The next big thing in business banking

A bank branded expense management solution for your small to medium size business customers.

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DIGITAL IS A MUST

Small and medium-sized businesses are switching banks with increasing frequency. According to recent FIS study in 2016 alone, 14% of Small and Medium Size business (SMBs) switched banks largely due to the lack of digital product offerings. The key opportunity for banks is innovating to acquire new and retain existing small and medium-sized business customers.

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OPPORTUNITY

70% of small to medium-sized businesses still use manual processes for creating and managing expense reports. They waste countless hours dealing with paper receipts and manual data reconciliation.

Solve this problem by offering your business customers a real-time digital expense management solution. With Xpensable, your business customers will save time spent on expense reconciliation, gain control, and improve the accuracy of their expenses.

 Xpensable is a bank-branded business product used to capture receipts, process approvals in seconds, and accurately record expenses for accounting. The first expense management solution that's integrated within users online-banking portal for the ultimate user experience.

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RETENTION

A study done by Fiserv shows the average life-cycle of a customer increases anywhere from 200% to 400% with each additional product offered and used. Aside from Xpensable being “that” additional product, storing your business expense receipts within online banking as a system of record creates a much deeper layer of stickiness. Customers for life is what you can expect.

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REVENUE

Xpensable can position your bank at the center of your business customers expense report creation, management and reconciliation process. Insight into your commercial card usage can help you to determine where your card is in your customers top of wallet choice. Your commercial card linked with Xpensable streamlines and automates the expense management processes from start to finish. Being the card of choice becomes obvious and the only option for company employees, resulting higher interchange income.

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ACQUISITION

Bank relationships start way before a business account is opened.  Offer Xpensable as a tool to non-banking customer to start the relationship, and be the obvious choice for those businesses switching banks desperately needing more than just a place to deposit and transfer money. Xpensable can be the innovation that positions your brand to deliver value that is integrated into your customer's day to day operation.

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AFFORDABLE FOR EVERYONE

Xpensable was custom built for small and medium-sized businesses in mind. Partnering exclusively with banks allows us to offer the solution at commoditized pricing so it can be offered to all your small and medium-sized business customers. We believe expense management will become the next business banking standard offering with Xpensable leading the way.

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