Reduce frustration for SMBs.In 2025, customers expect the same fluid experience from their bank that they get from ride-sharing or e-commerce platforms.
When it comes to managing their digital banking accounts, small business owners are faced with multiple logins, repeated credential prompts, and disjointed user interfaces. It’s tiny friction that, over time, adds up to major frustration.
In 2025, customers expect the same fluid experience from their bank that they get from ride-sharing or e-commerce platforms. They want access that’s fast, secure, and seamless without jumping through hoops.
For many US financial institutions, managing multiple user profiles—particularly when a customer holds both personal and business accounts—has long been treated as a necessary complexity rather than an opportunity for innovation.
A PYMNTS report highlighted that 83% of small business owners consider convenience a crucial attribute when selecting a financial services partner. For SMB owners, that demand is even more critical: their time is limited, and they require tools that keep up with their fast-paced, multi-role lifestyle.
Yet despite this shift in expectations, many US financial institutions are still relying on outdated digital infrastructure—forcing users to log in and out of separate profiles just to manage their different banking needs. This is the innovation gap: while customer behavior and preferences have evolved, many digital banking platforms haven’t caught up.
This gap doesn’t just frustrate users—it opens the door for challenger banks and fintechs to step in with more intuitive, frictionless solutions.
This siloed experience is often built on legacy core systems that treat each account type as a distinct identity, making profile unification a non-trivial technical lift. However, for end-users—especially SMB owners, entrepreneurs, and gig workers—this fragmented experience feels increasingly outdated.
SMBs desire for digital services that offer a consolidated view of their company finances. They also want tools to monitor payments, manage cash flow, and gain insights into their financial performance. Without such services, SMB owners may resort to using personal banking tools to fill the gaps, further complicating their financial management.
That’s where ebankIT’s Profile QuickSwitch feature comes in.
With a single login, users can move between personal and business accounts in one tap, without re-authenticating, all while retaining security standards such as:
Users benefit from a streamlined experience with a single login that seamlessly integrates both personal and business profiles, eliminating the need to log out or re-enter credentials. This system ensures that secure, role-based access is preserved, maintaining specific entitlements tailored to each user's role.
Each role has unique dashboards and tools as well as secure, role-specific access. It’s not just a smoother interface—it’s a fundamental upgrade to how digital banking can and should work.
ebankIT’s Profile QuickSwitch isn’t just about convenience—it’s about bringing banking UX into the future, enabling financial institutions to stay competitive, deepen customer relationships, and reduce operational overhead in the process.
Key benefits: