Delivering a seamless, integrated customer experience online and via mobile is an overarching mission at Citizens Bank.

To achieve that seamless, integrated customer experience online and via mobile, Citizens Bank has partnered with Bottomline Technologies to deploy a market-leading online and mobile banking platform for its Commercial and Business Banking clients.

The new digital banking platform will provide clients with an integrated suite of cash management and payment services that can be tailored to market or industry segments. Businesses can also personalize dashboards to make day-to-day tasks faster and easier, saving them time and money and providing the insights they need to make good financial decisions. The new platform is designed to manage complex fraud risks and keep business payments secure.

Michael Cummins, head of treasury solutions at Citizens Bank, told Loyalty360 that this partnership will enable Citizens to provide business and commercial customers with a unified digital banking experience and helps the bank more easily bring new features to the market.

“The new technology platform brings together a unique combination of financial services offerings which, until now, were largely restricted to single-point solutions that can be overly complex and expensive,” Cummins explained. “Citizens will be able to deliver the seamlessly integrated experience now required for banks to engage customers in new and more advanced ways.”

Citizens partnered with Bottomline on the new platform following extensive research into industry trends, vendor landscape, and market conditions. The new integrated online and mobile application features more intuitive navigation; simplified transactions; integrated payment workflows; a robust set of alerts; user personalization with self-service capabilities; a consistent experience across channels and devices; and secure mobile delivery with the latest fraud and security controls. The Digital Banking platform leverages open Platform-as-a-Service technology that will enable Citizens to provide business and commercial customers with a unified digital banking experience and help the bank to more easily bring new features to the market.

Current Citizens clients are scheduled to begin migrating to the new platform in the second half of 2018.

“The new digital banking platform will provide clients with an integrated suite of cash management and payment services that can be tailored to market or industry segments,” Cummins added. “Businesses can personalize dashboards to make day-to-day tasks faster and easier, saving them time and money and providing the insights they need to make good financial decisions. The new platform is also designed to manage complex fraud risks and keep business payments secure.”

Clients want to be able to complete their cash management activities with automation, speed, security, and flexibility, leveraging the latest technology to make their jobs easier, Cummins noted.

“They are looking for the features that our new platform will provide: More intuitive navigation; simplified transactions; integrated payment workflows; a robust set of alerts; user personalization with self-service capabilities; a consistent experience across channels and devices; and secure mobile delivery with the latest fraud and security controls,” Cummins explained. “Citizens Commercial Banking is a strategic and financial partner, offering deep expertise, great ideas, and seamless deal execution. Citizens puts clients first offering solutions that help clients make the best decisions throughout the lifecycle of their business.” 

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