of US-based cash management clients have deployed Bottomline's full cash management suite
in commercial payments were successfully supported on Bottomline platforms in 2022
growth for some of our commercial bank customers
Become an intelligent business enabler with full cash management capabilities.
Frictionless digital experiences have now often become synonymous with trust. Banks delivering intuitive and seamless experiences across all touch points win!
Digital Banking IQ key features
Built with a modern cloud architecture and backed by artificial intelligence and machine learning, Digital Banking IQ can drive relationship growth and profitability within your commercial customer base.
A single platform for your business customers of all sizes
Digital Banking IQ can support all the services you deliver, including remote deposit capture, business billpay, seamless sign-on and more — enabling our bank clients to serve small businesses, middle market, and large corporates all from one platform
Faster payments
Leverage a faster payments ecosystem with real-time payment enablement, Same-Day ACH and embedded fraud protection
Compete with larger banks and FinTechs
Improve your competitiveness with corporate users. The platform is scalable to handle account and transaction growth, sophisticated entitlements and multiple workflows along with specialized reports
Automate payment processes
Empower corporates with large payment volumes to securely send all payment types to the bank at once, regardless of payment method or business purpose
Best-in-Class fraud protection
Lockout payment fraud through deep layers of security integrated with the customer cash management experience
Leverage APIs
Standards-based APIs enable banks to customize various elements of the platform to meet specific needs
Personalized and intuitive user experience
Eliminate friction with a customer experience that leverages simple workflow navigation, drag and drop features, native mobile capabilities, coupled with mobile responsive design
Strategic support and seamless implementations
Take advantage of a certified delivery partner ecosystem that can support all aspects of your implementation and operations
Explore the Digital Banking IQ Solution
See the platform in action with an on-demand product tour
An award-winning commercial banking solution
Best-in-class
For Cash Management Technology
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.
Take the Virtual Tour
Digital Banking IQ: Flexible to fit your needs
Able to accommodate any bank’s implementation needs based on their unique situations and existing solutions, Digital Banking IQ is available in four standard customer engagement models
Full Platform
- Digital Banking IQ provides the platform front-end user experience
- Utilizes Digital Banking IQ APIs to interface with bank’s back-end systems/data
API Channel
- The bank completely controls the platform user interface
- Utilizes Digital Banking IQ APIs to bridge back-end data and front-end connection
Hybrid DBIQ
- Digital Banking IQ provides the front-end user experience
- Bank loads existing UX “widgets” into the Digital Banking IQ front-end
- Utilizes Digital Banking IQ APIs to interface with bank’s back-end systems/data
Hybrid Bank
- The bank provides their own front-end user experience
- Bank utilizes Digital Banking IQ “widgets” to load into the bank’s own front-end
- Utilizes Digital Banking IQ APIs to interface with bank’s back-end systems/data
More Digital Banking IQ® value
Bottomline's unique combination of assets creates compelling new value propositions for banks to better serve their customers. From small- and medium-sized businesses to large corporates with multi-bank relationships, improved monetization of low value payments and increased cash visibility can position banks to win the battle for primary relationship ownership and accelerate growth.
Paymode-X
Monetize low-value payments and help your customers streamline and automate their invoice-to-pay processes. Your bank can now offer a single solution that enables your customers to automate the entire AP process and make any payment type, while maximizing savings, security and rebate potential.
- Electronically receive, review, code and approve invoices
- Make virtual card, premium ACH, basic ACH, check and wire payments with a single solution
- Tap into a 500,000+ member business payment network
- Monetize AP spend with revenue share opportunity on virtual card and premium ACH transactions
- Implement easily with any ERP using connectors or APIs
Engagement Optimizer
When you leverage Bottomline's commercial digital banking platform, it comes equipped with a broad array of engagement data to help advance your relationships. Pre-packaged reports with real-time insights to enhance customer engagement opportunities.
- Use payments and cash management data, plus online engagement metrics, to identify additional sales or relationship-building opportunities
- Drive more proactive customer outreach based on user and customer portfolio level behavior and activity
- Benchmark against peers to evaluate digital engagement levels and treasury service penetration
- Manage mergers and acquisitions (M&A) risk and logistics from announcement to conversion and beyond, prioritizing lasting customer relationships and long-term engagement
Treasury Management
Financial institutions must provide multi-bank reporting, to provide better cash visibility to their corporate customers that have multi bank relationships. Integrated closely into Digital Banking IQ, we equip our banking customers to be the primary banking relationship.
- No more chasing, extracting and combining information across multiple portals
- Straight-through processing of payments, securely and efficiently
- Improve liquidity and reduce risk through complete control and visibility over all cash positions
- Simply pay and get paid securely and efficiently
- Improve cash and financial health allocating funds or leveraging credit to maximize returns
Fraud and Financial Crime
Protect your institution and your customers from the latest fraud practices. Take a fully integrated approach to risk and fraud, combining existing market-leading solutions into a convenient leading-edge, single-platform alternative.
- Protect every channel including e-Banking, mobile, ACH, wires, checks and call center with a 360-degree view of transactions and user behavior.
- Detect suspicious activity before it occurs through advanced machine learning/AI with rules-based detection and behavioral profiling, pattern recognition and scoring models.
- Analyze behavior of end users for both insiders and intruders in real-time, using transaction and user behavioral data.
- Compliance with regulatory requirements to minimize complexity and reduce unnecessary human intervention
GET IN TOUCH
Want to learn more about Bottomline's Digital Banking Solutions?
We'd love to talk
Whether you're new to Bottomline and need some guidance or one of our customers looking for info, we're here to help.
+1 (800) 472 1321You can chat with us too
We can chat through your objectives and we'll recommend options just for you.
Let's drive your banking capabilities forward
Tell us a bit about you and we'll be in touch.
