Grow share of wallet across your product shelf

Quantuma helps commercial banks identify cross-sell opportunities, deepen client relationships, and maximize revenue per customer

BOOK DEMO

Fintech rivals go unnoticed

Fintechs are picking off fee income product by product Wise Business targeting payments, Stripe capturing merchant acquiring, digital lenders winning working capital. Without proactive analysis of transaction patterns, RMs can't identify and defend vulnerable relationships.

Relationship breadth stalls

You're their lender, but competitors are winning treasury, payments, and trade finance. Without proactive signals, your RMs can't expand beyond their comfort zone products.

Revenue concentration risk

80% of revenue comes from lending, but transaction volumes and deposit balances reveal untapped opportunities worth millions – if anyone was systematically looking.

The solution

Turn payments data into cross-sell intelligence

Identify untapped opportunities

Automatically detect clients ready for FX solutions, merchant services, treasury management, trade finance, or deposit optimization – based on real transaction patterns and business context.

Prioritize high-impact relationships.

Score opportunities by potential revenue and likelihood, so RMs focus on clients where they can drive the most value, not just the ones asking for help.

Expand beyond lending

Break the cycle of loan-only relationships. Surface fee income opportunities that strengthen relationships while diversifying revenue.

Opportunities your RMs can close this month

1. Cross-Border Payment Capture

Signal: Client sending $150K+ monthly in international wire transfers, paying $45-75 per transaction, sending to 8+ countries regularly

Action: RM reaches out: "I noticed you're processing significant international payments. Our FX platform could save you 60-70% on transaction costs and give you better exchange rates. Can we show you a comparison based on your actual volumes?"

2. Merchant Acquiring Opportunity

Signal: $40K+ monthly in card acceptance fees paid to Stripe, payment volumes growing 25% YoY

Action: Proactive outreach with merchant services proposal showing cost savings and integration with business banking platform

3. Treasury Management Upsell

Signal: Average checking balance $800K with minimal activity, no sweep accounts, seasonal cash flow patterns detected, company has multiple locations

Action: RM proposes cash management solution: "Your operating account is sitting idle with significant balances. We can set up automated sweeps to earn 4%+ on excess cash, plus provide real-time visibility across all your locations."