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Using enterprise banking to meet the challenges and opportunities of small-business banking
Journal of Payments Strategy & Systems,
1
(3),
247-256
(2007)
Abstract
This paper introduces enterprise banking as the newest solution for small-business banking. The paper examines the unique challenges of the small-business market, from the ownership of the small business segment, to the limitations of the current small-business product offerings, to the resulting impact of the small-business product gap. The paper takes a close look at the unique characteristics of the small-business customer and discusses the impact of the convergence of small-business behaviours that are at times retail and at others commercial. Finally, the paper identifies several factors that have contributed to the growing success and acceptance of enterprise banking for both business and consumer banking solutions.
Keywords: enterprise banking; online banking; cash management services; small-business product gap; product packaging; scalability
The full article is available to subscribers to the journal.
Author's Biography
Debbie Smart is a Senior Product Consultant for ACI Worldwide’s Wholesale Banking Unit. ACI Worldwide, an end-to-end e-payments solutions provider, delivers mission-critical payment systems for more than 800 clients in over 80 countries, including many of the world’s largest and most progressive financial institutions and retailers. Debbie is a Certified Treasury Professional (CTP) with over 25 years of banking and cash management experience. Prior to joining ACI, Debbie managed the Community Bank Group at Global Payment Systems, an end-to-end payments and cash management company, and previous to that spent many years with First Security Bank (now Wells Fargo). While at First Security Bank, Debbie worked in both operations and cash management and headed their cash management department for Idaho.
