Commonwealth Bank of Australia (CBA) - Best Tech Awards 2025 Next Gen Innovator
Real-time, simplified, broker-first: CBA’s commission transformation Download the DocumentSAP Australia and New
Zealand Best Tech Awards
2025
Zealand Best Tech Awards
2025
Best Tech SAP
Industry WebsiteProduct and Services Featured SAP Solutions
Banking and
Financial
Services
www.commbank.com.auRetail and commercial banking,
broker and partner lending
SAP Sales Performance Management
Commonwealth Bank of Australia (CBA) is one of the country’s leading financial institutions, serving millions of customers through a
national network of branches, brokers, digital channels and partners. With more than 20,000 brokers supporting its lending
operations, CBA plays a critical role in helping Australians access home loans and financial services.
To support this broker ecosystem, CBA is modernising how it manages commission payments – creating faster, more reliable and
more flexible services for both brokers and internal teams.
The transformation is centred on SAP Sales Performance Management (SPM). Internally branded as ‘CommRem’, this platform
automates the full commission processing lifecycle, replacing legacy infrastructure and enabling real-time responsiveness through
secure API integration.
Real-time, simplified, broker-first: CBA’s
commission transformation
Next Gen Innovator
Industry WebsiteProduct and Services Featured SAP Solutions
Banking and
Financial
Services
www.commbank.com.auRetail and commercial banking,
broker and partner lending
SAP Sales Performance Management
Commonwealth Bank of Australia (CBA) is one of the country’s leading financial institutions, serving millions of customers through a
national network of branches, brokers, digital channels and partners. With more than 20,000 brokers supporting its lending
operations, CBA plays a critical role in helping Australians access home loans and financial services.
To support this broker ecosystem, CBA is modernising how it manages commission payments – creating faster, more reliable and
more flexible services for both brokers and internal teams.
The transformation is centred on SAP Sales Performance Management (SPM). Internally branded as ‘CommRem’, this platform
automates the full commission processing lifecycle, replacing legacy infrastructure and enabling real-time responsiveness through
secure API integration.
Real-time, simplified, broker-first: CBA’s
commission transformation
Next Gen Innovator
Challenges
CBA’s broker network plays a vital role in helping customers access lending services. As this channel continued to grow, so d id the need for
faster, more adaptable systems to support how broker commissions were processed and managed.
At the time, key steps in these workflows were spread across several tools. This included Salesforce, MyAdvisor, MS Access, RPay and
others. These systems weren’t designed to work together end to end, so teams often had to rely on scheduled processes, file t ransfers, and
manual checks to keep everything moving.
While the setup had served its purpose, it created avoidable delays and extra effort, especially when making payments, genera ting
statements, or resolving queries. Making simple changes, like adjusting payment frequency, required coordination across multi ple teams
and platforms.
CBA saw an opportunity to simplify how these activities were managed – bringing more control into a single environment, reducing reliance
on manual steps, and supporting a more consistent experience for internal users and brokers alike.
The result is a cleaner, more responsive platform that scales with demand and supports the future of broker engagement.
CBA’s broker network plays a vital role in helping customers access lending services. As this channel continued to grow, so d id the need for
faster, more adaptable systems to support how broker commissions were processed and managed.
At the time, key steps in these workflows were spread across several tools. This included Salesforce, MyAdvisor, MS Access, RPay and
others. These systems weren’t designed to work together end to end, so teams often had to rely on scheduled processes, file t ransfers, and
manual checks to keep everything moving.
While the setup had served its purpose, it created avoidable delays and extra effort, especially when making payments, genera ting
statements, or resolving queries. Making simple changes, like adjusting payment frequency, required coordination across multi ple teams
and platforms.
CBA saw an opportunity to simplify how these activities were managed – bringing more control into a single environment, reducing reliance
on manual steps, and supporting a more consistent experience for internal users and brokers alike.
The result is a cleaner, more responsive platform that scales with demand and supports the future of broker engagement.
Solution
CBA implemented a modern, cloud-based commissions platform internally named ‘CommRem’.
Built using the SAP Sales Performance Management solution, it was integrated with internal systems via secure APIs to replace manual file transfers
and overnight batches with real-time payment processing.
The previous payment process, which required scheduling, middleware, and downstream system handoffs, has been fully replaced. Now, once
commission calculations are complete, payments are initiated directly from CommRem. Bank account validation and exception handling are built in,
and alerts are triggered automatically in case of failure.
Business users can now:
– View and approve payments in real time
– Generate statements automatically
– Hold or adjust payments from a single screen
– Trace any payment back to its original calculation instantly
In addition to automating calculations and payments, CommRem centralises all payment activity in a single, auditable environm ent. Teams no longer
need to coordinate across systems or chase down files – they have a full history of every transaction, from rule logic to disbur sement.
The platform also brings flexibility. Teams can update commission plans, apply changes mid-cycle, or rerun calculations with minimal overhead. Rules
and policies are maintained within the system, reducing compliance risk and supporting consistent execution.
This has significantly improved transparency and control across the commissions workflow, giving teams real -time oversight and simplifying what was
once a highly manual, multi-step process.
CBA implemented a modern, cloud-based commissions platform internally named ‘CommRem’.
Built using the SAP Sales Performance Management solution, it was integrated with internal systems via secure APIs to replace manual file transfers
and overnight batches with real-time payment processing.
The previous payment process, which required scheduling, middleware, and downstream system handoffs, has been fully replaced. Now, once
commission calculations are complete, payments are initiated directly from CommRem. Bank account validation and exception handling are built in,
and alerts are triggered automatically in case of failure.
Business users can now:
– View and approve payments in real time
– Generate statements automatically
– Hold or adjust payments from a single screen
– Trace any payment back to its original calculation instantly
In addition to automating calculations and payments, CommRem centralises all payment activity in a single, auditable environm ent. Teams no longer
need to coordinate across systems or chase down files – they have a full history of every transaction, from rule logic to disbur sement.
The platform also brings flexibility. Teams can update commission plans, apply changes mid-cycle, or rerun calculations with minimal overhead. Rules
and policies are maintained within the system, reducing compliance risk and supporting consistent execution.
This has significantly improved transparency and control across the commissions workflow, giving teams real -time oversight and simplifying what was
once a highly manual, multi-step process.
Impact
20,000+ brokers supported with new
platform 4 legacy systems decommissioned
80% reduction in payment processing
time
The shift to SAP SPM has delivered tangible improvements across broker payments, system management, and internal efficiency.
Previously, it could take half a day and constant manual monitoring to process a batch of payments. With the new platform, CB A now processes 500 payments in
around 90 minutes, with automatic alerts and real-time responses.
Statement generation, payment approvals and audit trails are now managed in one place – allowing business teams to operate more independently and IT teams to
focus on support and innovation.
Legacy systems including MyAdvisor, Data Loader, Tumbleweed and MS Access have been decommissioned – reducing cost, risk, and complexity.
The new model also gives CBA the ability to:
– Adjust payment frequency when needed
– Respond faster to broker enquiries
– Improve alignment between calculated commissions and actual payments
– Increase system resilience and scalability
– Strengthen compliance and reporting visibility
– Reduce processing risk and manual intervention
These changes support over 20,000 brokers with faster, more transparent service. The platform also enables flexibility for fu ture innovation and cost efficiency.
20,000+ brokers supported with new
platform 4 legacy systems decommissioned
80% reduction in payment processing
time
The shift to SAP SPM has delivered tangible improvements across broker payments, system management, and internal efficiency.
Previously, it could take half a day and constant manual monitoring to process a batch of payments. With the new platform, CB A now processes 500 payments in
around 90 minutes, with automatic alerts and real-time responses.
Statement generation, payment approvals and audit trails are now managed in one place – allowing business teams to operate more independently and IT teams to
focus on support and innovation.
Legacy systems including MyAdvisor, Data Loader, Tumbleweed and MS Access have been decommissioned – reducing cost, risk, and complexity.
The new model also gives CBA the ability to:
– Adjust payment frequency when needed
– Respond faster to broker enquiries
– Improve alignment between calculated commissions and actual payments
– Increase system resilience and scalability
– Strengthen compliance and reporting visibility
– Reduce processing risk and manual intervention
These changes support over 20,000 brokers with faster, more transparent service. The platform also enables flexibility for fu ture innovation and cost efficiency.
“”“The successful implementation of SAP Callidus has transformed our broker operations, delivering
automated commission processing and instant payment capabilities that drive efficiency and broker
satisfaction. This positions us as an industry leader in innovative broker technology solutions.”
Nitin Kushwaha, Broker Technology Lead
automated commission processing and instant payment capabilities that drive efficiency and broker
satisfaction. This positions us as an industry leader in innovative broker technology solutions.”
Nitin Kushwaha, Broker Technology Lead