Digital Banking Platform

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Overview

Why Good Enough Isn’t In Digital Banking

No matter how you look at the results from a recent JD Power online survey measuring the level of consumer satisfaction with banks, if you are a regional or midsized institution it should be a wake up call. According to the data collected in the survey, the biggest banks — specifically Chase, Citi, Wells, BoA, PNC and US Bank — have a higher consumer satisfaction ranking than regional ($33B to $108BB in deposits) and midsized ($2B to $33B in deposits) institutions.

This is the first time since this research was first conducted in 2006 that big banks have outperformed the regional and midsized banks. According to Rocky Clancy, vice president of the financial services practice at J.D. Power, the reason big banks are outperforming the others has to do with them “putting their money where their mouths are” when it comes to investing in customer facing technology, specifically digital banking.

Good enough, “me too” solutions are no longer viable as strategies for institutions that want to be competitive in their markets. We have reached a pivotal moment in digital banking when regional and midsized financial institutions must look for new partners to help them deliver digital banking solutions that help them compete successfully.

Digital Banking The Way It Should Be

D3 Banking’s solutions for consumer and small business digital banking are the newest, most modern products in the marketplace. Leading institutions including Arvest Bank, First Tennessee Bank and others have selected our products to be the foundation for their digital banking strategies. Some of the reasons why these blue chip institutions have partnered with D3 Banking include:

One Solution, All Digital Devices: D3 Banking delivers a comprehensive set of banking services from a single code base to laptops, smartphones, tablets and wearables eliminating the inconsistent user experience as well as the complexity and costs associated with using disparate solutions from multiple vendors to meet the needs of digital customers. Our API-driven architecture allows us to easily incorporate new services as the needs of digital consumers evolve.

Scalable and Configurable: D3 Banking’s products were built to meet the needs of regional and mid-sized financial institutions. In the past year we have successfully completed several of the largest legacy product replacements in more than a decade in the industry. In addition, our solutions are built to be highly configurable. This means that banks and credit unions control their own destiny rather than being held hostage by vendors whose solutions require expensive and time-intensive customization.

Data Driven Personalization: D3 Banking offers solutions built with powerful data analytics capabilities that allow customers to assess and monitor their financial health without requiring heavy lifting on their part. In addition, the information concerning a customer’s financial health is provided to the institution, allowing banks or credit unions to personalize the advice, products and services they offer to each individual.

Choose Your Deployment Model: D3 Banking’s products can be operated on-premise or hosted for a financial institution. Regardless of which model suits a bank or credit union better, each institution receives the same value added features, including scalability, configurability, availability, data analytics and reduced costs and complexity, that have made D3 banking a provider of choice for leading institutions

Key Features

  • Single omnichannel solution
  • Consistent user experience
  • Automatic transaction categorization
  • Embedded financial management
  • Aggregation
  • Pro forma financials
  • Predictive cash flow
  • View and do dashboards
  • Biometrics security
  • Remote deposit capture
  • Innovative money movement
  • Expedited payments
  • Contextual functionality
  • Data visualization
  • Comprehensive alerting
  • iOS and Android apps
  • Mobile only and/or mobile first
  • Control of user data
  • 1:1 Marketing
  • Shadow assist
  • Least cost routing
  • Multi-tenancy
  • Configuration not customization
  • Maximum control of entitlements