The hardest challenge in business banking isn't serving small businesses OR enterprise clients—it's serving both on the same platform without compromise. A local coffee shop needs payroll and point-of-sale. A multinational needs letters of credit and supply chain finance. Building digital banking that scales across this spectrum requires platforms that are simultaneously simple enough for a sole proprietor and sophisticated enough for treasury teams. This panel examines how major banks architect products and capabilities that work for businesses of all sizes, the technical decisions that enable scale without fragmentation, and why "comprehensive" beats "specialized" in competitive business banking.
