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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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Business banking should be flexible for busy small business owners and the majority of people want the same functionality on their mobile devices that they have on their PCs.  Give your customers the ability to meet their cash management needs regardless of where and how they are doing business.

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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.


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.


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. 


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.