Commonwealth Bank is pursuing plans to retool its payments and cash management products - originally engineered for big business - into products that appeal to even very small businesses.In an interview with banking research firm East & Partners, and published at East's website, Leslie Martin, executive general manager working capital services at CBA said that "over the last 20 years, most of our working capital services themes have been invented for the top end, for the Top 500. "We're now in the position of being able to shrink-wrap a lot of the capability that we built for BHP and make it available to the corner milk bar.… so I guess I'm looking for growth down the turnover tree and while the commercial segment is a happy hunting ground, I really think it is in the SME and micro business segments that we are going to get a lot of vibrancy. "The receivables finance market is growing at a great rate of knots and the combination and permutation of those kinds of things with the operating dimension is going to give us some good growth."The other hugely growing segment is this online high yield deposit account area. We're in the market now with a quiet offering in this space and we've been mindful that at least in the relationship-managed end of business banking we've always been able to hold onto those funds by popping them into the money market. "The online capability's going to change that dramatically and make us more relevant for other people who had been sweeping money to other institutions. In terms of the growth in the deposits market, that online high yield space is the single biggest growing part of the APRA data that you can find, so not having an offering there is a big mistake."In the interview with East's executive editor Paul Bartholemew, CBA's Leslie Martin explained the relevance to the bank's premium business services arm (of which working capital services is one arm) of the bank's CommSee service platform.Martin told East that, "in the long term, this will give us quite a sustainable advantage in this market. So this, in addition to some fantastic new products we will be launching this year, will position us strongly in the next cycle."As much as we're organised for transacting electronically, there is still an important role for physical networks, such as branches and other distribution channels. So if we're not on our toes, we're going to be the big defender. But for a whole host of reasons, a lot of the investment we've made in technology under the aegis of 'Which new Bank' is going to start becoming discernible to customers."Martin flagged a change in outlook within CBA."We've had a really strong product centric proposition particularly in Working Capital Services, but we're shifting that to a customer solution approach. You can ask why that's different, and if it was one of our competitors sitting here I'm sure they'd say they were also customer centric, solution oriented."Read the