The corporate internet banking market is undergoing a phase of rapid expansion and strategic consolidation. According to a study by Allied Market Research, the global digital banking platform segment is expected to jump from approximately $30.4 billion in 2023 to over $168 billion by 2032, with an average annual growth rate of over 20%. This progress reflects a structural shift: companies have stopped viewing internet banking as merely an operational channel and have begun treating it as core infrastructure for financial management.

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In Brazil, the trend is moving in the same direction. Data from Febraban (Brazilian Federation of Banks) indicates that internet banking remains one of the primary channels for companies to interact with banks, handling the vast majority of corporate transactions. What has changed is the level of demand. Finance departments now require platforms capable of integrating workflows, consolidating data, automating routines, and providing predictability in environments marked by exchange rate volatility, multiple accounts, and increasingly complex organizational structures.

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This scenario has led financial institutions to rethink the role of their digital platforms. At Ouribank, the redesign of this front was based precisely on this market reading and the need to support growing companies with increasingly sophisticated structures. "Corporate Internet Banking is no longer just a transactional environment; it has become a strategic platform designed for companies that need clarity, efficiency, and autonomy in their financial management," says Reginaldo Marinho Fontes, Director of IT & Products at Ouribank.

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Integration and customization as the core

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Among the pillars of the platform's evolution is the strengthening of centralized management and service integration. Companies with different internal departments, approval levels, and multiple accounts require a unified view and organization by profile. In this context, features such as account principalities, dashboard customization, and more dynamic permission settings are part of the Internet Banking roadmap, with the goal of offering greater clarity and operational efficiency as they are implemented.

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Today, the bank already operates with an integrated structure of specialized corporate accounts, foreign exchange, payments, collections, and statements in a single environment, providing a consolidated view of transactions in Brazil and abroad. For companies involved in foreign trade, this integration reduces rework and increases predictability, especially in routines involving multiple currencies and regulatory requirements.

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The strategy also includes expanding the contextualization of service offerings, incorporating features that allow for suggesting solutions within the company's operational flow, increasingly aligned with its profile and usage behavior.

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User experience is another focus of continuous improvement. The platform already organizes menus and workflows according to internal roles—such as finance, operations, executive management, or compliance—and will continue to evolve to make navigation even more intuitive and personalized, reducing steps and increasing routine efficiency.

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In terms of support, the current model combines digital channels with specialized human assistance, especially for sensitive operations like foreign exchange and payments. The incorporation of an AI-powered chatbot is planned as the next step in the evolution of the digital experience. Expanding integrations via APIs (Application Programming Interfaces) is also part of the technological modernization plan, allowing for deeper connections between systems and greater process automation. "We are structuring an increasingly integrated journey that combines technology and specialized service in a fluid and consistent way," says Fontes.

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Security remains a foundational pillar of our operations. Robust authentication, role-based controls, and structured approval workflows strengthen governance without compromising agility—an essential balance in a corporate environment increasingly exposed to cyber risks and high-value transactions.

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Expansion to individual customers

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The platform's consolidation in the corporate segment has paved the way for a new strategic move. Throughout this year, the bank also plans to expand the portfolio available within Internet Banking, with new corporate investment solutions, more credit options, and advanced features for foreign exchange and international payments.

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Soon, the bank will also launch Internet Banking for individual customers, extending the scope of the technology already applied to businesses. The goal is to offer individual clients the same technological foundation, security standards, and integrated experience developed for the corporate environment. This expansion marks a new stage in the institution's digital strategy, reinforcing its commitment to a unified, scalable architecture designed for diverse user profiles.

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“We are building a more complete, integrated, and intelligent Internet Banking platform that supports growing companies and, soon, individual customers as well—always with a focus on simplicity, security, and efficiency,” concludes Fontes.

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