The New Commercial Standard

Commercial Banking Expectations Are Rising

Business customers have more choices and less tolerance for disconnected financial tools. They increasingly expect faster payments, greater cash visibility, and banking capabilities that work with the software they already use.

Drawing on proprietary Datos Insights research, this report examines what drives commercial attrition and how community banks can combine modern treasury capabilities with relationship banking to protect and grow valuable relationships.

Businesses Switch for Functionality Before Price

Businesses do not change financial providers based on price alone. Datos Insights found that better payment automation, more payment options, real-time payment capabilities, and integrated cash management tools all rank ahead of more attractive loan rates among SMBs that have switched or would consider switching.

When a bank cannot support the financial activities businesses rely on, those functions often move elsewhere first. Transaction activity, deposits, and valuable data can follow, weakening the relationship even while the primary account remains open.

What the Research Reveals

Inside the report, you’ll learn:

Why switching intent is outpacing historical behavior
Which capabilities are most likely to influence a business’s banking decisions
How disconnected platforms put deposits, data, and relationships at risk
Why businesses increasingly want to bank through the ERP and industry software they already use
How timely data can help relationship managers identify needs and respond sooner
How to evaluate your bank’s data visibility and functional capabilities

About Datos Insights

Datos Insights is a leading research and advisory partner to the banking, insurance, securities, and payments industries, serving both financial institutions and the technology providers behind them. The firm combines proprietary data and analytics with deep practitioner expertise to help financial services organizations make high-stakes decisions with confidence and advance strategic initiatives faster.

Expand Your Relationship Advantage

Community banks already understand the businesses behind the accounts. Discover how modern payment, cash management, and data capabilities can help your bank retain more commercial activity, strengthen relationships, and compete in the full report. CSI is a full-service technology and compliance partner.