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Inexpensive Middleware Juices Up Community Banks’ Biz Customer Experience

Inexpensive Middleware Juices Up Community Banks’ Biz Customer Experience

A little bit of middleware will go a long way toward making business banking easier, more productive.  (Think FINTECH.)

For a reasonable cost, even small-ish community banks can create a business customer portal to permit the bank an internet-based exchange with business customers that does two cool things:

  • Provides a secure way to maintain and update account documentation (tax returns, signed financials, resolutions, etc.)
  • Provide a great vehicle to communicate best-practices for account security. (Don’t think customers care? Maybe not. But the regulators care. A lot.)

We’re really talking about a microsite, a “portal” for your business customers to access with smartphones and tablets. (Think a web app on steroids.)

The bank can use the portal to notify customers with secure email of documents that should be opened and read. The portal will also allow the customer to acknowledge receipt and report unread, unopened documents. Both customer access, intra-bank and document transmission are delivered in encrypted form.  This is a very neat way to build a positive customer experience at low cost, including the cost impact on bank personnel.