Xadi Business Banking Platform

The only integrated SME business banking platform with built-in accounting, invoicing, and payment gateway. Ready to deploy to your SME customers.

Complete SME Business Banking Platform for Banks

Offer your SME customers a comprehensive business banking solution that combines internet banking, integrated accounting, invoicing, payment gateway, and e-commerce capabilities in one unified platform. Unlike competitors who only offer integrations, Xadi Business Banking Platform includes a truly integrated accounting system—the only platform of its kind.

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Why Banks Choose Xadi Business Banking Platform

Transform your SME banking offering from basic internet banking to a complete business management solution. Give your SME customers everything they need: banking, accounting, invoicing, payments, and e-commerce—all in one integrated platform that rivals BackBase Business Banking but with unmatched integrated accounting capabilities.

Why Banks Should Offer This to SME Customers

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Increase Revenue

Offer value-added services beyond basic banking. Charge for premium features like integrated accounting, invoicing, and e-commerce catalog, creating new revenue streams from your SME customer base.

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Reduce Churn

When SMEs use your platform for banking, accounting, invoicing, and payments, they become deeply integrated with your services. Switching banks becomes significantly more difficult, reducing customer churn.

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Competitive Advantage

While competitors like ING offer basic internet banking, you can offer a complete business management solution. Stand out in the market with features that SMEs actually need and use daily.

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Fast Time to Market

The platform is ready to deploy. No long development cycles. Go from contract to launch in weeks, not years. White-label the solution with your branding and start serving SME customers immediately.

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Target SME Market

SMEs represent a massive underserved market. Most banks offer them retail banking products. Give them what they really need: business banking with integrated business management tools.

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Seamless Integration

Integrate with your existing core banking systems through comprehensive APIs. The platform works alongside your current infrastructure without requiring major changes to your backend systems.

What Makes Xadi Business Banking Platform Unique

Only Platform

Truly Integrated Accounting System

This is our key differentiator. Unlike Revolut Business, Qonto, Finom, and other competitors who only offer accounting integrations, Xadi Business Banking Platform includes a built-in, fully integrated accounting system. Bank transactions automatically sync with accounting ledgers. No third-party integrations needed. No data synchronization issues. One unified system.

✅ Automatic bank transaction to accounting synchronization
✅ Real-time financial reporting
✅ Tax compliance built-in
✅ General ledger and chart of accounts
✅ Financial statements generation
✅ No separate accounting software required

Complete All-in-One Solution

Banking + Invoicing + Accounting + Payment Gateway + E-commerce Catalog. Everything SMEs need in one platform. No need to juggle multiple tools or pay for separate subscriptions.

Bank-Grade Internet Banking

Similar to BackBase Business Banking in terms of banking features. Complete internet banking capabilities including multi-currency accounts, cash management, real-time transactions, and comprehensive reporting.

Ready to Deploy

The product is fully developed and ready. Not a roadmap or concept. Banks can deploy immediately and start serving SME customers right away.

Multi-Platform Access

Available on web, Android, and iOS. SMEs can manage their business banking from anywhere, on any device. Consistent experience across all platforms.

Comprehensive Feature Set

🏦 Internet Banking

Multi-currency accounts
Real-time balance and transactions
Cash management
Account statements and history
Transfer and payment processing
Beneficiary management
Transaction search and filters
Export capabilities

📊 Integrated Accounting

Automatic transaction synchronization
General ledger system
Chart of accounts
Real-time financial reports
Profit & Loss statements
Balance sheets
Tax compliance features
Financial analytics

📄 Invoice Management

Invoice creation and editing
Pro-forma invoices
Automated invoice sending
Payment tracking
Invoice templates
Multi-currency invoicing
Recurring invoices
Invoice analytics

💳 Payment Gateway

Payment links on invoices
Online payment processing
Multiple payment methods
Real-time payment notifications
Payment reconciliation
Secure payment handling
Payment analytics
Refund management

👥 Customer & Product Management

Customer database (CRM)
Product catalog management
Inventory tracking
Customer communication
Sales tracking
Customer analytics
Product pricing management
Order management

🛒 E-commerce Catalog

Website builder for SMEs
Online product catalog
E-commerce functionality
Online sales capabilities
Product showcase
Order processing
Integration with payment gateway
Mobile-responsive design

How We Compare to Competitors

Feature	Xadi Business Banking	Revolut Business	Qonto	Finom	BackBase
Internet Banking	✅ Complete	✅ Yes	✅ Yes	✅ Yes	✅ Complete
Integrated Accounting	✅ Built-in	❌ Integration only	❌ Integration only	❌ Integration only	❌ Integration only
Invoice Management	✅ Built-in	✅ Yes	✅ Yes	✅ Yes	❌ No
Payment Gateway	✅ Integrated	✅ Yes	✅ Yes	✅ Yes	❌ No
E-commerce Catalog	✅ Built-in	❌ No	❌ No	❌ No	❌ No
Bank Transaction Sync	✅ Automatic	⚠️ Manual/API	⚠️ Manual/API	⚠️ Manual/API	⚠️ Manual/API
Multi-platform	✅ Web + iOS + Android	✅ Web + Mobile	✅ Web + Mobile	✅ Web + Mobile	✅ Web + Mobile
B2B Ready	✅ White-label	❌ B2C only	❌ B2C only	❌ B2C only	✅ Yes

Key Advantage: Xadi Business Banking Platform is the only solution with truly integrated accounting. While competitors require third-party integrations (which can fail, have sync issues, or cost extra), our accounting system is built directly into the platform. Bank transactions automatically appear in accounting ledgers with zero manual work or integration complexity.

How Banks Can Use This Platform

1. New SME Banking Product

Launch a complete SME banking product that goes beyond basic internet banking. Offer SMEs a comprehensive business management platform that includes banking, accounting, invoicing, and payments—all in one place.

2. Enhance Existing SME Offering

Upgrade your current SME internet banking with integrated business tools. Give existing SME customers additional value without requiring them to switch to competitors.

3. Competitive Response

When competitors launch new SME features, respond quickly with a complete solution. Deploy in weeks, not years, and offer more comprehensive features than competitors.

4. Market Differentiation

Stand out in the crowded SME banking market. While most banks offer similar basic services, offer something truly unique: integrated accounting and complete business management tools.

5. Revenue Growth

Create new revenue streams from existing SME customers. Charge for premium features like integrated accounting, advanced invoicing, and e-commerce capabilities.

6. Customer Retention

Increase customer stickiness. When SMEs use your platform for banking, accounting, invoicing, and payments, they become deeply integrated with your services, making it difficult to switch banks.

Technical Specifications

Architecture

Cloud-native microservices architecture
Scalable and highly available
Multi-tenant support
API-first design
RESTful APIs
Webhook support for real-time events

Integration

Core banking system integration
Payment processor integration
Third-party service APIs
Webhook endpoints
SFTP file transfer
Real-time data synchronization

Security & Compliance

Bank-grade security
PCI DSS compliance
GDPR compliance
Multi-factor authentication
Encryption at rest and in transit
Regular security audits

Deployment

White-label branding
Custom domain support
Multi-region deployment
99.9% uptime SLA
24/7 monitoring
Automated backups

Ready to Transform Your SME Banking Offering?

Join forward-thinking banks that are offering comprehensive SME business banking solutions. Schedule a demo to see how Xadi Business Banking Platform can help you serve SME customers better.

Schedule Demo Contact Sales

Product is ready to deploy. Fast implementation. White-label available.