Universal Online Banker, a digital banking platform, is designed to offer all your business customers the best possible experience. It offers leading-edge features and functionality to meet the needs of small businesses up to large corporates. The platform offers control, choice and flexibility with online tools to easily manage the daily collections, disbursements and liquidity needs of your business, whether around the corner or on the other side of the globe. Universal Online Banker is offered as a hosted solution in ACI's secure data center or in house.
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FLEXIBILE, INTUITIVE ONLINE BANKING
Universal Online Banker tailors easily to the needs of your business, offering user-driven balance/transaction information reporting and a user-customizable treasury dashboard, as well as sophisticated entitlements and approval capabilities, including panel authorization, cash pooling and extensive global payment types. Whether you are processing transactions in Asia, Europe, Latin America, the Middle East or North America, Universal Online Banker delivers the online cash management tools you need via an intuitive user interface and platform designed for seamless integration, flexibility and scalability.
SIMPLE TO TAILOR
Universal Online Banker lets you easily define class-of-service offerings to deliver the features, functionality and branding your customers need, in a language they understand, all from a single platform. Its customizable dashboard lets you pick and choose from a variety of widgets showing account balances, one-click access to detailed information, balance and payment reports, transaction initiation features and more.
GLOBAL BANKING LOCALIZED TO YOUR NEEDS
Universal Online Banker currently supports cross-border and numerous in-country payment types to support businesses around the world. It allows your organization to offer branded and localized services to represent each of your banking affiliates in a single implementation, using simplified terminology and custom payment input screens to address the needs of different market segments.
DATA-DRIVEN REVENUE OPPORTUNITIES
Universal Online Banker offers robust reporting, including the ability to format data to fit specific information reporting needs. It also enables you to take that data and integrate it into target marketing campaigns, enabling you to drive revenue-generating cross-sell opportunities.
Tailored service offerings
Easily define class-of-service offerings to deliver end clients the features and functionality and branding they need, in a language they understand all from a single platform.
Increase knowledge and product proficiency with both clients and bank personnel to maximize your investment and increase product adoption.
Global payment capabilities
Universal Online Banker currently supports cross-country and numerous in-country payment types to support businesses around the world.
Interactive information reporting
Offers end users the ability to format data to meet specific information reporting needs.
Universal Online Banker allows your organization to offer branded and localized services to represent each of your banking affiliates in a single implementation.
Built-in migration engine to avoid manual migrations and minimize impacts on customer experience.
U.S. tax compliance services
More than 2,000 tax formats for federal, state and local municipalities.
User experience differentiation
Offer simplified terminology and payment input screens to address the needs of different market segments.
Widgets for account balance, one-click access to detailed information, balance and payment reports, and transaction initiation features.
Risk management features
Mitigate fraudulent activity and provide visibility into online activities.
Money Transfer System
Money Transfer System is a multibank, multicurrency solution that provides 24x7 payments processing capabilities and interfaces to multiple Clearing and Settlement Mechanisms.
Mobile Channel Manager
The solution is designed to give your financial institution the control, choice and flexibility to configure the functionality you deliver to your customers. Some of the features available on mobile include balance inquiry, account transfers, ACH payments, positive pay, stop payments, payment approvals plus extra services such as ATM/branch locator, change PIN and the ability to contact your financial institution.
Global Trade Manager
Global Trade Manager is designed as a system that processes all trade transaction types, both traditional trade and open account transactions regardless if they are for the domestic or international markets. Corporate clients of the bank can access, enter and track their entire trade portfolio of traditional trade and open account transactions over the internet.
Electronic File Delivery
Bulk file transfer module designed for a client’s transmission of a single file regardless of payment type or currency with the added convenience of a bulk transfer vehicle using the file format right for them.