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The Market-Leading Platform for Commercial Digital Banking

Digital Banking helps businesses of all sizes from small and midsize to large corporates. It combines the essential services your business customers expect while providing scalable solutions that grow with them. With a focus on stability, this solution empowers your bank to:

  • Monetize low-value payments
  • Provide better cash visibility
  • Accelerate engagement and acquire customers
  • Reduce fraud and ensure compliance​​​​​​

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Solutions for all Businesses

Digital Banking is right for businesses of all sizes, including small businesses with a dedicated SMB module. Help their businesses thrive by streamlining operations and enhancing their capabilities.

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Data Driven Insights

Leverage powerful data and reporting solutions that enhance customer engagement and reduce risk. These insights help build stronger, long-lasting relationships by providing actionable information for improved cash and payment management.

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Mobile Accessibility

The Digital Banking Native Mobile app offers a mobile-friendly banking experience. It allows your customers to access their accounts in real-time. They can easily monitor cash flow, send payments, and stay connected with their business from anywhere.

Couple Digital Banking with These Solutions to Better Serve Your Customers

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Engagement Optimizer

Unify data and personalize every customer interaction with machine learning and advanced analytics across your financial institution.

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Digital Banking for Small Business

Bridge the digital banking gap for your small to mid-size business customers with essential financial insights and advanced tools for payments, fraud protection, and account control—solutions often out of reach for smaller businesses.

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Paymode for Digital Banking

Monetize low-value ACH payments with rebates through Paymode for Digital Banking, Bottomline's business payments network, accessible via our commercial banking platform.

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Banks and Financial Institutions Rely on Bottomline for Commercial Digital Banking

Frost Bank M and T Bank Citizens Bank Truist Pepack Global

95%

of US-based cash management clients have deployed Bottomline's full cash management suite

$6 Trillion

Annual Payments Processed through Digital Banking

272,000

Hosted Business Paying and Getting Paid

Seamless Customer Migration Support

Our White Glove Customer Migration support makes the move easy. We also provide onboarding and call center services. This ensures your customers' questions get answered quickly.

Meeting your Delivery Team
  • Program Management: Our expert Program Managers, recruited for their experience, excel in managing enterprise-class implementations.
  • Implementation Consultants: Our Implementation Consultants, with banking industry experience as end-users, excel at configuring applications to meet financial institutions' goals.
  • Technical consultants: As solution architects, our Technical Consultants strategically design how each solution integrates seamlessly into your banking environment.
Flexible Engagement Models

Four standard customer engagement models to fit your unique situation and existing solutions

Full platform: Digital Banking offers the front-end user experience platform, using APIs to interface with the bank’s back-end systems and data.

API channel: The bank fully controls the platform's user interface, using Digital Banking APIs to connect back-end data with the front-end experience.

Hybrid Digital Banking: Digital Banking delivers the front-end user experience by integrating existing UX "widgets" and using APIs to connect with the bank's back-end systems and data.

Hybrid Bank: The bank offers its own front-end user experience by incorporating Digital Banking "widgets" and using APIs to connect with its back-end systems and data.

Requirements and Documentation

Requirements and documentation are key to project success. This initial step gathers all necessary features and tasks to meet project goals, ensuring specifications are accessible to the team for clear alignment and execution.

Training

Training users is essential for success. Bottomline offers hands-on sessions, detailed how-to documents, and training videos to ensure effective learning.

Integration Design

Our bank-side systems integration partners specialize in large-scale program management, working directly at your bank location, meaning you don't have to do it alone.

Testing and Conversion Validation

The testing cycle is often the most time-consuming part of any project. Our test automation suite can automate nearly all required testing, minimizing the need for manual testing.

Get Real-Time Cash Visibility for your Bank

Global Cash Management Hub is a cloud-based cash management platform that eliminates the need for spreadsheets and multiple bank logins, offering a consolidated view of all your cash in one integrated system. It helps optimize working capital, enables faster forecasting, provides instant reports, and ensures quick deployment.

Explore Other Solutions to Drive Growth

Comprehensive commercial digital banking, treasury, Swift, and payment solutions are designed to address the needs of businesses from SMB to enterprise.

Paymode for Digital Banking

Monetize low-value payments and enhance customer loyalty with Paymode for Digital Banking's secure, revenue-generating platform.

Global Cash Management Hub

Automate and manage complex manual processes to optimize payments and grow through industry leading-visibility, forecasting, and reconciliation.

Payments Hub

Centralize and automate global payments with Payments Hub. Ensure compliance, security, and seamless integration with any bank.

Connectivity Services

Securely process, reconcile, and manage the data in financial transactions within and between banks and non-banking financial institutions, domestically and internationally.
Bottomline Technologies
Testimonials

What Our Customers Say

We needed a simpler, more intelligent approach to growing relationships and driving bank-wide performance from day one while not losing the historical context captured in our prior CRM.

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Want to learn more about Bottomline's digital banking solutions? Let’s talk.