Commercial and Corporate Banking

Harness the power of digital and AI to elevate business lending, transaction banking, treasury, commercial payments and all other parts of the commercial banking value chain.

What’s going on

Commercial banks are navigating the delicate balance between addressing today's challenges and positioning themselves for future growth. Amid increasing regulatory pressure, there is a heightened focus on compliance and risk management. As banks prioritize stability and efficiency, they are also investing in AI and emerging technologies to boost productivity, simplify operations, streamline workflows and transform the customer experience.

5 ways commercial and corporate banking is changing

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1. Growing reliance on data, analytics and AI

Commercial banks are relying more and more on data, analytics and AI to enhance decision-making, predict client needs and elevate all parts of the client and employee experience. Generative AI has applicability across the value chain and banks are using it to automate and augment operations to reduce ‘time to yes’ and ‘time to cash’.

2. More efficient coverage models

There is shift towards efficient coverage models to balance cost-effectiveness and high-quality client experiences. But coverage models need to vary by segment (small business, mid-markets, large corporates) to deliver the best client experience at the right cost.

3. Fit-for-purpose credit delivery

Credit delivery is transforming with a focus on faster credit decisions and reduced operating cost through automation, digitized workflows and AI-based risk assessments.

4. Enhanced productivity

With expenses such as IT costs expected to rise and interest rates likely to fall, commercial banks are considering how to maintain or improve cost-to-income ratio. Banks are shifting from short-term cost cutting initiatives to long-term programs that apply a holistic approach to taking out costs across technology, human resources, controls and third-party expenditure.

5. Sustainability mindset

Commercial banks have a responsibility to help address climate change because of the role they play in financing emissions in other industries. Banks need to follow through on their climate financing promises if they are to reduce the regulatory and reputational risks of missing their Environmental, Social and Governance (ESG) targets.

Loan origination that combines data and AI can unlock the potential for instant decisioning and disbursement. By digitizing end-to-end, banks can streamline the experience for borrowers, ensuring a seamless journey from application to approval.

Rethink operating models and invest in platform-enabled servicing transformation to support loan portfolio growth with scalable solutions, reduce operational risks and drive overall operational efficiencies through new tech and automation efforts.

Transaction banking, which includes cash management, commercial payments and trade finance, provides a low-cost, stable revenue stream. But banks that look to offer differentiated value-added services can drive sustainable commercial revenue growth.

Commercial banks that invest in digital-first solutions to serve the SMB market will benefit from portfolio growth, improved customer retention, reduced cost of funding and better operating leverage, enabling further business investment.

Levelling up RMs allows commercial banks to deepen their position as trusted advisors and accelerate growth. Enablers include data-led insights, CRM augmentation and generative AI tools to streamline workflows and personalize client interactions.

Banks face pressure to optimize, prompting them to reassess their end-to-end operating model. A holistic evaluation across people, processes and technology will support better risk management, boost productivity and drive growth for the bank.

What’s trending in commercial and corporate banking

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Accelerate your journey

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