Merchant intelligence
See demand, enquiry quality, invoice activity and customer engagement beyond balances and POS volume.
Flex54 for banks and partners
See the merchant signals transactions miss.
Flex54 gives your SME merchants an AI frontdesk, while your bank gets a merchant intelligence layer for demand, wallet share, credit timing, and retention.
Banks already see transactions. Flex54 shows the business behind them.
Merchant intelligence connects customer demand, operating activity and relationship signals into one view your SME teams can act on.
Daily relationship
Place Flex54 inside the merchant workflow so your bank stays present between transactions.
Better finance timing
Use operating signals to shape credit, treasury, savings and retention plays when merchants need them.
Embedded distribution
Offer Flex54 through POS, SME banking, relationship managers or partner marketplaces.
Merchant signal layer
See the signals transactions alone do not show.
Flex54 turns merchant conversations, invoices and follow-up activity into portfolio intelligence your SME teams can act on.
Market and demand trend
Intent strength, enquiry quality and invoice pressure in one view.
$1.24B
+9.7% vs Apr
Demand value
$1.24B
+9.7%
Qualified enquiries
18.6k
+12.4%
Invoice intent
$376K
+6.2%
Demand mix
Enquiries42%
Invoices28%
Follow-ups20%
Payments10%
Demand over time
Last 30 days
Signal quality84/100
Credit moment312 SMEs
Next actionRM outreach
Cross-banking activity and share of wallet
External-bank activity reveals where the relationship is leaking and where retention should move first.
12.8kSMEs
Cross-banking share
27.1%
+2.9pp watch
Union Trust24.4%
Metro Bank17.8%
PrimeBank14.4%
Capital Bank11.4%
Alerts and opportunities
Signals become plays for credit, retention and relationship teams.
High-priority
128
+16.5%
Credit fit
42
+12.8%
Retention risk
27
-6.4%
Opportunity pipeline
New156
In review98
Engaged78
Won48
Offer working capital
41 growth-ready merchants
Increase limit
52 higher-growth merchants
Retention call
27 at-risk merchants
Distribution model
A partner model that works with your existing channels.
Flex54 can be distributed through SME banking, POS estates, merchant success teams or bank-branded campaigns.
1
Introduce
Bank offers Flex54 to merchants from existing SME channels.
2
Operate
Merchants use the AI frontdesk for conversations, leads, invoices and payments.
3
Activate
Bank receives aggregated insights to improve wallet share, lending and retention.
Partner with Flex54
Give your SME merchants the frontdesk they need, and the signal layer your bank needs.
Book a partner call to discuss distribution, onboarding, reporting and a pilot for your merchant portfolio.
POS and merchant acquiring teams
SME banking and relationship managers
Partner marketplaces and bundles
Bank-branded merchant growth programs