Client Story

Breaking the $1B Growth Barrier

Empowering Silvergate Bank

With a focus on business banking, Silvergate Bank, a $958 million, San Diego, Calif.-based institution, regularly competes with much larger regional and global banks. Increasingly, its customers were demanding the digital capabilities that larger banks offered–namely, the ability to manage their routine and complex business transactions at any time, from any device. It engaged FIS to modernize its core banking system and introduce innovative mobile and business banking capabilities.

At a Glance

Convert to a modern core banking system and implement best-in-class business banking capabilities.
FIS migrated the bank to its HORIZON banking platform and was able to customize the solution to fit the bank’s need. In partnership with the Silvergate operations team, FIS addressed any and all challenges that arose during the core conversion process and was able to roll out the bank’s new business banking features with no disruption to customers.


The reaction from customers to the bank’s new digital capabilities has been overwhelmingly positive. And in terms of operations, Silvergate’s switch to FIS has allowed it to process information faster and eliminate time-consuming manual interventions.

Increased automation

Better risk management

Rapid product development

Our previous provider made us feel as though we were the only bank doing things ‘our way.’ FIS, on the other hand, never made us feel outside the norm and never told us ‘no.’ We felt supported from start to finish.”
<strong>- Chris Lane | Operation & eBanking Systems Manager, Silvergate Bank</strong>
FIS, HORIZON and Business eBanking have helped us get ahead of the growth curve and find ways to better serve our customers.”
<strong>- Michelle Sabins | BSA & CRA Officer, SVP, Deposit Operations and Regulatory Compliance, Silvergate Bank</strong>
I think we have really expanded Silvergate’s horizons by choosing a better service provider. This has been one of the best things the bank has done in a long time.”
<strong>- Michelle Sabins | BSA & CRA Officer, SVP, Deposit Operations and Regulatory Compliance, Silvergate Bank</strong>

Today, Silvergate has gone well past $1 billion in assets and continues to expand its market share among small-and-midsized businesses in the Southern California market. Working with the FIS core implementation team, it’s preparing to roll out additional features and capabilities for its retail and commercial clients.