BankEdge was founded upon the idea that the right blend of banking knowledge, industry market data sources and financial modelling would give businesses an edge in banking negotiations.

Our business set out to create a world-first bank margin analysis platform after seeing countless businesses disadvantaged by a lack of information and market transparency. Our service combines leading data-modelling techniques with financial risk pricing principles to provide contextualized insights into SME and mid-market lending margins.

We understand and promote the importance of a productive customer-bank relationship and provide the tools to ensure fair relationship reciprocity. BankEdge equips businesses with powerful insights to help reset their bank margins and proactively monitor their facilities.

The BankEdge team is excited to be making complex financial market data relevant,
accessible and visual to aid businesses in their banking negotiations.

Our team

Daniel Chalmers

Managing Director

Dan founded BankEdge from his need to bring an edge to businesses, deep knowledge of financial risk principles and experience with big data. After two decades of working in a major Australian bank and then as an independent banking consultant, he is an expert in Bank Treasury functions including Asset and Liability Management, Funds Transfer Pricing functions, non-traded Interest Rate Risk management and Bank Capital management.

As a Financial Derivative Structurer in the Global Financial Markets division, he matched financial risk management products with customer needs by combining his financial engineering abilities with his strong business acumen. He solved a debilitating bank-wide problem to create the first ‘single client view’ mash up from the numerous legacy systems. His work has received CEO and Board level interest due to its potential for significant revenue uplift.

Building from this experience, Dan has pursued the development and launch of a market leading solution to a decade old problem for SME and mid-market businesses: what is a fair bank margin?

Dan is one of few outside of the banks who has bothered to read Basel III and APRA Capital Adequacy Standards, studies the quarterly Bank APS330 regulatory capital disclosures, and gets excited by RBA papers and Major bank financial updates.

Jaime Garzon 

Front-end Web Developer 

Jaime is a Software Engineer with a Master of Information Technology from the University of Queensland. He joined BankEdge as a front-end developer to drive significant improvements to the platform’s style and user functionality. He has integrated the output from our complex data structures and banking models into visual and understandable diagrams for maximum customer insight. Jamie has a passion for programming, specifically for algorithms and data structures, and is motivated to produce innovative solutions for challenging problems.  

Olivia Mackenzie-Ross 

Full-stack Developer  

Olivia has seen the evolution of the BankEdge platform since 2018. As a full-stack developer, she transforms raw data into accessible insights. She has been instrumental in transforming the business requirements into elegant technical solutions. Olivia has a talent for understanding complex business concepts and innovating them for unique features or functionality. She has applied her passion for problem solving to creating valuable features for the end user. 

Jason Hassell 

Full-stack Developer 

Jason is a Full-stack Developer nearing completion of his Bachelor of Computer Science at the University of Queensland. He develops new features that support BankEdge customers whilst also providing a streamlined user experience. Jason ensures the BankEdge platform is maintained and optimised for speed and scale.  

Leticya Cole 

Marketing Assistant

Leticya is responsible for driving demand and raising brand awareness, ensuring CFOs and business owners know of and use our market-leading platform to negotiate their fair bank margin. She helps our customers reflect on their bank lending margins through educational finance content whilst promoting BankEdge’s capabilities with marketing campaigns.  

Our Solution

We built a bank pricing platform

It is a simple question: what is a fair margin for my business?

But an incredibly difficult question to answer. That is why we built a quantitative capital, funding and risk-based pricing platform.

Why? Because this information is incredibly valuable.

  • Wholesale Cost of Funding
  • Customer deposit Cost of Funding
  • COVID-19 RBA response policies
  • RBA Term Funding Facility: initial allowance
  • RBA Term Funding Facility: additional allowance
  • Risk weighted assets
  • Term Lending Facilities
  • Multi-currency, sole/club/syndicated Facilities

The Problem

Margin Reviews as a Service platform.
We tackle the issue of market information asymmetry that causes one-sided, complex, often unsubstantiated Bank Margin negotiations.

We equip and empower corporate companies with market based information to drive fair and transparent banking arrangements.

Banking Decoded

It is a frequent observation that business financial decision makers are not equipped with current and accessible bank-market insights required to engage in robust, transparent and competitive two-way bank pricing negotiation. This disadvantage erodes business profitability.


The BankEdge platform decodes the inner workings of financial institutions and financial markets to provide understandable, contextualised and relevant insights at the customer product and transaction level.


BankEdge creates highly desired bank accountability and margin transparency to enable strategic decisions that maximise the benefits of ‘product pooling’ – commonly known as cross-sell. Cross-sell is a critical driver for all financiers as they seek to both preserve and grow shareholder returns.

Our Philosophy

You need your bank

You need your bank.

Your bank needs appropriate Total Return from your business, often expressed as a Return on Equity [RoE] measure.

The inner workings of the Banking industry are complex and create a large negotiating power differential. Ineffective negotiations will occur where there is asymmetrical information which results in sub-optimal outcomes for the smaller party, and above market ‘super returns’ for the larger party.

Negotiating with a bank is often intimidating and one-sided.

We can help

We can help.

We believe technology can democratise the complex world of SME to middle-market banking and empower customers.

We know our systems and algorithms are built on the same fundamental Global Standards and Frameworks and Financial Market Conventions used by the Banking Industry.

We know bank pricing is driven by the models and maths, that numbers speak and defensible-data doesn’t lie.

Relationship Reciprocity

We don’t underestimate the value of relationship, but expect reciprocity.

We believe education and transparency over bank margins will improve price negotiations and drive accountability, improve market function and efficiency.