$31B Bank Modernizes B2B Payments with ERP-integrated Real-time Solutions
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As corporate clients demanded faster, more integrated payment experiences, this leading $31B regional bank in Texas, serving middle-market businesses and corporate clients, recognized that its legacy systems were falling short of modern business needs. While the bankʼs core provider and business banking platform had reliably supported traditional operations, they were not designed to handle the speed, flexibility, and integration required in todayʼs B2B payment landscape.
To stay ahead of market expectations and position itself for sustainable growth, the bank set out to modernize its infrastructure. The goal was to enable real-time payments, integrate seamlessly with clientsʼ ERP systems, and support scalable workflows tailored to key industry verticals. With this transformation, the bank aimed to deliver a unified platform that would streamline operations, enhance client satisfaction, and unlock new revenue opportunities
Challenges
- Corporate clients demanded embedded, real-time payment experiences.
- Legacy systems lacked API support for ERP-integrated payments.
- No unified infrastructure for RTP and FedNow.
- Limited ability to monetize payments due to fragmented data flows.
- Needed an ISO 20022-native, agile platform to modernize.
Solution
- Adopted Finzly’s API-first, ISO 20022-native payment hub
- Unified RTP and FedNow with smart rail routing on a single platform
- Enabled ERP-driven payments through seamless API integration
- Launched quickly using modular apps without core disruption
- Delivered real-time, data-rich payments tailored to industry needs
Key outcomes for the bank
- Embedded ERP banking
- Unified instant payments
- Actionable ISO 20022 intelligence
- Accelerated time-to-market
- Instant loan disbursement
A New era of payments at the bank
The deployment of Finzlyʼs Open Galaxy and Payment Galaxy platforms delivered significant results for the bank, transforming both internal operations and client-facing services. Automation and unified payment routing reduced manual intervention and operational costs while ensuring zero payment failures by intelligently selecting the optimal rail based on the recipient institutionʼs readiness. This level of reliability has boosted client confidence and positioned the bank as a leader in instant payments.
Commercial customers now enjoy embedded ERP banking capabilities, initiating and tracking real-time payments without leaving their ERP environments. This seamless integration not only streamlines their workflows but also provides real-time visibility into cash positions and transaction statuses through holistic dashboards and reporting tools. For the bank, the ability to offer these advanced services swiftly accelerated time-to-market, enabling it to serve high-demand verticals such as healthcare and logistics more effectively and unlock new revenue streams.
Collectively, these improvements have strengthened the bank's competitive edge, allowing it to deliver a modern, differentiated payments experience that meets the evolving expectations of todayʼs B2B clients while preparing for the opportunities of tomorrow
