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channelUNITED®platform provides an open standards, core-independent, omnichannel solution that spans both self-service and assisted channels to meet all digital transformation needs.

was purpose-built as a single technology stack upon an open banking API architecture that allows it to be fintech-friendly, cloud-enabled and continuously innovative.

channelUNITED enhances the experience for both the customer and banker. It is currently the only market-available solution to enable digital transformation across all engagement points including consumer online and mobile, banker sales, servicing, teller, account origination and kiosk.

Key Features

The single platform provides key features that span your self-service and assisted channels across the enterprise, including:

  • Consumer Online
  • Consumer Mobile
  • Consumer Account Origination
  • Banker Sales & Service
  • Banker Account Origination
  • Banker Teller
  • Banker Contact Center
  • Branch Kiosk
  • Remote Workforce Sales & Service

Key Benefits

Customer Choice

·Consistent experience.

·Retained data across all channels.

·Customer can choose where, when, and how they want to interact with the bank.

·Responsivedesign that gives customer choice of device.

Customer Convenience

·Start/save an activity and pick-up where you left off.

·Common access and event activity across online, mobile, branch, advisory, kiosk, call center to eliminate repeating oneself.

·Integrated account origination and funding options.

·Service requests (i.e. disputes) that automatically generate across channels, reducing paper and calls.

·Schedule Appointments.

Customer Personalization


·Seamless guidance from embedded PFM content.

·Fast-track account opening.

·End-to-end customer journeys, not individual touch points.

·Consistent recommendations and offers across channels.

·Customer is empowered to manage more of their finances.

Bank Revenue Drivers

·Increase account openings through frictionless, real-time processing – ability to notify pending apps.

·Complete contact history across all channels for continuous engagement.

·Empowersall customer-facing employees to process revenue generating transactions.

·Common experience for associates means common experience for your customers, lowering customer attrition.

Real-time servicing to manage fees and prevent fee loss

Bank Efficiency Gains to Lower Costs

·Instant case creation for servicing requests across channels.

·Paperlessprocessing with electronic acknowledgement.

·Reduce branch costs through kiosks, tablets, shared devices.

·Reduce callsto branch and call center.

·Reduce trainingand attrition(call center).

·Greater adherence to compliancepolicies through pre-filled, automated and validation processes.

Bank Technology Gains

·Reduce point solutions and costly licensing, integration and upkeep.

·Separate channels from legacy core to gain innovation.

·A digital API with over 350+ RESTful channel services.

·Speedtime to market.

·Seamless integration to best of breed qualification/funding options to be used with legacy core – thru the use of channelUNITED.