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Cale Johnston knew what startup success looked like. ClickSwitch, his first company, had a software platform that simplified the process of moving consumer accounts from one financial institution to another. It grew to more than 100 employees and was acquired in 2021 by a publicly traded company.

For years, business banking teams have worked hard to understand their commercial clients, but the tools haven’t kept pace. Relationship managers still rely on spreadsheets, static reports and periodic check-ins to gauge whether a business might need new treasury services, lending solutions or better account structures.

For decades, banks have competed fiercely for commercial deposits, often emphasizing pricing, digital onboarding and treasury services as their growth levers. Yet a stubborn bottleneck persists — a long-standing challenge in commercial banking: the complexity of moving a business’s primary operating account.

In this episode of the Fintech Combine, Kris Kovac talks with Cale Johnson, founder of Onsetto and former ClickSwitch CEO. Cale shares hard-won lessons from building and selling his first fintech, why business account switching is the industry’s hidden bottleneck, and how Onsetto is helping banks and credit unions finally achieve true commercial primacy.