Corillian® OnlineFully Integrated Online Banking, Payments and Personal Financial Management

Product

Product

Online banking has taken over as the primary destination for most consumers to manage their money. Over 68 million consumers in the United States today have adopted online banking as their main interaction point with their financial institution. Sixty-one percent of them use online banking at least once a week to view account balances, make transactions or manage their money. Online banking adoption is expected to grow to 83 million by 2014. Does your financial institution offer an online banking experience that measures up to the expectations of this growing segment of your business?

Corillian Online Provides True Integration of Online Banking, Payments and PFM

There are a lot of online banking offerings in the market today; but no offering deeply integrates online banking, payments and Personal Financial Management (PFM) tools into the same interface. Some allow access to PFM functionality through an additional tab or a link to a new page. Some allow the ability to transfer funds from a page that also shows account balance information, posted transactions and pending transactions. But they don’t allow for any true payments or integrated PFM functionality to be surfaced onto the same page.

Introducing Corillian Online from Fiserv, a new generation of online banking solutions – a seamless, integrated online banking experience that surfaces 90 percent of most commonly used online banking functionality, including viewing balance and transaction detail, paying e-bills, transferring money, paying anyone, viewing graphs of spending behavior and reviewing posted and pending

transactions, all on one page. Corillian Online is designed to grow online adoption and enhance user retention by providing a rich, intuitive financial management experience.

User Design Research Provides the Framework for Corillian Online UI Architecture

Fiserv invests over $35 million in annual research and development into understanding the evolving needs and desires of online banking consumers. Over 60 million end-users worldwide use Fiserv online banking solutions. Fiserv is recognized as the leader in online banking because of its investment in usability labs, experiential surveys, usability and human factor experts, focus groups, User Experience councils, ethnographic studies and analyst/market research services. These sources together provide the framework for an experience both desired and required for consumers to achieve the most out of their online banking session. This framework, in combination with years of Fiserv insight into online channel profitability, provides financial institutions with a holistic solution that combines the best user experience design with the best business logic. The result is an online banking solution that serves the needs of consumers while providing a low total cost-of-ownership and ample revenue opportunities for your financial institution.

Drive greater user adoption and retention through an intuitive, 360° financial overview application utilizing the industry’s best online banking platform.

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The Account Balances

module provides a quick

reference to current

account balance status.

It also provides access to

an FI configurable number

of transactions for each

account which satisfies the

majority of consumer recent

transaction inquiries.

To the right of these

modules is the Future

Transactions module that

reveals e-Bills that are

awaiting payment.

The My Spending module

immediately populates

meaningful spending

data for the most recent

default date range upon

sign-in. Information is

displayed graphically based

on auto-categorization

of transactions down to

category and sub-category

level. Consumers who

wish to investigate

certain spending patterns

can drill down to the

transaction level.

Corillian Online also enables financial institutions to provide targeted, meaningful ads

embedded in the UI. These ads are triggered by any number of data points and logic filters

tied to core banking data, behavioral data and any data you choose to import into the ad

management system governing this feature, with Campaign Manager from Fiserv.

Also included is the

Scheduled Transactions

module which shows what

transactions have been

scheduled and are awaiting

processing. These four

modules provide consumers

the 360° view of where

money has been spent,

cash position today and

where money will be spent

in the future.

Corillian Online Financial Overview Page

Corillian Online Financial Overview Page Enables a 360° View of Financial Management

The true differentiator for Corillian Online lies in the intuitively placed and integrated transactions tools within the Financial

Overview page interface. At the bottom of the Account Balances section are two buttons, Quick Transfer and Quick Pay. These buttons each launch a lightbox session within the Financial Overview UI that enable the scheduling of transactions between accounts and the ability to pay anyone,

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anytime. Once completed, the scheduled transaction immediately reveals itself within the Scheduled Transaction module. The completion of this process from initiation to confirmation on one page is something no other online banking application can provide and removes the process dissonance introduced in other online banking experiences where the user must jump from one page to another to schedule, confirm and review their transaction.

Simply clicking on the e-Bill icon in the future transactions section launches a lightbox session that allows the user to view a copy of the actual bill and complete a scheduled payment for that biller. Similarly, once the payment is scheduled, the e-Bill notice is removed from the Future Transactions module and appears immediately in the Scheduled Transactions module. Any scheduled transactions can also be edited or cancelled from this module as needed.

Clicking on the graphical

e-Bill on the Financial

Overview page reveals an

e-Bill payment completion

lightbox. Click on the

e-Bill icon to view an image

of the actual bill. Simply

complete the e-Bill payment

process flow and view the

scheduled payment on the

Financial Overview page

once completed.

The Quick Transfer and

Quick Pay lightboxes

surface to the Financial

Overview page when

selected. Once the

transaction has been

scheduled, the lightbox

disappears immediately

revealing the scheduled

transaction within the

Scheduled Transactions

module. If an immediate

transfer, balances are

also adjusted to reflect

its execution.

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Full-Featured Online Banking Account Access

Real-Time Balance and Transaction •Reporting: Provides real-time access and a complete view of current balances and transaction history across all account types – regardless of where the information resides

Online Reporting: Allows consumers •to create transaction history reports, search by multiple criteria, and sort and filter transactions

Check and Statement Images: Permits •access to electronic copies of presented checks and account statement images, relieving consumers of the burden of storing and searching through paper checks while reducing your institution’s fulfillment costs

Best-in-Class User Experience

Corillian Online offers best-in-class user experience and functionality, honed through years of delivering effective, high-performance online banking sites. Financial institutions that use our solutions have witnessed the value of best-in-class user experience and functionality through improved user satisfaction, lower cost to serve, and increased user retention and profitability.

Secure Login and 128-bit SSL Encryption: •Provides consumers with secure access to your financial institution

Single Sign-On: Delivers complete •online financial services using one ID and password

The ability for consumers to access financial overview information, initiate transactions and review them all from one page is transformative and will forever change the expectations consumers will have for how online banking should work.

Corillian Online Grows Online Adoption and Enhances User Retention

Corillian Online drives more interaction with users and provides you with more opportunities to offer personalized products and services through tailored targeted marketing solutions, such as Campaign Manager from Fiserv. Corillian Online offers ad space embedded into the Financial Overview page that utilizes Campaign Manager to directly target consumers based on core banking data, transaction activity and any tagged external data you import. Campaign Manager delivers ad campaigns throughout Corillian Online and provides invaluable reporting and test cell mapping to hone your campaigns.

Corillian Online also facilitates greater adoption of online services such as alerts, eStatements, and bill presentment by promoting these services within the natural flow of the user experience. Presenting these services in the UI when the user is most likely to use the service ensures higher adoption rates and increases the touchpoints each user has with the online banking session. Each additional touchpoint pushes consumers towards increased usage of online banking. As consumers become more avid users of online banking, they adopt more online services and become more loyal and more profitable to your financial intitution.

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Funds Transfer: Enables real-time, future-•dated or recurring fund transfers for controlled movement of funds within your financial institution

Customer Care

Relationship Manager™: Allows support •representatives to manage service inquiries through workflow and by providing access to users’ account information and online activity

Self-Service Requests: Provides •consumers with the ability to reorder checks, replace or add credit cards, stop payments, initiate overdraft protection, reset passwords, change address and user IDs

Secure Messaging: Lets consumers make •electronic service inquiries, using pre-addressed, pre-filled forms or free-form fields and automatically routes these inquiries to support representatives using Relationship Manager from Fiserv or a third-party contact center application

Personal Financial Management Download •Integration: Enables OFX real-time download capability for users of both online banking and PFM software, such as Intuit® Quicken®

Advanced User Experience

Targeted Marketing: Lets you target •market consumers based on real-time data

Intra-Segment Differentiation: Allows you •to make different product and service offers to various segments

Friendly Account Names: Allows •consumers to assign friendly names (nicknames) for their accounts

Friendly Sign-On ID: Provides the ability for •consumers to select their online banking sign-on ID

Sign-On Destination: Improves the speed •of the online experience by allowing users to customize the page they see upon successful login

Session Summary: Provides a summary •of a user’s prior login session, enabling consumers to detect unauthorized activity while increasing their confidence in online banking security

Related Links: Improves the productivity of •the user with a convenient display of links relevant to the current activity

Quick Links: Improves retention and loyalty •by allowing the user to speed navigation to a particular page defined by the user

On-the-Fly Enrollment: Allows consumers •to enroll in online banking right from your website

Context-Sensitive Help: Provides •persistent access to context-sensitive help and provides answers to frequently asked questions

Money Movement

Online Payment and Presentment: •Enables consumers to manage and make payments via the Internet while providing an audit trail of their payment history

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PFM Full Synchronization: Seamless •integration of online banking and personal financial management software such as Intuit Quicken

Fiserv Offers Deployment Options to Fit Your Needs

On-Premise (Software license model): Fiserv deploys the entire Corillian Online – Licensed suite from one installer in a matter of minutes. Corillian Online – Licensed also follows a time-boxed release strategy for Feature Packs delivering a new major release every six months – this licensed model allows you to run the solution in-house. This approach provides full control over the system for those financial institutions with access to adequate IT resources.

Fiserv Is a Proven, Trusted Partner to Help You Optimize Your Online Channel

Fiserv has significant domain expertise in online financial services to deliver a seamless, integrated and game-changing online banking solution. Fiserv enables you to simplify the process of managing and integrating the technology that powers the online channel.

Connect With UsFor more information on Corillian Online or our other online banking offerings, please contact us at 800-872-7882 or visit www.fiserv.com/onlinebanking.

Multilingual Capabilities: Enables you to •define the multilingual settings you want to set for your users

Person-to-Person Payments: Allows •consumers to send e-mail payments

Advanced Online Banking Account Access

Aggregation: Allows connectivity to third-•party vendors for viewing balances and transaction history for accounts at other financial institutions

Transaction Register: Enables your users •to perform transaction categorization, annotation and advanced account reporting online

End-to-End Account Origination: •Improves acquisition and share of wallet for the financial institution by allowing visitors to apply for, open, and fund a bank account online

Advanced Channel Access

Alerts: Provides e-mail notification •of payment, balance and transaction conditions

Multichannel Alerts: Extends base alerts •functionality by providing support for alternative channels

Mobile Access: Provides online banking •access to users’ mobile phones, personal digital assistants, two-way pagers, or any other Web-enabled device

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About Fiserv As the global leader in financial services technology, Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management, and Insights & Optimization, and leading the transformation of financial services technology to help our clients change the way financial services are delivered. Visit www.fiserv.com for a look at what’s next, right now.

800-872-7882 262-879-5322getsolutions@fiserv.com www.fiserv.com

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