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Wells Fargo's Vantage mobile and web banking platform is actually designed around what its clients don't have to do.
About $2 trillion a month moves through the platform, which serves roughly 92,000 companies and 1.7 million users, according to Reetika Grewal, who leads Wholesale Digital and Innovation for the bank. Traffic on the platform jumped 222% in 2025 compared to the year before.
What's notable is that the tools serve a range of enterprises from a startup with annual revenues of $2 million to a multinational with $2 trillion in revenues, allowing them all to manage payments, liquidity, lending and capital markets all on the same infrastructure.
"As your company grows, you often have to go from one platform to another platform, because you outgrow a platform," said Grewal. "But you can't outgrow Vantage. The platform will just keep growing with you, so you don't have to keep adding things on because you need something new."
So companies never have to migrate, no matter how their business may change. Many of Vantage's capabilities are simply the result of "really deeply listening to our clients" who want to simplify operations, Grewal said.
Wells Fargo said it has conducted over 4,000 client interviews since the product launched in 2021 to understand what they want. In other words, Vantage is designed around the idea that banking should adapt to the client, not the other way around.
And as adaptive as Vantage is for companies, it's equally adaptive to individual users. It has a dynamic layer of personalization in the middle of it, Grewal explained, which she describes as micro-front ends: "It can show things based on a user level." So if an individual is only able to approve a wire, that's all they ever see, no more, no less, instead of requiring different users to use different software.
Vantage is a unifying product in more respects. "Our clients don't have to swivel chair back and forth between systems," Grewal said. For instance, Vantage can eliminate friction by embedding banking capabilities directly into native workflows that clients use every day, including Oracle, NetSuite, Microsoft, SAP and Workday, among others.
Vantage can also unify information from multiple banks, so that clients can look at non-Wells Fargo accounts from within the Wells platform. It's another example of helping clients avoid toggling back and forth between systems, centralizing the visibility of financial data which in turn helps mitigate risk.
Last year, Wells Fargo launched a single sign-on pilot it says will streamline Vantage even further, after one of its large clients said handling multiple passwords and logins is a major pain point that interrupts workflows and hurts productivity. "Companies are very concerned about managing their overall security, so managing the front door into their banking is really important to them," Grewal said.
The company wanted to be able to use its own authentication credentials to log into the Wells Fargo platform. So the SSO technology, which currently has just a handful of users, lets them access multiple applications with a single set of credentials without separate Vantage usernames and passwords.
That's easier on the users, since they don't have to manage so many credentials, Grewal said. She added that Vantage's login success rate went from 92% to 100% for people using SSO, and that those clients experienced a 100% reduction in password resets as well. The upgrade also significantly reduced the risk of fraud.
Grewal said that the bank plans to keep building out Vantage and that the pipeline of new features is extensive. All of them are geared to a larger ambition: make the list of things clients have to do outside of Vantage as short as possible.
