Best practice guide
Engagement Optimizer benefits
Maximize engagement and profitability
Use data to identify additional sales or relationship-building opportunities
Reduce churn through machine learning and AI-enabled predictors
Drive more proactive customer outreach based on user and customer portfolio level behavior and activity
Understand treasury service performance and penetration
Benchmark against peers to evaluate digital engagement levels and treasury service penetration
Ensure migration success
Track and manage migration waves and activity to ensure customers are retained and the process is successful
Built-in intelligence about your most valuable customers at your fingertips, in real-time
Engagement Optimizer gives financial institutions timely insight into how their clients engage digitally, providing daily updates on key online actions including logins, transactions, and feature use.
- Monitor the number of new relationships and balances added each month
- Visualize engagement activity, churn predictions and recommended upsell opportunities
- Trend transaction volumes and value by payment type, SEC code, and entry method
- Compare growth over time in new client transaction volume, logins, and balances
- Track first login and transaction activity for migrating clients by wave, and prioritize proactive outreach to maximize digital engagement
Intelligence for you and your customers
Engagement Optimizer is a comprehensive set of data, analytics and AI capabilities that enable financial institutions to engage intelligently throughout the customer lifecycle
- Product and onboarding performance dashboards
- Actionable insights on potential areas for growth
- Attrition metrics, drivers and high risk clients
- Industry and segment trends
- Actionable insights about key transactions and account trends
- Data-driven cross-sell recommendations
- Automated churn risk indicators
- Prioritized dashboard based on primary relationship value
- Performance tracking with customizable targets
- Peer comparison and benchmarking
- Intelligent payments and cash flow management
- Forecasts about potential payments and cashflow shortfalls
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An award-winning commercial banking solution
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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.
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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
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
Latest Trends
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