From bank to gateway: The future of small business banking

Small business banking is no longer defined by standalone products. Businesses are under growing pressure to manage cashflow, get paid faster and stay on top of increasingly complex financial workflows - yet invoicing, payments, accounting, payroll and tax remain fragmented across multiple systems, spreadsheets and third-party providers.

At the same time, neobanks and fintech challengers are reshaping expectations. By acting as gateways, they integrate financial capabilities into a single seamless in-channel experience, enabling small businesses to manage core workflows in one place.

Our latest white paper, ‘From bank to gateway: The future of small business banking’, explores how mainstream banks can respond by combining their own capabilities with best-in-class third-party tools to deliver connected, immersive financial experiences within existing digital channels.

In this white paper, we explore:

• Why fragmented financial workflows are weakening bank relationships
• How neobanks are redefining small business banking expectations
• What the gateway model means for mainstream banks
• Real-world use cases across invoicing, payments, payroll and cashflow management
• How banks can modernise without building a greenfield operation

Mainstream banks already possess the trust, scale and regulatory strength challengers cannot replicate. The opportunity now is to combine these strengths with the speed, flexibility and integration enabled by a gateway model.