Online Banking

Over 50 million Americans are regular users of online banking tools, and the Web is poised to become the primary banking customer touch point over the next decade. Yet many banks and credit unions still depend on outdated and inflexible banking products that were viable ten years ago. Our .Net single–platform solution offers distinct advantages that will help you drive adoption of your online banking services while reducing your costs to deliver them.

With our single–platform solution, both your consumers and businesses get the exact capabilities they want, tailored to their needs. Our ”feature on demand” entitlements engine offers everything a modern financial institution requires  and gives you the power to grant your customers access to the capabilities you deem appropriate.

Consumer Strategies

Community Financial Institutions know that the “future of banking” rests on the shoulders of the electronic delivery channel.   As you continue to position your institution for growth and survival, the integration of emerging technologies continue to be at the center of this effort.  Whether a reduction in your branch footprint by leveraging Micro–Site, New Account Opening and Remote Deposit Capture applications is the cornerstone of your transformation, or attracting the ”Newly Affluent” segment by offering the latest Personal Financial Management and Dashboard technologies ”personalizing the experience” is critical to growth, Q2ebanking is focused on a holistic approach to the evolution of Consumer Banking.

Business Strategies

Attracting profitable business loans and deposits seem to be at the forefront of today´s commercial banking strategies.  In an environment and economy where consumer confidence surrounding National Banks continues to erode, Community Financial Institutions are poised to acquire business customers at significant levels.  While CFIs have always been able to capitalize on better service and deeper relationships, online offerings on the commercial side (required to augment broader treasury services) never seemed to be rich enough to attract prospects away from the National Banks. 

We now see a transformation taking place as “feature–on–demand” technology allows Q2´s Community Financial Institutions to ”enable” or ”disable” any online commercial feature.  CFIs now have the ability to segment their base into Micro Business, Small Business, Business, and Sophisticated Commercial groups through a wide array of offerings required by each group.  ”Build–it–Yourself” fee plans within the Q2 Administrative System are in fact today helping CFIs generate fee income that in many cases offsets the cost of moving to a best–of–breed electronic banking platform.  We´re no longer in a ”one–size–fits–all” environment as we provide your institution with the flexibility to charge individually for online Wires, Payroll, ACH and Positive Pay or bundle functionality for unique business customers and local markets.