A digital banking system for businesses refers to the use of digital platforms and technologies to manage financial transactions, payments, and other banking services for businesses. As a business guru, I would recommend the following key features for a robust and efficient digital banking system:

1. Secure and user-friendly interface: The banking system should have a secure and user-friendly interface that is easy to navigate for business owners and their employees. This will ensure that transactions can be conducted quickly and efficiently, without the need for technical expertise.

2. Multiple account management: The banking system should allow businesses to manage multiple accounts, including checking, savings, and credit card accounts, in one place. This will make it easier to track and manage their finances, as well as to make payments and transfers between accounts.

3. Real-time transaction monitoring: The banking system should provide real-time monitoring of transactions, including deposits, withdrawals, and payments. This will allow businesses to keep track of their cash flow and ensure that all transactions are accurate and up-to-date.

4. Online invoicing and payment: The banking system should allow businesses to create and send invoices online, and accept payments from customers directly through the platform. This will save time and reduce the risk of errors and fraud associated with manual invoicing and payment processing.

5. Integration with accounting software: The banking system should integrate with popular accounting software, such as QuickBooks or Xero, to simplify bookkeeping and accounting tasks for businesses.

6. Mobile banking: The banking system should offer a mobile app that allows business owners and their employees to access banking services on the go, such as checking account balances, making payments, and depositing checks.

7. Fraud protection: The banking system should have strong security measures in place to protect against fraud and cyber attacks, including multi-factor authentication, encryption, and fraud monitoring.

By incorporating these features into a digital banking system, businesses can streamline their financial operations, reduce the risk of errors and fraud, and focus on growing their business.