Inside Small Business Banking
Insights and perspectives that get you up to speed on the changing landscape of small business banking.
A feature that has not changed in twenty years is about to For most consumers and small businesses, Bill Pay has looked the same since they signed up for online banking. Schedule a payment, the institution debits the checking account, the biller gets paid by check or ACH. ...
Key takeaways 61% of small businesses now send electronic invoices. Only 18% send them through their bank. Those numbers have moved less than five points in four years. Javelin identifies only four of the largest U.S. banks as having meaningfully brought invoicing into ...
Payment timing isn't a payments problem. It's an operating system problem. Mastercard's Mark Barnett is right that timing is the currency small businesses actually trade in — but timing visibility and timing control don't come from a faster rail. They come from a connected ...
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Transforming Digital | Product Innovation
Bill Pay Just Got More Useful
A feature that has not changed in twenty years is about to For most consumers and small businesses, Bill Pay has looked the same since they signed up for online banking. Schedule ...
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Transforming Digital | Industry Trends
Small businesses want invoicing where they already bank
Key takeaways 61% of small businesses now send electronic invoices. Only 18% send them through their bank. Those numbers have moved less than five points in four years. Javelin ...
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Transforming Digital
Payment timing is an operating system problem
Payment timing isn't a payments problem. It's an operating system problem. Mastercard's Mark Barnett is right that timing is the currency small businesses actually trade in — but ...
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Supporting Small Business
The Case for a Connected Small Business Strategy
Small business banking is one of the most valuable segments a financial institution can serve. It is also one of the most underserved, not because banks lack the intent, but ...
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Supporting Small Business
The Fed just changed the math on small business lending
Federal banking regulators have proposed changes to how much capital financial institutions must hold against small business loans. Under the proposal, risk weights for qualifying ...
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Transforming Digital | Supporting Small Business
It’s not about only about lending. It’s about connection.
Earlier this month, our CEO Steve Robert wrote about why Autobooks acquired MinuteLender. Steve goes deep on the lending economics, the data advantage financial institutions ...
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Supporting Small Business
Why Autobooks Acquired MinuteLender, by Steve Robert
This post is about why we acquired MinuteLender, what it means for the financial institutions we work with, and where I believe this takes us.
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Webinars | Financial Institutions | Small Business Banking
Build Your Small Business Flywheel: From Insight to Repeat Usage
Missed the webinar? Watch it here In short Most banks add small business capabilities but stall on adoption — insight alone doesn't move deposits. A 90-day flywheel turns insight ...
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Growing Revenue | Supporting Small Business | Gaining Perspective
Construction and Trades Reveal How Small Business Banking Actually Grows
Missed the webinar? Watch it here In short Construction and trades are 15–20% of small businesses in most local markets — and roughly $1.5T in annual spend. These businesses run ...
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Transforming Digital | Growing Revenue | Gaining Perspective
Small Business Banking Is Not Broken. Bank Alignment Is.
Missed the webinar? Watch it here In short Small business demand is not the problem. Millions of accounts, constant new-business formation, and rising owner engagement all prove ...
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Transforming Digital | Growing Revenue | Supporting Small Business
The business case for smarter business checking
In conversations with banks and credit unions, we’re hearing a sharper focus on business checking, driven by what institutions are seeing in small business behavior and ...
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Transforming Digital | Supporting Small Business | Gaining Perspective
How Financial Institutions Can Use Value Stories to Correct Blind Spots in Small Business Strategy
Small business banking strategies fail most often at the problem definition stage. Institutions assume they understand what owners need and where competitors are winning. In ...