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. These businesses run ...

• 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. In ...

• 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 from ...

• 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. This post highlights ...

• 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. But to fully ...

• 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. With increasing competition from fintechs and third-party ...

• 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. Many business owners face cash shortages due to delayed customer ...

• 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 ...