Digital Banking designed to help you and your customers

Explore Bottomline's Digital Banking solutions and discover how we can provide the right solution for your financial institution.
Commercial Banking
Small Business Banking
Credit Unions

Intelligent Engagement in Commercial Banking

Digital disruption and transformation means that banks today face economic, competitive and regulatory challenges that are very different from what they have faced in the past. The pace of change is accelerating, customer expectations and demands are increasing and competitive threats are coming from new and different directions. This brief video explains how to put the customer focus at the center of your bank’s digital transformation.

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video time: 02:46 video title: Digital Banking Overview


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.

Engagement optimizer

Engagement Optimizer Suite For Digital Banking IQ

Built-in intelligence about your most valuable customers at your fingertips, in real-time.

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Payments and Cash Lifecycle

Digital Banking IQ for Payments and Cash LifeCycle

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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Banking Relationship Management

Digital Banking IQ for Banking Relationship Management

Understand your customers like never before and humanize every digital engagement with actionable intelligence.

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Efficient Payment Routing Illustration

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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Success Stories

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video time: 01:03 video title: Regional US Bank - Customer Success

Latest Trends

Learn more with these helpful resources


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