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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 cloud-based solution in ACI's secure data center or in house.


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Provide an intuitive, customizable customer interface

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. Universal Online Banker delivers the online cash management tools you need and our ease of access for mobile, tablets and desktops allows users to manage their cash management position wherever and whenever they want on a 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.

Take advantage of Open APIs

Universal Online Banker is positioned to take advantage of the shift in market demand to deliver a platform-based approach via Open APIs. It also enables functionality that allows innovation via collaboration. With our API’s, creating new services both outside and within your financial institution’s walls is easy, by taking integration points and exposing them for broader use cases.

Identify new 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.



Achieve business banking that drives business success anytime and anywhere

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 with Universal Online Banker.

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Trust an industry recognized solution

See why Universal Online Banker was recognized by both Greenwich and Aite for the greatest breadth and depth of functionality.

  • Gain access to an active Product Advisory Council made up up the largest customer base in the industry
  • Have confidence in your ability to address market trends and requirements now and in the future 

'UOB clients often praise the solution’s overall usability, its breadth of functionality, and its high levels of customization' [ 1 ]

peace of mind
  1. Aite: [U.S. Cash Management Vendor Evaluation Report, 2016: Focus on User Experience]
  2. https://smallbusiness.com/selling-to-small-business/small-business-statistics-2016/
  3. https://www.sba.gov/sites/default/files/FAQ_Sept_2012.pdf
https://smallbusiness.com/selling-to-small-business/small-business-statistics-2016/
https://www.sba.gov/sites/default/files/FAQ_Sept_2012.pdf