product flyer Single, full-featured solution flexible, personalized experience Highly extensible and secure

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1 DELIVERS control, choice AND FLEXIBILITY product flyer ACI architect banking Single, full-featured solution flexible, personalized experience Highly extensible and secure ACI Architect Banking TM is a single, endto-end solution for banking, bill pay, mobile, marketing and administration that gives financial institutions control, choice and the flexibility to quickly respond to consumer and business needs. As a financial institution s fastest growing channel, advanced online banking and mobile solutions are critical to driving customer loyalty, building market share and creating new revenue opportunities. The foundation of the Architect Banking solution is the ability to deliver real business results. Financial institutions gain control to separate their brand from competitors with a rich set of selfservice features and integrated, real-time, targeted marketing capabilities that can drive revenue opportunities through a proven digital platform. Architect Banking leverages broadly available, reliable technology and incorporates all the capabilities consumers and small businesses demand. The Architect Banking experience is seamless, whether on a PC, a mobile device or a tablet, across all banking features, including transaction history, personal financial management, P2P and money movement capabilities, including integrated bill payment, internal and external transfers as well as any custom features deployed. Turn the financial institution s fastest growing channel into a competitive differentiator and improve customer satisfaction with a unique user experience and broad set of feature functionality through Architect Banking.

2 Gain Control, Choice and Flexibility Easily deliver timely unique features with the Architect SDK Architect Banking is built on a flexible, configurable platform designed to reduce the cost of integration and enable complete control to extend the financial institution s digital banking capabilities when and how the institution chooses. With the Architect Banking Software Developer s Kit (SDK) financial institutions can control their roadmap, evolving the digital banking experience as their market demands. Add custom modules or integrate with API s control banking features with a flexible, modular platform Enable highly personalized user experiences We have leveraged the Architect SDK for a few projects and it has delivered as we hoped. We recently ran a preapproved Visa Signature card offer that was presented via a modal at login. The member experience was slick and we were able to generate over $2M in card production in less than three weeks. David Mason Senior Vice President/Chief Information Officer at Wings Financial Credit Union Relationship Checking Scorecard Cashier s Check Request Module for Consumer Convenience 2

3 Themed User Interfaces To Drive Retention Custom Alerts for Timely Communication Loan Application Mobile User Profile and Bill Pay Pages edocuments Integration Module For Easy Recognition 3

4 Increase Consumer Engagement with Targeted Marketing Self-Service Campaign Management Tools Drive Up Marketing ROI Create targeted marketing across online banking and integrated bill pay with the Architect Marketing Campaign Manager: simple, two-step process to launch campaigns target consumers using CRM or core data create personalized offers, unique to the user Announce new products to the market deliver important communications quickly to consumers Allow users to immediately accept offers in sessions Marketing Campaign Manager Module 44

5 Stand out from the crowd with a differentiated brand in the marketplace Give customers the control, choice and flexibility they desire from their financial services provider Architect Banking is an advanced digital banking solution that enables financial institutions to create a highly differentiated brand in their marketplace with robust tools and configuration capabilities across online, mobile and tablet. Improve customer engagement through a more personalized experience using themes that are designed specifically for customer segments like kids, retirees, military personnel, college students and more. targeted user themes 5

6 Integrated Banking Bill Pay Delivers Secure Payment Capabilities and Drives Up Consumer Satisfaction Fast, accurate and dependable Exceptional bill payment, guaranteed A fast, accurate and easy-to-use bill payment platform is the cornerstone of a successful digital banking channel strategy. Consumers 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. They are also significantly more profitable than those who use online banking alone. ACI offers flexibility and control with integrated bill pay for seamless banking and bill pay services, and fully supported bill pay mobile functionality. This includes the ability to add payees, in session monitoring as well as challenges for high risk activity, that delivers a consistent experience via desktop and mobile. ACI 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. 6 6

7 Features at a glance highly personalized, feature-rich banking mobile banking Browser, apps and SMS integrated bill payment and ebills - end-to-end payment guarantee - expedited payments Advanced security and fraud detection solutions - multi-factor, RSA self-service consumer features - create users and manage user entitlements - core-integrated stop payments choices for platform delivery - saas (Hosted, dedicated software) - on-premise software sdk for platform extensibility - Available for both on-premise solutions or when hosted in ACI s World-Class Data Centers established, proprietary core connectivity infrastructure allows for deep integration and rich functionality client Toolbox - Administrative, configuration and development tools - disclosure Manager - secure Forms Manager - message Center Manager 24/7 call center and conversion support highly experienced and dedicated professional services and client support teams corporate R&D commitment to innovation and solution enhancements The ACI advantage Architect Banking is used to address the ondemand and self-service banking needs of community financial institutions across the United States. With nearly 40 years of experience in online banking, transaction processing and security, ACI Worldwide is a leader in on-demand, self-service banking. 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 without adversely impacting the consumer s experience. ACI understands that each financial institution has its own risk threshold and security posture as well as implementation needs. Given the need for choices, ACI has developed solutions that give financial institutions control over how to implement security within Architect Banking to help reduce fraud risk without compromising usability and value for consumers. Both the institution and its consumers are further served by the ability to deliver tighter fraud prevention and end-to-end protection consistently across digital channels. World-Class Hosting Capabilities Architect 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 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