Overview
Sitting at the center of an integrated digital banking platform, Access Digital Banking is a modern, flexible, and user-centric experience, enabling community financial institutions to offer digital services to their users that match or exceed the high expectations set by bigger banks and FinTechs. Our state-of-the-art vision of cross-channel accessibility helps you meet your users wherever and whenever they prefer to bank: online, through native mobile apps, and even on mobile browsers. Our native application architecture is designed completely in-house for a consistent and unified vision, optimizing the user experience for each device or channel.
Key Features
• Humanize the digital experience with a friendly UI, intuitive and context-sensitive navigation, and conversational banking options like ChatBot, Live Chat, and Video Chat to make digital as personable as branches
• Protect users and data with industry-leading security initiatives like breached credential detection, multi-factor authentication, omnichannel biometric authentication, actionable alerts, and real-time fraud control
• Help users manage and improve their financial well-being with actionable insights that require no configuration, categorization, or work from the user
• Make logging in as seamless as visiting a branch with single log-in access to all of a user’s accounts, including business and joint, for a complete view of their financial life
• Help users manage money and move funds through ACH, wires, P2P, to other members, and across accounts
• Maintain relationships with preferred third parties through our library of hundreds of core-agnostic SSOs and APIs
• Amplify your campaigns with targeted and traditional marketing methods
• Speak up with voice assistant support that lets users check balances, review transactions, and make transfers through Siri and OK Google
• Invite users to share their financial lives with simple, secure, and highly controlled access to family and friends
• Help users build personalized financial awareness through highly configurable alerts that arrive via email, text, and/or push notification
• Go to market with the most cutting-edge digital banking innovations as quickly as possible with our one-day Rapid Deployment feature installations and no-cost quarterly upgrades
• Help users tell their financial story: visual interaction with transaction history, emoji categorization, image/receipt uploads, and graphical representations offer creative ways to navigate and attach memories to their finances
Key Benefits
Powerful Configuration Options to Offer a Highly Branded and Unique Experience Your Users Expect from Your Financial Institution. Unleash the full potential of our platform with our user-friendly admin tool. Over 5,000 configuration options invite you to activate new features, customize workflows and navigation content, configure on the fly, create custom applications with our Software Development Kit, and deliver our full capabilities to your users.
The Most Secure Platform in The Industry. Password issues are the single biggest point of weakness to delivering a secure digital banking experience. Passwords are also the biggest pain point for both users and call center agents. We solve that problem by "killing the password" with biometrics-first login and authentication workflows that take advantage of unique biological identifiers like fingerprint, voice, and facial recognition. No extra hardware is needed.
Intuitive and Cost-effective Money Movement. Our simple transfers screen makes even complex transfers unbelievably easy for users, who only need to share where an amount is going, where it is coming from, and optionally whether it should recur. Access Digital chooses the optimal payment rail to reduce cost and time (as appropriate) required to send/receive funds. Access Digital has expanded it's money movement options to include FedNow.
Insights for Users and Staff. Our built-in analytics package helps you monitor, interpret, understand and decide. In-depth user analytics let you explore everything from user journeys within the system to how your market compares to your registered users. Marketing analytics work with tools like Google Optimize for A/B tests or measuring ad conversions. And predictive analytics use machine learning capabilities to predict outcomes in crucial areas like adoption and churn on the FI side as well as predictive cash-flow on the user side, among other insights.