ACI SELF-SERVICE BANKING

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1 DELIVERS CONTROL, CHOICE AND FLEXIBILITY PRODUCT FLYER ACI SELF-SERVICE BANKING SINGLE INTEGRATED PLATFORM FOR ONLINE, MOBILE AND VOICE EXTENSIBLE REAL-TIME CONSUMER AND BUSINESS TRANSACTIONS AND PAYMENTS EXCEPTIONAL AVAILABILITY AND RELIABILITY ACI Self-Service Banking is a single, integrated platform for consumer and business online banking, bill pay, mobile, voice banking, marketing and administration that empowers financial institutions with the control, choice and flexibility to quickly respond to the changing financial needs of consumers and businesses. With digital disruption fundamentally changing how consumers and businesses interact with their financial institutions, the need to embrace easy-touse, self-service technology is imperative for financial institutions to remain competitive as greater emphasis is placed in the on-demand experience. Offering a seamless omni-channel experience, Self-Service Banking provides a more personalized end-user experience allowing users to securely manage their finances from any device, anywhere. Self- Service Banking brings a rich feature set allowing end users to efficiently manage their finances, including online enrollment, password reset, real-time balances and stop payments, transfers, ACH, positive pay, personal financial management, multi-level entitlements and more that empower consumers and businesses with a secure, always-available banking experience.

2 ACI WASN T JUST A TECHNOLOGY PROVIDER. IT WAS A TRUE PARTNER THAT PROVIDED US WITH A COMPLETE SOLUTION FROM END TO END. Mark Terry CIO, The Palmetto Bank SINGLE, END-TO-END BANKING PLATFORM DELIVERS CONTROL, CHOICE AND FLEXIBILITY ACI s Self-Service Banking solution offers community financial institutions flexibility, speed and choice, allowing banks to respond quickly to the specific needs of consumers and businesses, enabling real-time anywhere, any device access to banking and payments. Services such as personal financial management, online account opening and retail money transfer for consumers and others, such as positive pay, payroll automation, ACH facilitation and tax payments for businesses, provide the solutions end users need to easily manage their financial landscape from a single solution. CONSUMER ONLINE BANKING FEATURES AT A GLANCE EXTENSIBLE AND CONFIGURABLE SELF-SERVICE CHANNELS ON A SINGLE PLATFORM EASE OF USE AND PREFERENCES FOR A PERSONALIZED, ONLINE EXPERIENCE EFFECTIVE BRANDING AND MARKETING TOOLS TO KEEP THE BRAND CONSISTENT CHOICES FOR PLATFORM DELIVERY: SaaS (HOSTED) OR ON-PREMISE REAL-TIME PROCESSING, STANDARD ROUTING, MONITORING, AND STAND-IN AND NIGHT MODE ADVANCED SECURITY AND FRAUD DETECTION COMPLETE TRANSACTIONAL SERVICES: BALANCES, ACH, WIRES, PAY BILLS, TRANSFERS, STOP PAYMENTS, STATEMENTS, LOAN PAYMENTS AND MORE BUSINESS ONLINE BANKING COMPREHENSIVE BUSINESS SERVICES: MULTI- LAYER ENTITLEMENTS, ACH PAYMENT AND RECEIPT, WIRES, PAYROLL, TAX PAYMENT, CHECK RE-PRESENTMENT, CASH CONCENTRATION AND DISBURSEMENT, AND MORE EASY-TO-USE OPERATIONAL TOOLS AND CONFIGURABLE BUSINESS PROCESSES MOBILE BANKING BROWSER AND APPS INTEGRATED BILL PAYMENT, ebills AND EXPEDITED PAYMENTS SUPERIOR VOICE BANKING FUNCTIONALITY AND CONFIGURABILITY 2

3 MOBILIZE BANKING AND PAYMENTS TO ENGAGE END USERS WHERE AND WHEN THEY WANT MOBILE BANKING APPROVE ACH AND WIRE TRANSFERS The mobile phone has moved to an essential and globally pervasive means of accessing financial information. With 57 percent of smartphone users in the U.S. using mobile banking features, leading financial institutions are embracing mobile banking and payments in order to remain competitive. Worldwide, consumers are twice as likely to carry mobile phones as cash and U.S. consumers expect their financial institutions to provide increasingly more mobile capabilities to conduct transactions and make payments. Self-Service Banking enables financial institutions to deliver and administer the entire digital banking portfolio, including a robust mobile banking solution for consumers and business users to easily and securely manage their finances anywhere, anytime via downloadable apps, mobile browser and text message. With ACI Mobile Banking, community financial institutions gain the flexibility, speed and choice they need to meet the mobile needs of consumers with critical financial services, including real-time balances, transfer funds and bill payment. And with more and more businesses leveraging mobile devices to manage their financial operations on the go, mobile business users gain timely access to additional commercial mobile features, including pending transfers, information for ACH and wires, mobile remote deposit capture (mrdc), transaction approvals and more. Mobile Banking leverages the power of the single Self- Service Banking platform to provide a consistent, real-time experience across the channel as well as across all Self-Service Banking solutions. 3

4 GROW CONSUMER AND BUSINESS CUSTOMER RELATIONSHIPS WITH FINANCIAL TOOLS On-demand features that simplify the day-to-day lives of consumers and business owner operations, such as payroll automation, ACH facilitation and tax payments, and secure product applications like outof-band authentication, help attract new customers and improve the end-user experience. For existing end users, automated password reset, multi-layer entitlement rights and real-time transactions provide critical, time-sensitive services. Plus, financial institutions can use quantifiable marketing tools available within the self-service solutions to up sell and cross sell to targeted prospects. With the Self-Service Banking platform providing a consistent, real-time experience across the channel, consumers and businesses can rest assured that their financial information remains current and competitive. SIMPLIFY BACK-OFFICE ADMINISTRATION WITH A SINGLE, EASY-TO-USE TOOL For financial institution employees, the same shared infrastructure can be used for administrative and operational efficiency. The Self-Service Banking Manager delivers a consistent view of customers across all self-service channels, streamlining operational interaction, resulting in lower training costs for employees. Customer service representatives and administrators interact with the system via a browser-based user interface portal that allows them to easily manage and administer: Disclosures for online banking, mobile banking, external transfers and bill payment Service plans for packaged offerings based on user segments and transaction limits One-time pass code challenge for a layered security approach System alerts including security, user information updates and more Configurations for host tran codes, product categories, disclaimers with strong security alerts Core connections for nightly processing to ensure zero customer impact Push marketing content across consumer and business banking BANKING MANAGER 44

5 RETAIN AND UP SELL THE FINANCIAL INSTITUTION S MOST PROFITABLE END USERS The single-platform approach helps financial institutions more precisely segment their customers, identify potentially profitable product bundles and then deliver them through the selfservice channels. Banks can generate fee revenue and provide value-added services to their most profitable customers with defined service plans that offer the right feature set for the size and financial needs of the business. Service plans can easily be administered in the Self-Service Banking Manager, enabling financial institutions to set up charge plans based on per transaction, per item or per feature, and imported into the core system or an account analysis system. ENGAGE CONSUMERS AND BUSINESSES WITH VALUE ADDED SERVICES 5

6 GAIN SEAMLESS BANKING AND BILL PAY SERVICES WITH ACI BILL PAYMENT Customers or members who have invested the time to set up bill payment and ebill services at their financial institution are much less likely to move them elsewhere and are also significantly more profitable than those who use online banking alone. The integrated ACI bill payment solution within Self-Service Banking provides a fast, accurate and easy-to-use platform. Seamless banking and bill pay services, and fully supported bill pay mobile functionality allow institutions to gain flexibility and control. ACI Banking Bill Pay data is securely warehoused and managed in ACI s state-of-the-art data center and available for use in targeted marketing campaigns that help improve adoption and the ROI of online bill pay. In addition, security parameters within mobile prevent new payees and potential fraud. SCHEDULED BILL PAYMENTS FLEXIBLE, LAYERED SECURITY Security solutions within a self-service banking environment are critical for financial institutions. Solutions must be secure and meet regulatory guidance, yet flexible enough to meet the varying risk requirements of each financial institution. ACI understands that each financial institution has its own risk threshold and security posture as well as implementation needs. Given the need for choice, ACI has developed solutions that give financial institutions control over how to implement security within Self-Service Banking to help reduce fraud risk without compromising usability and value for customers. Both the institution and its customers are further served by the ability to deliver tighter fraud prevention and end-to-end protection across all segments, leveraging both the solution capabilities and third-party partnerships with companies. Integration with RSA security for reverse multi- factor authentication and security challenge questions Integration with Guardian Analytics for behavioral analytics to monitor and stop fraudulent transactions One-time PINs on money movement and at login Partnership with Trusteer for tokenization and protection against evolving malware threats Dual-control capabilities for approval of ACH, wires and external transfers and specified dollar amounts Extensive entitlements that limit users and specify account access and risk reporting per customer 6 6

7 WORLD-CLASS HOSTING CAPABILITIES Self-Service Banking is also available as a hosted solution for financial institutions that want the flexibility, security and peace of mind of having hardware, software and disaster recovery managed by a strong partner. ACI s fully compliant data centers, including SSAE 16, PCI and FFIEC, deliver proven 99.9% or higher availability and optimal performance. By leveraging ACI s hosted solutions expertise, capabilities and innovations in a managed services environment, organizations avoid unnecessary expenses while freeing IT staff from the day-to-day operational tasks so they can concentrate on strategic technology initiatives. 7

8 REVOLUTIONIZES PAYMENTS ACI Worldwide, the Universal Payments company, powers electronic payments and banking for more than 5,000 financial institutions, retailers, billers and processors around the world. ACI software processes $13 trillion in payments and securities transactions for more than 250 of the leading global retailers, and 21 of the world s 25 largest banks. Universal Payments is ACI s strategy to deliver the industry s broadest, most unified end-to-end enterprise payment solutions. Through our comprehensive suite of software products and hosted services, we deliver solutions for payments processing; card and merchant management; online banking; mobile, branch and voice banking; fraud detection; trade finance; and electronic bill presentment and payment. To learn more about ACI, please visit You can also find us on 8 Americas Asia Pacific Europe, Middle East, Africa +44 (0) Copyright ACI Worldwide, Inc ACI, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP, the UP logo and all ACI product names are trademarks or registered trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United States, other countries or both. Other parties trademarks referenced are the property of their respective owners. AFL