Merchant services is becoming the back door into your bank.

Fintechs are using payment data to win small business loans, deposits, and relationships you thought were yours. This report breaks down how and three moves that bring the advantage back in-house.

the scale of the opportunity

Among your small business and commercial accountholders:

More likely to open a commercial loan than non-merchant customers

72%

Process payments outside their financial institution

92%

Opportunities per $1B in assets

~700

Results From Institutions Using The 3-Step Approach

Establish Visibility → Prioritize Opportunities → Enable Proactive Outreach

New merchant deals, year one

80

Portfolio growth lift

79%

Return on investment

<12 mo

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