Business Banking Solution

Seamlessly build business banking solution into your product that saves costs for your corporate customers and improve their efficiency. Give businesses the unmatched banking service they crave.

Simply business banking for corporate customers

Omnichannel banking

Create a unified experience with Spotbanc's omnichannel system. Data synchronized across all channels allows corporate customers easy access to banking via web or mobile application. Onboarding is simplified and painless. Great for boosting customer retention rate.

  • Simplified and easy onboarding.
  • Synchronized access and data channels.
  • Simple dashboard information display.
  • Easily retrieve transactions carried with internal or external

Multiple Currencies and accounts

Spotbanc enables your clients to create as many accounts and sub-accounts on your platform as they need. They work with as many currencies per account as you support and make available.

Clients may transfer value between their accounts and make payments to others directly, taking advantage of foreign exchange and cross-border payments functionality. Auto-sweep account feature allows clients to automate transfers of balances in different accounts into one account at their preferred set time

  • Supports over 150 currencies.
  • Multiple currencies avail users full FX advantages.
  • Sub-accounts are sorted for convenience.
  • Auto-sweep account feature.

Complete banking services

Enable your clients to provide all services in the corporate banking value chain, from transaction processing to digital interactions.


  • Opening and maintaining corporate accounts.
  • Currency exchanges are based on real-time rates.
  • International money transfers via money transfer systems, payment gateways, banks, and card payment companies.
  • Wire transfers in international payments systems including SEPA and SWIFT.
  • Setting mass payments into motions (e.g. payrolls).
  • Managing deposits and accounts.
  • Creation and management of loans and loan refinancing.

User Account

The User's Account gives your corporate clients a personal online office to conduct their business. From here they can make transfers between accounts, convert currencies, perform transactions, fund accounts, manage payments, view balances, view account statements, track transactions status, generate reports, create additional users, and lots more.


  • Track all financial operations
  • Link and manage accounts
  • Set frequently recurring transactions
  • Manage profile and security settings

Scheduled and Recurring Payments

Clients can easily schedule payments for executions at a later date and time or automate recurring payments. Our system allows adjustments of scheduled payments before due dates. Clients can arrange staff payroll, incentives, and bonuses, pay suppliers and distribute commissions.


  • Schedules payments
  • Automate recurring payments
  • Manage payrolls, entitlements, and incentives
  • Manage payments to external persons or organizations

Web access

Spotbanc ensures your application is accessible through the web via any browser. Clients still access and enjoy your full services through this channel based on our omnichannel banking system. Customizable to create that personal look embedded with a client support interfacing system, which saves you the cost of integrating additional customer support software.

  • Internet banking capabilities
  • Create compelling web interfaces
  • No need to integrate external customer support software

Mobile app

Custom-made mobile app (iOS and Android) for clients to perform all transactional and operational activities - check account balances, convert currencies, make and accept payments or payouts, perform transfers, reach customer support, and do more. Customize your app to achieve a personal look and feel.

  • iOS and Android
  • Open-source
  • Perform transactions
  • Manage accounts and balances
  • Communicate with clients via an inbuilt support system

Cash and Liquidity Management

Powerful accounting and reporting tools give corporate clients powerful insights into their cash and liquidity structures. Information is displayed simplified for easy understanding. Clients can easily integrate with cash management systems for higher efficiency.

  • Cash and liquidity analytics
  • Clean and simple information display

Account Security

Spotbanc utilizes modern security tools such as two-factor authentication, Customer Authentication, IP whitelisting, and other cutting-edge technologies to keep clients' accounts secured. Achieve higher security levels by adding extra options or fields and supporting roles and permissions. You can strengthen account security by adding multiple security levels depending on your business' security measures.

  • PIN-based client identification mechanism prevents access from unknown IP addresses.
  • Full compliance with Payment Service Directives (PDS2) security measures.
  • Manipulate additional security settings as required.

Communication

Inbuilt communication tools facilitate communications between your support team and corporate clients. Notify clients about their accounts and transactions, communicating new updates, products, or services. This saves you the cost of integrating additional customer support software.

  • SMS notifications Template
  • Email notifications Template
  • Mailbox
  • World Network
  • Bulk SMS

Benefits to Your Bank

A complete toolset to optimize your corporate banking operations.

Easy Onboarding

An omnichannel approach to client onboarding with integrated customer screening and data synchronization. Clean KYC/KYB levels interfaces on both mobile and web applications. The onboarding process is segregated between individuals and corporate bodies to ease client profiling.

  • Integration with third-party KYC services.
  • Self-onboarding.
  • KYC/KYB Levels.
  • Documents and photos review.
  • Omnichannel system for easier onboarding.

Accounting, reporting, and analytics

A complete financial engine for monitoring real-time transactions, instant account settlement and reconciliations, auditing, interest rates, and financial statements. Get valuable analytical insights into business and marketing data such as clients’ profiles, conversion rate, company turnover, and more with our in-built analytics tool.


  • Transaction reports (detailed and summary).
  • Turnover reports.
  • Account reconciliations.
  • Account statements per client.
  • Financial statements for audits and tax authorities.
  • Marketing metrics (detailed and summary).

Portfolio Analysis

SpotBanc is enriched with powerful insights and a simple display of meaningful information per client. It serves as a tool for the preparation of portfolio management activities and advisory meetings, cash flow forecasting, and asset monitoring.

The platform is an integrated modular solution that helps you manage effectively, the complexity of your premium clients’ funds and transactions, both locally and internationally. Advanced customer profiling feature enables your relationship managers to instantly monitor, document, analyze and eventually report corporate clients’ information as required.

  • Advanced customer profiling feature
  • Tool for cash flow forecasting and asset monitoring

System Security

Prevent unauthorized access to tools and databases using top-notch security technologies. On the admin end, you can flexibly distribute access rights to managers and employees to restrict out-of-scope access to information. The system checks logins from unknown IP addresses and monitors server logs data.


  • Secured hosting
  • IP whitelisting
  • Access alert
  • Transaction alerts
  • Fraud detection analyser

AML/Compliance

Smart risk-management tool for ensuring your business remains compliant. Monitoring clients' financial operations to prevent fraud, money laundering, illicit trading, tax evasion, terrorism financing, and any activity that might damage your business. Easily set up country-specific compliance rules.

  • Setup Transaction AML rules and auto eKYC checks
  • Setup Workflow (Both compliance pass/failure)
  • Fraud detection & Analyser (Identity theft, Structuring, Duplication document check)
  • Global and country-specific KYC/AML rules
  • Suspicious Transaction reporting
  • Global sanction screening
  • Watch List Support (Blacklist/Whitelist)
  • View customer KYC and AML reports

Setup Fees and Charges

Easily set up fees (fixed or percentage-based), taxes, commissions and other banking specifics settings. Charges can be set based on characteristics such as location, transaction volume, amount, and more.

  • Fixed or percentile fees.
  • Flexible pricing structure.
  • Set risk-levels.

Multi-Administration

Our system supports multiple administrator accounts, with different functions and authorization levels. Assign roles and duties to managers and employees with different access levels ensuring maker-checker. Manage assigned roles and access and review managers’ performance.

Customers can be categorized into different profile groups, allowing multiple schedules for different client types.

  • 5 authorization levels.
  • Maker-checker principle.
  • Review the overall performance of administrative staff.

Comprehensive Support System

Enjoy 24/7 customer support from our team of experts spread across different countries. We are always available to attend to your requests at all times of the day, irrespective of your location. Get unrestricted access to explainer videos and blogs on platform functionalities and industry insights from our content team.

Customer Relationship Management (CRM)

A unique administrative tool to manage corporate clients better. View top performing clients’ reports; provide support for microloan and setup fees per client.

  • Top-performing reports
  • Customers Wallet Management
  • View customer transaction history
  • Request information from customers via Email & SMS notification
  • Address Verification Support
  • Add Beneficiary/Sender to a watch list (black/white list/watch list)
  • View customer-uploaded document
  • Electronic and Manual ID verification

Interest rate management

The platform enables you to set up earnable interest rates and commissions for clients depending on the amount clients hold in their accounts. Great for encouraging clients to increase deposits or balance holdings with your platform, or for rewarding outstandingly performing clients.

Branding

Spotbanc gives you the flexibility to customize your application, applying your preferred brand colour, logo, font type and size, and background image. Complete freedom to achieve your branded look in no time. Easily modify or change your product branding at any time.

  • Background image upload
  • Colour settings
  • Font Settings
  • Logo Upload
  • Custom Login Page

Get Started in 4 Steps


1

Contact Us

Message us. Tell us a bit about your project.
2

Application Demo

We demonstrate SpotBanc’s capabilities to you
3

Contract

The contractual agreement between your team and ours.
4

Setup

We set up, test and evaluate SpotBanc within days.



Ready to Launch?


Schedule a call and let our experts answer your questions regarding SpotBanc capabilities. There’s so much more inside.