News & Press | ebankIT

Transforming the commercial banking experience for business clients

Written by ebankIT | Aug 4, 2025 1:17:55 PM

Why business clients are underserved digitally 

Commercial clients are among the most profitable and long-standing customers in many financial institutions. However, they continue to face a surprisingly outdated digital experience.

While retail banking has seen a surge in user-friendly, mobile-first solutions, business banking platforms often lag behind.

Commercial clients are expected to manage complex financial relationships across multiple accounts, users, and approval hierarchies, yet they are frequently left navigating fragmented systems, manual processes, and inconsistent digital tools.

This lack of modernization forces many to rely on branch visits, spreadsheets, or email for essential tasks that should be self-service and seamless.

This disconnect not only affects operational efficiency but also diminishes client satisfaction and loyalty.

Commercial users increasingly expect the same level of convenience and speed they experience as retail consumers, but instead, they encounter friction.

As financial institutions face pressure to retain and grow these valuable relationships, closing this digital gap is not just a matter of modernization but a strategic imperative.

ebankIT is redefining the commercial banking experience with a bold, client-centered vision: to bring the same seamless, intuitive, and omnichannel digital tools available to retail users to business banking.

The platform delivers a unified, streamlined environment where business clients can access multiple accounts, entities, and financial services under a single login, with full control over user roles, permissions, and workflows.

By incorporating advanced self-service capabilities, process automation, and real-time contract and user management, ebankIT empowers commercial clients to manage their finances with greater autonomy, security, and transparency.

Whether accessing services via web, mobile, or in-branch, users benefit from a consistent, modern experience that enhances productivity and reduces their dependence on manual support.

Improved product grouping and shared contract management

One of the most impactful improvements in the digital experience for commercial clients is the introduction of custom product grouping.

This feature allows users to organize their financial products, such as checking accounts, credit cards, and debit cards, into personalized, logical categories that reflect how their business operates.

The grouping process is intuitive and straightforward. Users assign a name to the group, select the relevant products, and tailor the view to meet their specific needs.

These groups are displayed in a user-friendly dashboard and can be reordered for priority access, making day-to-day navigation and financial oversight significantly more efficient.

This feature becomes especially valuable in businesses with complex account structures or multiple subsidiaries. By creating customized views, finance teams can quickly isolate and manage specific areas of their operations, reducing cognitive load and improving visibility.

It’s a small shift with a big impact: transforming static lists into actionable, organized views that better serve the workflows of modern businesses.

Omnichannel contract management enhancements

The Omnichannel Contract Management feature represents a significant leap forward in how commercial clients manage access, authorizations, and shared accounts.

From a central digital interface, users can now add and activate new users, assign them to predefined permission groups, and define transaction limits and approval workflows, all without the need for in-person branch visits.

The process includes filling out basic user information, selecting an authentication method, and applying business rules for access control. Once complete, updates are finalized following secure identity verification.

Importantly, this workflow is mirrored across digital platforms, ensuring a consistent experience on web, mobile, and in-branch systems.

The feature has also been partially extended to individual users in mobile banking, allowing them to set daily or per-transaction limits. For instance, a user can quickly define a €400 daily transfer cap to personal accounts, improving security while giving users granular control.

These contract management improvements allow banks to offer clients more autonomy and transparency, while reducing operational burdens on branch staff and back-office teams.

By making these processes digital and configurable, ebankIT is helping banks shift from reactive, manual service models to proactive, client-led experiences, ultimately improving efficiency and satisfaction.

 

New feature: bulk upload for payments

Managing payments at scale is one of the most time-consuming and error-prone tasks for many commercial banking users, especially finance teams that handle dozens or even hundreds of transactions each month.

Recognizing this challenge, ebankIT has introduced a powerful new feature: Bulk Upload for Payments, specifically designed to streamline this process and reduce operational friction.

Real business scenario: Sarah’s payment challenge

To illustrate the impact of this new capability, the platform team shared a relatable use case during the presentation.

Sarah, a finance professional at a growing business, was spending countless hours manually entering more than 100 supplier payments every month. This repetitive task not only slowed her down but also increased the risk of human error.

With the introduction of bulk upload, her workflow was transformed. Now, Sarah simply downloads a pre-formatted CSV template, enters all payment details in one go, and uploads the file directly into the digital banking platform.

The system automatically validates the uploaded file and provides feedback in real time. If errors like invalid payment dates or incorrect formatting are detected, the user is notified immediately and can submit the corrected file.

Once validated, the batch moves to the approval stage, which is fully integrated with existing contract permissions and workflows.

In Sarah’s case, her administrator, Michael Scott, receives a push notification on his mobile device, even while on vacation, and approves the transaction securely from the app.

The experience is designed with transparency and user confidence in mind. Sarah receives instant confirmation, can monitor the payment status in her dashboard, and knows exactly what has been approved, what's pending, and what needs action.

Even before the transactions are processed, she gains peace of mind that everything is in order.

Key benefits for commercial users

The bulk upload for payments feature supports high-volume payment management in an intuitive, mobile-friendly workflow.

It significantly reduces manual effort, increases accuracy, and enables faster financial operations.

For businesses scaling their operations, it’s an essential tool that reflects ebankIT’s broader mission to empower commercial clients with efficient, secure, and user-centric digital banking capabilities.

The future of digital commercial banking with ebankIT

ebankIT’s commitment to innovation in commercial banking is driven by a simple belief that commercial clients deserve the same level of digital excellence as retail customers.

By combining intuitive user experiences with powerful back-end automation and mobile-first workflows, the platform empowers financial institutions to deliver value faster, with more agility and less friction.

As commercial banking continues to shift from branch-reliant to digital-first, ebankIT stands at the forefront, helping financial institutions turn complexity into simplicity, and transactions into trusted relationships.

By unifying complex processes like user onboarding, contract management, product grouping, and bulk payments into a seamless, omnichannel platform, ebankIT is reimagining how business clients interact with their banks.

With features like low-code configuration, real-time permissions management, and AI-enhanced tools on the horizon, the platform is not only addressing today’s operational challenges and laying the groundwork for scalable, intelligent banking services that evolve alongside client needs.

 

Want to see ebankIT's platform in action? 

Reach out to us for a demo and discover how an omnichannel platform can elevate your account holder's digital banking experience.