analytics

Digital Banking IQ for Insights and Analytics


Unify data sources across your organization and deliver actionable insights that are based on a deep understanding of your customers’ needs.

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Payments and Cash Management

Digital Banking IQ for Payments and Cash Management


Unify your commercial customer experience and strengthen payments and cash management services via a platform featuring rich UI and UX capabilities, machine learning and artificial intelligence.

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Fraud and Financial Crime Management

Digital Banking IQ for Fraud and Financial Crime Management


Gain security and peace of mind with fraud and risk solutions, offering unparalleled protection from fraud and financial crime, while helping financial institutions comply with regulations. 

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Customer Engagement

Digital Banking IQ for Customer Engagement


Drive new accounts and deposits via a comprehensive suite of digital customer engagement solutions purpose-built within a secure, intelligent customer growth and acquisition platform.

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citizens bank logo 1 logo png transparent "Our partnership with Bottomline allows us to offer our Commercial and Business Banking clients a more seamless, unified digital experience." Michael Cummins | Head of Treasury Solutions at Citizens Bank | Citizens Bank
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