The Digital Banking IQ difference

Customer-centric digital banking and payments cloud platform based on the pillars of cash lifecycle management, payments innovation, digital banking, relationship management, rich customer insights and experiences, data connectivity and risk mitigation.

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Unified digital experience

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Single customer view

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Applied AI and ML

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Modern cloud architecture

Digital Banking IQ Intelligent Engagement platform

Digital Banking IQ is a customer-centric digital transformation platform based on the pillars of cash lifecycle management, payments innovation, rich customer insights and experiences, data connectivity and risk mitigation. Each Digital Banking IQ module is available either stand-alone or combined with the other Digital Banking IQ modules in order to fully benefit from the power of the platform.

Insights and Analytics

Digital Banking IQ for Insights and Analytics

  • Unifies customer data and empowers relationship managers to optimize and proactively engage customers

Leverages pre-built insights to highlight growth opportunities and key trends for every client

Scales and adapts to evolving customer needs with pre-built integrations and a flexible and modern API enable software architecture

Seamlessly modifies and creates new insights and recommendations as business priorities evolve

Serves commercial banking, retail banking and
wealth management

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Payments and Cash Lifecycle Management

Digital Banking IQ for Payments and Cash Lifecycle Management

  • Supports a multitude of services including remote deposit capture, business billpay, seamless sign-on and more
  • Enables a faster payments ecosystem with real-time payments, same-day ACH and embedded fraud protection
  • Locks out payment fraud through deep layers of security integrated within the customer cash
    management experience
  • Scales to handle account and transaction growth, sophisticated entitlements and multiple workflows along with specialized reports
  • Builds trust and reinforces business value via bank-specific branding
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Banking Relationship Management

Digital Banking IQ for Banking Relationship Management

Unifies internal and external data sources 

Surfaces actionable customer insights and recommendations

Streamlines lead and referral management

Automates onboarding tasks and facilitates marketing activities

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Security and compliance

Digital Banking IQ for Security and Compliance

  • Prevents high-risk transactions to protect both your business and customers
  • Detects suspicious activity before financial transactions occur such as via online web monitoring
  • Resolves and documents cases efficiently and accurately
  • Maintains and evolve security controls as payments volumes grow
  • Meets compliance requirements
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Customer Engagement

Digital Banking IQ for Customer Engagement

  • Supports a multitude of banking offers, including deposit and lending products
  • Optimizes digital sales and conversion rates via mobile-first design
  • Empowers bank customers to start, continue, and finish applications on any channel in minutes
  • Protects against new account fraud via multi-layered risk management solution, combining 10+ best of breed third-party technologies
  • Seamlessly integrates into core and online
    banking platforms
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A digital banking platform built for intelligent engagement

A cloud-native platform with embedded intelligence, Digital Banking IQ is built on a microservices modular architecture specifically designed for banking. Explore the platform technology to learn more.

Digital Banking IQ™ Platform Technology Overview

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video time: 01:13 video title: Digital Banking IQ™ Virtual Tour Preview


Digital Banking IQ™:
Commercial Banking Product Tour

Watch the video preview and experience it for yourself. For the complete product tour, complete the form below.

See the platform in action with an exclusive on-demand product tour of Digital Banking IQ.

We know a thing or two about what your banking customers want — having helped over 400 North American banks and financial institutions attract and retain over 390,000 commercial customers on our Digital Banking IQ solution.

Your commercial customers don’t want to buy banking.

They want simple and intuitive financial workflows, they want to be well informed, and they want guidance and support. That’s why a next-level intelligent engagement platform makes the difference in driving primary bank share.

Complete the form to access the full tour.

95% of US-based cash management clients have deployed Bottomline’s full cash management suite

Download Aite’s research report, "Case Management Vendor Evaluation: Key to Enterprise Success" and evaluate the ERM that is right for you.

AIM Evaluation: The Leading Providers of U.S. Cash Management

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