Modernizing, without breaking the bank

Core banking systems were never designed to fuel your digital channels, let alone keep up with today’s pace of innovation. Our Omnichannel Banking Services changes that by creating a flexible framework that allows you to gradually shift capabilities away from your outdated systems. The result? You can leverage your core for what it’s truly meant for, while delivering quick, meaningful value through a robust, modern platform.

Payments made easy

Orchestrate simplified money movement Offer a unified payments experience with reduced risk in transfers to your customers. Our Digital Banking capabilities enable you to orchestrate all payment and transfer types, from internal to external, intrabank to person-to-person payments, and more. Additionally, our intuitive self-service functionalities reduce the reliance on your branches and call centers so you can focus on your customers’ most essential needs.

Product summary

The right insights, all in one place Eliminate the need for your customers to toggle between banking apps by offering a unified product overview. That means all your customer accounts and transactions across different financial institutions and core systems will be conveniently grouped in one single overview, allowing your bank to offer meaningful financial insights at a glance.

Cards management at your fingertips

Maximized self-service for higher customer satisfaction Reduce reliance on your branches and call centers by equipping your customers with powerful self-service capabilities. Allow in-app general card management, such as locking and unlocking, plus PIN requests/resets, as well as managing spending limits, travel notices, authorized users, and more.

Simplified wallet provisioning

Eliminate lengthy, multi-step card tokenization processes Allow your customers to add payment cards (debit, credit, pre-paid) to digital wallets (Apple Pay and Google Pay) directly from their banking app. Make purchasing convenient by allowing payment cards — both virtual and plastic — to be directly and instantly added from your banking apps to their digital wallets.

Pockets

Accelerate financial wellbeing with saving goals Improve the financial wellbeing of your customers by helping them achieve their savings goals. Our intuitive Pockets leverage customer data and AI to make recommendations within the app, thereby empowering them to create and achieve their saving goals.

Robo Advisory

Algorithm-based financial advice Use robo-advisory to automatically offer compliant and personalized investment strategies to your customers. Combine technology and financial expertise to offer personalized financial and investment recommendations.

Trading

Enable buying and selling anywhere, anytime Empower your customers with versatile trading capabilities. Initiate self-guided investment journeys and offer a first-class modern trading experience. And what’s more? Our always accessible overview shows customers their assets in real-time, all within the safety of the banking app they already know. That includes performance monitoring for stocks, available in real-time.

Portfolio management

Full portfolio control and transparency Put the power of full portfolio management and transparency in your customers’ hands. Provide an extensive view that includes instrument positions, allocations, cumulative performance, valuation, and variation. You can even allow your customers to view a list of transactions in their portfolio, search for specific transactions, or simply filter via a set of parameters.

Personal finance management

Get a 360° view of financial data and financial wellness Connect siloed data systems to provide contextualized and enriched transaction information. Enable your customers to gain insights on their spending habits through data analytics dashboards. Improve the overall financial wellbeing of your customers while reducing the volume of calls to your helpdesk.

Business finance management

Help your customers make smart decisions with financial forecasts Give businesses the tools they need to succeed. Offer real-time insights on cash flow data, enabling end-users to improve their financial health and the performance of their small-and-medium-sized enterprises (SME) — all while increasing your acceptance rate for credit and loan applications.

Savings plan

Boost customer savings with smart investments Help your customers go from savers to investors. Now, you’ll be able to effectively target digital natives that are new to investing with a winning formula that’s proven successful across banks and products. You’ll help them build confidence by educating, simplifying, and highlighting the benefits of investing — while minimizing distractions and lowering entry barriers — giving them a seamless start to their investment journey.

Positive pay

Prevent check fraud at scale Help your business proactively safeguard themselves against unauthorized check transactions. They’ll be able to improve the accuracy of their checks and minimize errors by verifying details against issued records — simplifying the banking reconciliation process. Your SME customers will feel safe and in control with our Automated Clearing House (ACH) and check fraud. And for larger corporates, you’ll be able to equip your financial managers with our fast, intuitive, intelligent anti-fraud tool, boosting their efficiency without compromising security.

Capabilities

• Accounts
• Transactions
• Payments
• Contacts
• Financial insights
• Batches
• Remote deposit capture
• Portfolio management
• Cash flow forecasting
• Robo Advisory
• Trading