upSWOT (Acquired by Uptiq) is a white-label embedded finance and business management platform designed to help banks and financial institutions enhance their online and mobile banking offerings for small and medium-sized businesses (SMBs). upSWOT enables SMB clients to securely connect their accounting, ERP, payroll, eCommerce, marketing, CRM, and other business applications directly to their bank, using just a few lines of code integrated by the financial institution.
The platform aggregates data from these connected sources in real-time, analyzing thousands of business signals to provide SMBs with interactive dashboards, accurate cash flow forecasts, actionable business insights, tools to boost credit scores, and instant business valuation features—all within their banking interface. This approach aims to give SMBs a holistic view of their company's financial health and operations, directly from their banking portal.
On the banking side, upSWOT surfaces actionable data for relationship managers, allowing them to better understand their clients' needs and proactively offer tailored products and services. This strengthens client engagement, supports more meaningful relationships, and helps banks and lenders drive loyalty among their SMB customer base.
Founded in August 2019 and headquartered in Charlotte, North Carolina, upSWOT serves hundreds of financial institutions. Its customers include organizations such as Moven, Temenos, First Southern National Bank, Envestnet, Mphasis, Sunwest Bank, Cion Digital, Standard Chartered Bank, The LCF Group, MX, Wipro Limited, Republic Bank, Alkami, and Mastercard.
How was upSWOT started?
upSWOT was founded by a team with deep expertise in banking, fintech, and digital transformation. The founding team includes executives and leaders from companies such as Moven, Temenos, First Southern National Bank, Envestnet, Mphasis, Sunwest Bank, Cion Digital, Standard Chartered Bank, The LCF Group, MX, Wipro Limited, Republic Bank, Alkami, and Mastercard. Their collective backgrounds span sales, product innovation, banking partnerships, and digital ecosystems, giving upSWOT unique insight into the needs of both financial institutions and SMBs.
Who uses upSWOT?
upSWOT primarily serves banks, credit unions, and fintech providers looking to modernize and extend their digital offerings for SMB clients. These institutions use upSWOT’s platform to give their business customers easy access to advanced financial analytics and business management tools, all seamlessly embedded within the existing banking experience. Notable customers include Moven, Temenos, First Southern National Bank, Envestnet, and Standard Chartered Bank, among others.
What makes upSWOT different?
upSWOT distinguishes itself by combining real-time data aggregation from a wide range of SMB business applications with actionable insights and interactive dashboards, all delivered through a bank’s own secure digital channels. Its white-label approach and rapid deployment (via a few lines of code) make it easy for financial institutions to adopt and offer these advanced capabilities to their SMB clients without building new solutions from scratch.
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