Gaining Perspective

Insights and perspectives that get you up to speed on the changing landscape of small business banking.

Articles

• Construction and Trades Reveal How Small Business Banking Actually Grows (Feb 9, 2026)
  Missed the webinar? Watch it here. In short, Construction and trades are 15–20% of small businesses in most local markets — and roughly $1.5T in annual spend.

• Small Business Banking Is Not Broken. Bank Alignment Is. (Jan 29, 2026)
  Missed the webinar? Watch it here. In short, Small business demand is not the problem. Millions of accounts, constant new-business formation, and rising owner engagement all prove.

• How Financial Institutions Can Use Value Stories to Correct Blind Spots in Small Business Strategy (Dec 5, 2025)
  Small business banking strategies fail most often at the problem definition stage. Institutions assume they understand what owners need and where competitors are winning.

• Three Takeaways from Our Latest Webinar: How Banks Can Win Small Business Relationships Back (Nov 6, 2025)
  Missed the webinar? Watch it here. In short, The small business market is expanding — nearly 97 million businesses in the US, most earning under $1M and underserved by traditional.

• Part 2: Designing a Better Small Business Checking Account (Oct 17, 2025)
  If the first step is recognizing that most small businesses earn less than $1 million, the next step is understanding how their financial behaviors differ from traditional.

• Part 1: What If the Problem Isn’t the Product, But the Market We Built It For? (Oct 3, 2025)
  Financial institutions have long supported small businesses with checking accounts, lending services, and treasury tools. But as the business landscape evolves, it’s becoming.

• Three Key Trends Reshaping Small Business Digital Banking in 2025 (Sep 22, 2025)
  The landscape of small business digital banking continues to evolve, and expectations have shifted. According to the 2025 Small Business Digital Banking Vendor Scorecard.

• Reviewing the Allied Payment Network Acquisition: Key Takeaways from the CEO Webinar (May 28, 2025)
  Autobooks CEO Steve Robert and CMO Derik Sutton hosted a webinar on May 20, 2025 and shared important updates about the acquisition of Allied Payment Network.

• Five Strategies for Small Business Success — Part 2: Fintech Partnerships, Accounting Integration, and Relationship Banking (Mar 17, 2025)
  In Part 1 of this series, we explored how financial institutions can enhance personalization and payment capabilities to better serve small business customers.

• Five Strategies for Small Business Success — Part 1: Unlocking Growth through Personalization and Payments (Mar 3, 2025)
  Small businesses are essential to local economies, yet many financial institutions struggle to meet their evolving needs.

• The Critical Role of Small Business Loans in Cash Flow Management (Feb 24, 2025)
  For small businesses, maintaining healthy cash flow is often the difference between growth and stagnation.

• Declining Cash Usage — Why Businesses Must Embrace Digital Payments (Feb 11, 2025)
  The U.S. is moving away from cash transactions. Cash usage in U.S. transactions has dropped from 32% in 2017 to 16% in 2023, with projections showing a further decline to 11% by.