As expectations rise across every segment of corporate banking, the quality of a bank’s digital channels has become central to client loyalty and revenue growth. In 2025, no provider delivered on this front more convincingly than Intellect Design Arena.
Its Corporate Banking eXchange (CBX) platform has set a new benchmark for digital engagement in global transaction banking, providing a seamless experience across cash, payments, liquidity, receivables, lending, trade and supply chain finance (SCF).
CBX gives corporate clients a unified view of their financial activity and enables them to act across products without switching screens, systems or channels. This is the essence of modern corporate banking: simplicity built on top of deep operational and transactional complexity.
In the past year, CBX achieved exceptional commercial momentum, with strong revenue growth and multiple new banks adopting the platform. It now supports more than 300 million transactions annually and serves over 150,000 corporates across Asia, the Middle East, Europe and North America.
Our digital channels product empowers banks to completely own the channel and deliver seamless, intuitive and hyper-personalised experiences across customer segments and industries
Ravichandran Sankara
Corporate channels have long sat at the centre of the build-versus-buy debate. Many banks have historically preferred to build internally, motivated by a desire for control and differentiation. Yet, as corporate clients demand real-time visibility, connected journeys and personalised experiences, the cost, complexity and time-to-market challenges of in-house builds have become unsustainable.
Intellect’s approach helps resolve this tension. CBX provides a proven foundation that incorporates the lessons of global implementations, while still allowing banks to tailor their digital experience to their own brand, design principles and product strategies. Through models such as ‘bring your own UI’ and ‘bring your own design’, institutions can retain full ownership of the visual layer while relying on CBX to deliver the intelligence, data flows and cross-product orchestration that are complex and costly to build internally.
The result is a fundamental shift from the old trade-off between control and speed. With CBX, banks can build and buy – accelerating digital change while preserving the distinct identity their corporate clients expect.
Digital engagement built around corporate personas
The heart of CBX lies in the quality of its digital experience. Persona-based dashboards are designed for CFOs, treasurers, and payables and receivables teams, ensuring that each user sees only the data relevant to their role. Real-time data streaming powers intuitive interactions such as hover-over analytics, contextual prompts and intelligent search. Corporate users can check balances, initiate payments, approve batches, reconcile receivables or review liquidity positions – all within the same application.
This coherence is critical. Corporate clients judge a bank by its ability to minimise friction in daily operations, and CBX achieves this by unifying services that have traditionally been siloed. Payments, receivables, liquidity, virtual accounts, trade and SCF are connected through integrated user journeys, enabling corporates to complete multi-step tasks with fewer screens and less manual intervention.
The platform also supports multiple client segments within the same digital environment. Small and medium-sized enterprises (SMEs), mid- and large corporates, and institutional clients are all served through tailored interfaces under a single application. This not only simplifies the bank’s operating model but also ensures a consistent digital brand across client tiers.
The strength of CBX is demonstrated not only in its breadth of capability but also in its impact on client behaviour. Banks using the platform report higher digital adoption, increased activity and stronger engagement.
Transaction volumes at some institutions have risen by more than 50% year-on-year, supported by improved performance and reliability. User bases have expanded substantially, with tens of thousands of new corporate clients making digital channels their primary interface.
These outcomes reflect a platform that is functionally rich and commercially effective. CBX enables banks to launch new digital propositions rapidly, onboard clients efficiently and drive sustained increases in transaction flows across payments, collections and liquidity.
“Our digital channels product empowers banks to completely own the channel and deliver seamless, intuitive and hyper-personalised experiences across customer segments and industries, providing a truly convergent solution across wholesale banking,” explains Ravichandran Sankara, global head, corporate banking, eXchange product management.
CBX embodies a modern, strategic approach to corporate digital channels. It provides banks with a complete engagement layer across transaction banking, supports rapid innovation and delivers an experience that is intuitive, integrated and intelligent.
