Digital is in demand. At FIS™ we provide a rich digital ecosystem that allows you to transform the way you do business today. Powered by FIS Code Connect, an API-based platform, we offer plug-and-play solutions that deliver a rich, connected user experience across any digital channel.
DIGITAL MARKETPLACE
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Authentication
Infinity Identity Provider
Only ID
Omnichannel Platform
FIS Digital One
DirectLink
ImageCentre
Imaging
Conversational Banking
Pinpoint Marketing
Analytics & AI
Deposit Account Opening
Origenate
Account Origination
Social Media
Social Listening
Personal Finance
Geezeo
Personal Financial Management
Bill Pay
Payments
Enterprise Customer
Enterprise Product and Pricing
Enterprise Components
Output Solutions
CEDAR Communications
Customer Communication Management
NextGen Core Banking Platform
Core Banking
Risk, Fraud and Compliance
Risk Mitigation
Intelligent Process Automation
Infinity Process Platform
Business Process Automation
Regulatory Reporting
External Transfers
People Pay
Zelle
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For more information, please contact your client relationship manager or call +1 877.776.3706.
Help your customers set and realize their financial goals using a conversational chatbot.
Customers can communicate through familiar text and voice-based interfaces. An empathy engine uses artificial intelligence (AI) to understand multi-dimensional aspects of the customer – including valuable insights regarding perceptions, aspirations and limitations, as well as the customer’s potential to actively participate in financial growth. Conversational Banking helps customers optimize their financial needs and objectives, enabling a two-way digital customer experience. Capabilities range from general banking awareness and goal optimization to intelligent financial guidance.
Awareness
Optimize
Intelligent
• Balances • Payments due • Payment setup • Expense-crossing threshold and alerts • Large transaction threshold and alerts
• Set a budget • Set savings goals • Recommend best investment for savings goals • Improve credit score • Recommend spending cuts to align with budget
• Help formulate a goal • Assist in buying a house • Help buy a car • Save for life event(s) • Open recommended account(s)
DIGITAL ENABLEMENT Analytics & artificial intelligence
Next Solution
Previous Solution
End-to end Solutions
Personalization Across Channels
Campaign Effectiveness
Unleash the massive amounts of information you receive from your customers and create rich analytics, campaign management, automated delivery and real-time reporting.
Utilize KLIs to trigger a customer experience that is dynamic, personalized and always on. Campaigns are always simultaneously running to deliver real-time messages when a match between a customer’s KLI mix and a campaign’s KLI-target audience is identified. This solution securely delivers your messages across all channels, including the open internet.
Track your effectiveness by campaign and channel, and report on actual product sales, conversions and revenue. Automated reporting and executive dashboards provide key metrics that matter the most.
Unlock, understand and anticipate the needs of your customers.
FIS™ Pinpoint Marketing is a predictive customer analytics solution that continuously analyzes your data to maintain a 360-degree view of each customer. Key lifestyle indicators (KLIs) are used to precisely target and segment your customers, down to an individual level. As a customer’s KLI mix changes, the solution dynamically adapts to these changes, ensuring that you are always serving up the right message at precisely the right time. The result is a customer experience that is dynamic, personalized and always on. The solution securely delivers those real-time messages across all channels, including the open internet.
Analyze your data to maintain a 360-degree view of each of your customers. KLIs are used to precisely target and segment your customers, down to an individual level. As a customer’s KLI mix changes, the solution dynamically adapts to these changes, ensuring that you are always serving up the right message at precisely the right time.
Predictive Customer Analytics
In today’s digital environment, security is paramount not only for your customers, but also your bank systems and employees.
FIS Infinity Identity Provider (IdP) is a full-featured identity and access management system that supports the SAML 2.0 and OAuth 2.0 protocols, providing user management, authentication, and authorization services to connected applications, known as service providers. It is designed to have other web-based and mobile applications federate identity management, in the same way they would for any commercial or open source SAML-compliant identity provider. Infinity IdP can also be used to provide multi-factor authentication (MFA) to a single application or serve as a centralized authentication system for single-sign-on (SSO) across multiple applications. Infinity IdP can also be used for authentication by thick-client applications via its APIs or using OAuth 2.0.
Administration
Access Management
Entitlements
• User creation and management • Self-service portal • Organizational and group hierarchy • Location assignment • Message delivery and alert subscription management
• Federated single sign-on (SSO) • Single logout (SLO) • SAML 2.0, OAuth 2.0, OpenID Connect
• Granular authorizations • Role aggregation • Org-based inheritance
DIGITAL ENABLEMENT Authentication
• Configurable second factor options • Out-of-band, one-time passwords • Time-based OTP via mobile apps • Challenge questions • Device fingerprinting
Multi-factor
• Triggers to update external systems • REST API integration
Provisioning
• LDAP password delegation • Active Directory synchronization
Delegation
Password authentication often creates consumer friction that results in abandonment. OnlyID™ provides a simple, convenient and secure approach to consumers’ digital interactions without using passwords.
A unique “digital identity” makes online access convenient for the consumer, while improving security and fraud protection for the business. The elimination of passwords dramatically improves the consumers’ experience and reduces fraud by leveraging multi-factor authentication and advanced data analytics. Methods such as geolocation, network velocity, behavioral pattern checks, etc., work behind the scenes to help identify and authenticate consumers in conjunction with a digital identity network that is continuously learning and improving with each authentication and interaction. OnlyID can be integrated with FIS and non-FIS platforms via APIs to reduce overall complexity and maintenance.
OnlyID
A secure communication channel between the consumer’s digital device and businesses.
Mobile Application
Over 800 million consumer records, as well as device data, predict the likelihood of an identity match and potential fraud.
Robust Data and Predictive Analytics
Authentication Services
DIGITAL ENABLEMENT Authentification
To fully understand your customer, you need a unified customer view that combines internal customer records with transaction and interaction data.
FIS Enterprise Customer combines customer data from multiple systems of record into a single customer view to operationalize an orchestrated customer experience across all channels. It is comprised of cleansed, de-duplicated data from both structured and unstructured data sources, such as transactional and interaction data. FIS Enterprise Customer pulls together multiple data points using contextual matching and machine learning, creating a comprehensive and trusted customer profile.
• Flexible based on product groups • 100 percent Java • 24/7 availability • Data-at-rest/in-motion protection framework • User and role management
Component
• Incorporated in Enterprise Customer Management Solution • Rules for matching are configurable • Three-step process of match, review and merge (logically delete)
Match/Merge
• Attributes can be defined at customer and account level • Unlimited number of extended attributes • Definable valid values per attribute • Attributes immediately available for use • Multiple data types supported
Data Model
• Design is based on financial services • Generic structures and extensive parameterization • Model-driven database design changes are controlled centrally • System-generated keys are used to link tables together • SQL INSERT only
Financial Services
• Preferred point of contact (mail, phone, etc.) • General preferences (written, oral, language, etc.) • Communication preferences (opt in or out) • Notification for each type of communication
Customer Preference
DIGITAL ENABLEMENT ENTERPRISE COMPONENTS
To effectively manage client value, you need innovative solutions to help with product management, product distribution and pricing.
FIS Enterprise Product and Pricing is cloud and API-enabled to unite product management and client value management into a single, cohesive business solution. A preconfigured framework works alongside a bank’s core system to create sophisticated, dynamic and tailored client propositions in real time.
• API-enabled • User management • Multi-language support • Activity/audit log • Alerts/notifications
Other
• Relationship scorecard • Customer relationship score • Offer curator • Channel optimizer
Relationship
• Points calculations and management • Integration with external reward catalogs • Point conversion to external reward programs • Cross-product cost allocation
Loyalty
• Deposit and lending rate calculations • Configurable rate attributes • Configurable offsets to base/standard rates • Configurable rate validation rules • Determine the right rate for the client • Manual overrides for pre-determined rates
Rate Management
• Fee calculations • Configurable fee attributes • Configurable fee charging and benefit rules • Fee transparency • Fee reversal decision recommendations
Fee Management
• Centralized product repository • Configurable product attributes and bundles • Configurable product eligibility rules • Return right product via APIs • Distribute product data via APIs
Product
In today’s digital world, you need cross-channel risk mitigation controls to reduce the risk of deposit fraud. FIS DirectLink provides remote capture solutions for every channel.
By providing integrated solutions within a single platform, you can streamline system management, simplify IT audits and reduce support costs, with fewer systems to secure and maintain. The capture channels included with FIS DirectLink are Remote Deposit, Branch Capture, Teller Capture, ATM Image Deposit and Remote Remittance Capture. Transactions presented from the capture channels are scrutinized through the cross-channel controls, including duplicate detection, deposit limits, account validation and other item validations.
Allows your customers to remotely capture remittance payments directly into the ImageCentre Lockbox solution, reducing back-office costs while providing end-users with greater access to status and metrics of the payment process.
DirectLink Remote Remittance
Allows image-enabled ATM machines to deliver transactions to the item processing platform in real time. Deposit automation is handled at the ATM and balanced image transactions are uploaded to item processing with no manual intervention.
DirectLink ATM
DirectLink Teller provides full deposit automation at the teller line and is fully integrated with FIS core system teller applications, supporting seamless processing within the context of teller activities. Teller capture automation reduces the cost of branch deposit processing and provides greater efficiencies across the operating environment.
DirectLink Teller
Supports back counter branch capture needs, processing batches of deposit items in high volumes. Transactions are captured in real time to the central database, where data and images are made available in real time for review and processing. All capture and processing activities are completed through the browser application, reducing IT support for branch personnel.
DirectLink Branch
Provides a modern solution for commercial remote deposits. Based on the application’s responsive design, deposits can be captured and managed from desktops, tablets and mobile devices. The contemporary user interface design adjusts the experience to the selected device and its operating system. The experience is touch-friendly and designed to be intuitive to any generation.
DirectLink Merchant
DIGITAL ENABLEMENT Imaging
As bank products and services become more commoditized, human interaction and an improved customer experience will be your competitive differentiator.
FIS Digital One® is a collection of interactive modules built on one common omnichannel platform to streamline and innovate banking channels. The solution delivers a convergence of banking channels, coupled with real-time analytics and an open digital API to provide a seamless experience for bank associates and consumers alike. The FIS Digital One cross-channel solution allows financial institutions to transition from siloed point-solutions to a fully integrated architecture that shares relevant content and processes between channels for a cohesive customer experience.
Reduce branch operating cost without sacrificing customer intimacy. Digital One Kiosk is an in-lobby terminal solution that runs on the branch network to provide self-service, sales support and monetary transaction processing, with seamless integration to the Digital One Banker application for customer assistance and overrides.
Digital One Kiosk
Transition to a modern, unified platform that can adapt to your branch transformation needs. Whether your branch strategy includes tellers, universal associates or shared device pods, Digital One Teller can meet your evolving needs. Digital One Teller is a comprehensive application for teller transaction processing and settlement, residing in Digital One Banker for sales and servicing.
Digital One Teller
Engage customers in a consistent and personal way by providing your associates with a common user experience, real-time data and a complete view of the customer relationship. Digital One Banker is a feature-rich application that allows bank associates to perform sales, service, account origination and monetary transaction processing on a tablet or traditional desktop in the branch, contact center, back-office or remote locations.
Digital One Banker
Put power in the hands of your customers. FIS’ digital solutions help you give customers the control they want, when and how they want it. Digital One Customer is a highly configurable, consumer-facing application for online, mobile and tablet self-service.
Digital One Customer
DIGITAL ENABLEMENT OMNICHANNEL PLATFORM
The FIS Digital One suite can be deployed together or separately. Interaction modules include:
Managing risk, fraud and compliance is a never-ending, constantly changing duty for financial institutions and other heavily regulated businesses.
The FIS Risk, Fraud and Compliance suite of products provide a solutions portfolio that helps automate and streamline processes that detect and prevent new types of fraudulent activity, track and maintain regulatory updates and manage risk levels. The comprehensive solution suite is recognized for its expertise in all three areas for providing astute guidance and broad technology solutions needed to manage evolving risk, fraud and compliance demands.
Risk Management
Fraud Prevention
Regulatory
• Debit Report • ID Verification (IDV) • ID Authentication (IDA) • Risk Case Manager • QualiFile® • BizChex
• Account Ownership • Address Analysis • DepositShield® • Employee Fraud Detection • FraudFinder® • FraudLink Kite Detection • On-us Deposit Fraud
• AML Compliance • OFAC Watch • Compliance Databank • Compliance Analyzer® • Regulatory Reporting
DIGITAL ENABLEMENT RISK, FRAUD AND COMPLIANCE
Customers want to interact with their financial institution anytime, anywhere and through any device.
A cohesive, fast and frictionless account opening process is the pivot point for building customer relationships. This requires an account opening process that is available through any channel and has the ability to save and resume from another channel, without starting over. The FIS Digital One® Deposit Account Origination facilitates customer engagement, streamlines data entry and manages documentation and disclosures, all while providing a safe, regulatory compliant and secure solution for your financial institution. In addition, the solution is core-agnostic, powered by a digital open-banking API that enables self-service and assisted transactions, all on a single platform.
FIS Digital One Deposit Account Origination
• Responsive web design provides device-specific user experience • Simple and intuitive user-interface is consistent across channels and users, providing an omnichannel customer experience • Streamlined and intuitive navigation reduces friction that can lead to application abandonment • Content management-driven capabilities provide the flexibility to create bank specific branding and content
Superior User
• Application rules and flow are configurable by a financial institution • Supports the ability to open multiple products simultaneously • Fast-track account opening process for existing customers • Paperless e-Sign capabilities • Photo data capture for pre-fill • Initeated account funding options
Simplified Process
• Integrated identity verification and authentication • Automated 'know your customer' workflow processing • Risk scoring, qualification and OFAC checks • Integrated fraud detection tools
Fraud Mitigation and Compliance
DIGITAL ENABLEMENT ACCOUNT ORIGINATION
With the Origenate Digital Channel, FIS empowers financial institutions to make the power of lending available with the touch of a finger.
It's the ultimate in mobility. This flexible and easy-to-use solution is tailored specifically to your financial institution’s look-and-feel. Origenate Anywhere creates a robust user experience that is fast, efficient and secure. Your customers will be able to use their personal device to request a loan, check approval status and send documents. This solution also allows your branch or call center staff to take applications or submit applications via other channels like DealerTrack, RouteOne, etc.
Origenate Digital Channel
• Automated document selection chooses the right documents for loan completion and lien perfection • Dynamic documents eliminate any unnecessary information, reflecting on the characteristics of the transaction • Integrated electronic signing and vaulting eliminates paper and provides convenience and complete confidence in the authoritative signed copy • Provides adherence to core banking security controls and core data values for onboarding and imaging
Origenate Fulfillment
• Application decision assistance and automation include standard rules, ability to pull credit bureau reports and set stipulations and checklist items • Pricing automation includes program and product-specific pricing, risk-based pricing and promotions • Analysts efficiency provides concise web pages and hotkey support, as well as automated routing, queuing and concurrence functionality throughout the system • Automated decision notification keeps users and consumers abreast of the loan’s progress
Origenate Underwriting
• Mobile lending application with responsive web design tailored to the size of the device used • Customizable branding • Multi-lingual support • Integration to applicant portal for engaging with the applicant throughout the loan application process
Origenate Anywhere
FIS and HEXANIKA™ provide innovative end-to-end software for financial institutions to address data sourcing and reporting challenges associated with regulatory compliance. The solution is comprised of SmartJoin, a big data framework that uses semantic, heuristic and machine learning logic for integrating, consolidating, aggregating and managing structured/unstructured data from disparate sources, as well as SmartReg, which is a software solution for regulatory compliance management. FIS Regulatory Reporting enables you to leverage technology on a secured ‘bank-ready’ cloud and subscribe to managed services for a complete regulatory reporting offering.
FIS has teamed with fintech partner HEXANIKA to provide simple, smart and efficient software that harnesses big data and machine learning to automate data ingestion and rules creation for analytics and reporting.
• Regulatory reports and submissions • Integrates with third-party business intelligence tools • Management reports • Outputs data in multiple formats
Output
• On-the-go rules building • Mapping to pre-defined reporting data models • Reporting workflow • Reconciliation • Statistical models
Rules Engine
• Multi-type file ingestion • Auto text and format guesser • Standardized algorithms • Mock data creation tool
Ingestion
FIS Social Media allows institutions to choose from a spectrum of services, ranging from a software-only approach all the way to full-service monitoring of any social media environment. In addition to monitoring for your institution, the software can monitor key competitors or customers. FIS Social Media allows an institution to conduct monitoring and internal reviews of social media activity for compliance needs and protect brand identity in the ever-changing internet. The brand monitoring empowers an institution with information and provides a vehicle to be proactive in responding to posts about them in the ever-growing online marketplace. FIS Social Media includes all components to enable resource-constrained clients to execute social media programs in an affordable, efficient and compliant way.
FIS Social Media addresses marketing and resourcing needs for institutions who are looking to engage current and prospective customers via social media.
Provides the resources you need to engage appropriately with customers and respond in a timely manner, including: • 24/7 social media monitoring of Twitter, Facebook, LinkedIn, Google+ and more • Trained personnel to respond to posts appropriately • Tracking and reporting on targeted competitors and customers • Marketing plan execution • Data retention and reporting to satisfy the auditors
Business Process Outsourcing
Assists you with creating and maintaining effective social media programs, including a social media strategy workshop that makes your digital engagement comparable, measurable and scalable.
Marketing Consulting
Assesses your social media risk profile and develops a risk management program tailored to your financial institution’s size, activities and risk profile.
Compliance Consulting
DIGITAL ENABLEMENT SOCIAL LISTENING
Empower customers and enrich their experience as you leverage enriched data.
Geezeo provides an integrated Personal Financial Management (PFM) platform for financial institutions, giving digital and mobile banking users more control and holistic views of financial health. It delivers PFM features to any channel or market – mobile, tablet, ATM, statements and more. With Geezeo’s RESTful API, financial institutions can create unique and enriched user experiences across any channel.
PFM drives relationships and creates stickiness. Integration is branded to your institution, positioning you as an enabler and customer advocate by providing superior financial tools.
Increase Retention and Satisfaction
Deliver the on-demand tools your market requires by providing one-stop banking convenience.
Expand Your Market
Go beyond marketing to engaging with your customers. The Engagement Banking Platform assesses user profiles, enriched data, spending habits and goals to help you present relevant financial solutions.
Increase Share of Wallet
DIGITAL ENABLEMENT PERSONAL FINANCIAL MANAGEMENT
Create a custom and relevant user experience by: • Coupling PFM’s account aggregation • Normalizing merchant data and categorizing transactions • Incorporating budgeting, goals, case flow calendar, net worth calculator and alerts
Putting the right tools in the hands of your customers can help them gain control over their personal finances.
FIS Personal Finance, powered by MX, has all the advantages of multi-sourced aggregation and transaction cleansing, categorization and classification. MX teams with digital banking providers, like FIS, to supercharge the account holder experience. FIS Personal Finance offers money management and user acquisition tools, as well as customizable solutions that are seamlessly integrated with digital banking solutions. This powerful personal financial management tool allows users to see all accounts in one place; visualize spending habits; prepare and manage a monthly budget; track spending over time; create goals and track progress; set alert thresholds and receive timely notifications.
Account holders want to bank when, where and how they want. FIS Personal Finance provides a groundbreaking new native cross-platform framework called Helios. Helios provides a full-featured digital banking experience on any device or platform. This native, cross-platform framework makes its fast, stable and device-optimized.
Native Cross-platform
Any financial management solution needs to be able to accurately and automatically categorize and cleanse transaction data. FIS Personal Finance uses proprietary technology and processes to categorize, classify and cleanse all transaction data.
Accurate Transaction Categorization
Most online and mobile customers rank the ability to see all their finances in one place as highly valuable. FIS Personal Finance partners with multiple data providers for account aggregation to ensure customers don’t incur frustration when an account link is broken or won’t update. By relying on multiple data providers for account aggregation, deficient connections are re-routed to keep users’ data current.
Multi-sourced Account Aggregation
Today’s account holders increasingly demand an engaging user experience that removes friction and simplifies their lives. FIS Personal Finance provides an industry-leading user-interface and user experience.
User Experience
Provide the speed, ease and convenience of transferring funds from one person to another through a single click.
FIS People Pay is an easy-to-use, person-to-person payments solution that enables your customers to send and receive money from a smartphone, tablet or desktop — secure and in real time. Powered by FIS PayNet, it makes real-time transactions a reality. People Pay is built on the good funds model, approving debits in real time via PayNet. With PayNet, money transfers and notifications happen instantly.
Receive email and text notifications when payments are sent or unclaimed, when a new contact is added and more.
Receive Notifications
View transaction details, cancel unclaimed payments and manage contacts.
Payments and Contacts
Recipients can use a MasterCard® or VISA® debit card to claim payments in real time.
Claim Payments in Real Time
Send money to anyone with an email address or mobile phone number. Recipients receive a notification with instructions on how to claim the money — even if they are not your customer.
Send and Receive Money
DIGITAL ENABLEMENT PAYMENTS
In today’s digital world, consumers strive for convenience and speed.
Consumers expect convenience and speed when it comes to paying their bills. FIS Bill Pay is a fast, convenient and secure way to pay bills. Consumers and small businesses have access to a variety of features to manage their digital payments with ease. FIS Bill Payment allows your customers to manage their banking and payments relationship in one place while introducing a new revenue opportunity for your financial institution. By joining the FIS e-bill distribution network, you’ll be able to respond to customers’ demands by allowing them to receive and pay their bills in one convenient location. FIS facilitates an open system that receives electronic bills and distributes them to multiple consumer endpoints. By becoming a network member, you can achieve enhanced cost savings, increased revenue and improved consumer engagement and retention. The FIS e-bill distribution network complements your biller-direct strategy by broadening consumer reach.
Forecast the impact of scheduled payments on account balances. Analyze current and future payments and add items, such as planned deposits or written checks.
Account Balance Forecasting
Offer the ability to make faster payments, avoiding incurring late fees from billers. Introducing a convenience fee allows you to open a new revenue stream for your financial institution.
Expedited Payments
Provide the ability to view and manage bills electronically and set up rules for a payment to be automatically sent upon receipt of a bill. Available from over 500 popular billers.
E-bills
• Schedule one-time, recurring or automatic payments • Add, modify or delete the individuals or businesses where payments are sent • Receive email alerts when payments are scheduled, a new payee is added, a new e-bill arrives, etc.
Payment and Payee Management
DIGITAL ENABLEMENT Payments
Provide customers with a safer way to make payments in a matter of minutes.
Zelle® is the revolutionary money movement service that lets consumers send and receive payments to almost anyone with a bank account in the U.S. From your financial institution’s mobile app, the customizable Zelle experience connects millions of consumers through a network of leading financial institutions they already know and trust. The sender and receiver never need to exchange sensitive details with each other and, most importantly, consumers typically have access to their money in minutes.
Rapid Deployment Service with Zelle
Numerous financial institutions are transitioning to Zelle’s ubiquitous, consumer-centric solution. It’s an ideal choice for financial institutions that want to accelerate product delivery and reduce the investment and risk associated with building and supporting a direct Zelle integration.
A Common Platform
A scalable solution built to include financial institutions of any size and anywhere in the United States. The larger the network, the greater the value to consumers who are looking for faster, more secure ways to send and receive money from almost anyone with a U.S. bank account.
Scalable
Consumers can remain within the safety of your financial institution’s online or mobile banking experience when they make or receive a P2P payment, making their P2P activities more secure. Plus, these P2P capabilities are provided within FIS’ infrastructure.
Safer
A faster, safer and scalable solution provided through a nationally recognizable brand. It works within the existing infrastructure of any U.S. financial institution, without requiring you to provide consumer account numbers to third parties. Plus, transaction information is transmitted within FIS’ secure infrastructure.
Custom-tailored for Financial Institutions
Provide your customers with the flexibility to choose where they transfer funds.
FIS External Transfers is a comprehensive solution that enables the movement of money from one account to another, between any financial institution in the U.S. With its real-time money movement capabilities, this flexible solution provides a new revenue opportunity, while also offering industry-leading fraud monitoring and risk mitigation features.
• Centralized customer service tool and support processes • Client support channels and processes consistent with FIS digital platforms • Available integrated first-tier support
Integrated Support
• Configurable limits and cut-off times • FIS-hosted user interface with SSO capabilities • Full web service integration for client user interface and/or mobile app integration • Mobile option to streamline mobilization
Flexible Deployment
• Transaction and daily cumulative limits • Configurable limits and/or fee settings for different consumer tier segments • Configurable hold days for crediting on-us accounts • Optional out-of-band authentication to add an external account • Email alerts to keep consumers informed
• Real-time transactions possible with accounts held at institutions on the PayNet® network • Instant account validation option for consumer-added accounts • Turnkey ACH processing • One-time, recurring and future-dated transfers
Money Movement
Customers want to-the-point, personalized communications and they don't have time to wait. With FIS' CSF Designer Intuition, you can instantly create and deliver relevant, brand- and regulatory-compliant communications that are uniquely personalized to each customer interaction.
FIS' CSF® Designer Intuition™ lets you connect with your customers like never before. You can quickly create relevant, compliant correspondence across all your customers' preferred delivery channels. Whether you want to deliver a customized statement immediately via email, a notification via SMS, or a personalized quote in the mail, Intuition can do it all. Utilizing a unique, scalable and open architecture, Intuition combines the ease and quickness of web-form user entry with the familiarity and flexibility of a word processor and enhanced with the omnichannel delivery capabilities of a production output system. Designer Intuition is part of a complete interactive communications solution, which includes template design, browser-based interactive editing, real-time document generation and output delivery management. It can be used for customized customer communications, correspondence management, loan origination and servicing correspondence, account opening and on-boarding, sales and enrollment kits, quotes, proposals and much more.
CSF Designer Intuition
• Select a correspondence template • Add customer information • View pre-defined, pre-approved content • Modify editable content using Intuition controls • Select delivery channel(s) • Submit for approval, if applicable • Review and approve customized correspondence
Customize
• Send completed correspondence via email or SMS • Send copies to a centralized print or email system • Optionally use web services to deliver copies to external archiving systems
Deliver
• Layout, formatting and text content • Map data • Omnichannel customer experience • Customizable controls for Intuition • Establish business rules • Define delivery channel(s) • Generate template resources for Intuition
Create
DIGITAL ENABLEMENT CUSTOMER COMMUNICATION MANAGEMENT
Today’s banking environment is both highly competitive and heavily regulated. Historically, Customer Communications Management was accomplished with multiple software tools and implemented with narrow and short-term goals.
The CEDAR Digital Customer Communication Management (CCM) solution provisions a seamless communication experience across all touch points on a single, common platform to deliver consistency, governance, simplicity, familiarity and innovation that improves and enriches the user experience while also reducing technology debt and fragmented back office processes. With CEDAR’s fully-hosted CCM solution, integrated services are deployed to streamline and modernize the entire communications process and connect information from all systems. Consistent, modern, personalized multi-channel communications are produced with end-to-and governance, visibility and quality assurance. The entire customer communications life cycle is managed by a single-source solution as an enterprise shared service.
CEDAR Digital Customer Communications Management
API and data-integration tools can aggregate content from multiple systems, providing a seamless customer experience.
Multi-system Integration
A single source for all customer communication content and activity with versioning, audit trails, usage tracking, reporting, review and approval.
Centralized Governance and Control
A full spectrum of print and digital communication channels enables true multi-channel servicing and personalization for your customers.
Modern Multi-channel Delivery
The processes required to manage customer relationships can be complicated and complex, often involving many different points of contact across your financial institution.
A true Business Process Management (BPM) solution can help you mitigate costs and increase efficiency by introducing workflow processes that automate, streamline and reduce processing time. FIS’ Infinity Process Platform is a next generation mission-critical BPM tool with out-of-the-box functionality for process modeling, execution, analysis and integration. Its unified platform helps transform existing operations into consistently managed enterprise processes. The platform’s automation, integration and monitoring adhere to proven J2EE, HTML5/AngularJS and BPM standards to reduce implementation costs and increase return on investment.
• Traffic light view shows outstanding processes and activities based on business benchmarks • Process Manager shows all outstanding processes and activities, grouped by priority • Resource and work management give managers visibility into workload and resource availability • Process reporting can show outstanding processes and activities or report on business data
Control and Reporting
Out-of-the-box system connectors allow for the faster implementation of integrated solutions such as Web Service Application, REST Service Application, Camel Endpoint Application, SQL Invocation Application, UI Mashup and Email.
System Integration
• Role and department-based worklists deliver work items to qualified users • High priority and critical work items are clearly indicated to ensure the most important work is completed first • Roles configured to process in ‘assembly line mode’ automatically receive the most important activity that the user is authorized to process
Work Distribution
• Uses a browser-based modeler, allowing for collaboration with distributed analysts and development teams • Based on BPMN 2.0 (Business Process Modeling Notation) • Integrated rules management uses process data to execute rules based on decision tables
Process Design and Modeling
DIGITAL ENABLEMENT BUSINESS PROCESS AUTOMATION
Today’s new operating model isn’t just about focusing on your front-line digital channels, it’s also about lowering your total operating costs and becoming more efficient across your front- and back-office.
FIS' Intelligent Process Automation (IPA) is an application of technology that allows employees in a company to configure computer software as an intelligent machine to capture and interpret existing applications for processing a transaction, manipulating data, triggering responses and communicating with another digital system. IPA does not replace existing applications; instead, it works with those systems to perform specific tasks that the robot or “Virtual FTE” has been asked to complete. IPA is a suite of technology solutions utilizing Robotic Process Automation (RPA) and Artificial Intelligence (AI) to automate and orchestrate business processes and workflows.
Use your existing data to discover new insights while automating core customer information and service data, product and balance information, customer suitability, risk and compliance data, transaction information and more.
Improve Data Capture and Reporting
Automate compliance tracking, data gathering, controls monitoring, data validation and risk monitoring.
Contain Compliance Costs
Reduces the time spent finding and gathering information while streamlined workflows move work through the organization quickly and efficiently.
Enhance Efficiency
Enables you to handle more transactions and greater volumes of activity with the same number of personnel.
Improve Staff Productivity
As new channels emerge and consumers demand more innovative products and services, it can be easy to lose sight of the foundation that makes it all possible: your core banking solution.
FIS provides the premier next generation platform for your banking transformation journey. The FIS next generation core banking solution offers componentized modules and the latest fintech capabilities to expand real-time digital processing enablement, and the promise of compelling banking transformation opportunities. It simplifies transformation and modernization by moving capabilities typically embedded in a monolithic core banking system into smaller, functional components that provide you with ultimate flexibility. FIS’ next-generation core banking solution utilizes an Open Banking Framework that enables access and innovation through FIS, third-party and fintech providers. Accompanying APIs allow you to connect your digital experience with the banking ecosystem. The technology is cloud-agnostic and can be used with Amazon Web Services (AWS), Microsoft Azure or FIS’ cloud, without needing to change the deployment process.
Next Generation Core Banking Platform
• Cloud ready • 24/7 operations • Ease of upgrades • Fully auditable • High performance • Time-independent batch processing
Deployment
• Fully-integrated with FIS Code Connect (API Gateway) • Many G/L options • Open payment framework • FIS Enterprise Customer • FIS Enterprise Organization • FIS Enterprise Product and Pricing • FIS Compliance Manager • Analytics Engines
Integration
• Open-source options • Secure encryption • Highly scalable • Completely java-based
Infrastructure
• Multi-currency • Multi-language • Multi-database/operating system • Multi-tenant • Containerization
Architecture
DIGITAL ENABLEMENT CORE BANKING
Overcome the hurdle of managing documents and the inherent limitations of paper by utilizing digital documents to improve efficiency, increase profitability and provide superior customer service.
FIS ImageCentre Document Imaging is a browser-based enterprisewide image processing solution designed exclusively for the financial industry. The application takes full advantage of imaging technology and the associated benefits of having images accessible anytime and anywhere. ImageCentre Document Imaging provides the ability to scan, index and research, as well as an optional workflow component. Users can access, review, distribute, store, print, e-mail or fax scanned images of any document. FIS Content Management, a stand-alone component, is a browser-based document imaging solution with a focus on deposits, loans and general documents. A business rules-based engine is designed to track and automate document workflow processes. Seamless integration with COLD allows users to access any imaged document to show a customer’s total relationship with your financial institution. COLD Workflow, an industry-leading solution, applies business rules to allow a user to review a subset of data from reports, routing only the exceptions to a reviewer for action. Audit tracking becomes a non-issue; escalations and SLA tracking ensure reviews are performed in a timely manner. COLD+, a powerful Enterprise Report Management system, provides high volume and high-speed storage, research of reports and data mining capabilities for efficient back-office data management and reporting.
Identify suspect items across channels before posting.
Enterprise Duplicate Detection
Provide immediate visibility of items across the enterprise and instant access to items via archive. All documents, checks, statements and reports are stored in the same database.
Real-time Single Database
DIGITAL ENABLEMENT IMAGING
A thin-client user interface, with OLE control extension (OCX) for operational actions, provides ease-of-use and deployment across the enterprise.
Browser-based Interface
