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Digerati AI

  • FOR BUSINESS BANKING

    Unlock the full 
    ​potential of your
    ​commercial
    ​relationships

    BIP gives your business banking team AI-powered intelligence on every commercial account — cash flow patterns, growth opportunities, and relationship health — all in one platform.
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    BIP — Business Banking Intelligence
    Opportunities Detected
    💳
    Commercial card program
    85%
    🏦
    Treasury management
    78%
    Monthly Cash Flow
    $847K
    ↑ 12% vs last month
    ⚠️
    Cash Flow Alert
    Projected shortfall in 14 days. Recommend proactive outreach about LOC increase.

Built for business banking teams

BIP understands the unique needs of commercial relationships — from 

cash flow analysis to treasury opportunity detection.

Relationship Intelligence

See the complete picture of every business relationship — accounts, products, transaction patterns, and relationship health scores — all in one view.

Cash Flow Analysis

AI-powered cash flow pattern detection identifies seasonal trends, growth signals, and potential stress indicators before they become problems.

Opportunity Detection

Automatically surface cross-sell opportunities — treasury management, commercial cards, equipment financing — based on business behavior patterns.

Proactive Alerts

Get ahead of problems with early warning alerts for declining balances, cash flow stress, and relationship risk indicators.

Growth Signals

Identify businesses that are scaling up - new locations, hiring, equipment purchases — and time perfectly time your outreach.

BIP Agent

Ask anything about your commercial portfolio in plain English. "Which businesses are ready for a larger line of credit?"

Use cases for your team

BIP fits into the daily workflows of relationship managers, commercial 
lenders, and treasury teams.

Relationship Management

Give RMs a complete view of every business relationship. See health scores, recent activity, and opportunities before every call or meeting.

Ask the BIP Agent
"Show me businesses with LOC utilization over 70% and growing revenue"

Treasury & Cash Management

Identify businesses with complex cash flows that would benefit from treasury services, sweep accounts, or commercial card programs.

Ask the BIP Agent
"Which businesses have high transaction volume but no treasury services?"

Commercial Lending

Spot businesses that are growing and may need additional credit — equipment financing, real estate, or working capital lines.

Ask the BIP Agent
"Show me businesses with LOC utilization over 70% and growing revenue"

Risk & Portfolio Health

Monitor your commercial portfolio for early warning signs — declining balances, cash flow stress, or concentration risk.

Ask the BIP Agent
"Which commercial accounts have declining deposit balances over 3 months?"

The difference BIP makes

Stop relying on spreadsheets and gut feelings for your commercial portfolio.

WITHOUT BIP

Flying blind

  • Manual relationship reviews in spreadsheets
  • Reactive — problems surface too late
  • Cross-sell based on gut feel, not data
  • RMs prepare for meetings from memory
  • Portfolio risk discovered in quarterly reviews

WITH BIP

Full visibility

  • Real-time relationship health dashboards
  • Proactive alerts before problems escalate
  • AI-powered opportunity scoring
  • Meeting prep in seconds with BIP Agent
  • Continuous portfolio monitoring

Ready to transform business banking?

Schedule a demo to see how BIP can help your team 
deepen commercial relationships and grow your portfolio.

Schedule a demo
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