D3 CONSUMER BANKING

Consistency, Control, Configurability at Scale

Financial Institutions Are Losing Control Of Their Digital Customers

D3 Consumer Banking was developed in response to an industry-wide problem that exists today. The harsh reality is that many financial institutions have lost control of their digital customers. They’ve outsourced control of the user’s experience, lost control of digital data needed to deepen their customer relationships, and diluted their brand, all the while driving up the costs and complexity of their digital operations.

D3 Consumer Banking is the newest, most modern product in the marketplace. Leading institutions including Arvest Bank, First Tennessee Bank and others have selected D3 Consumer Banking to be the foundation for their digital banking strategies. The cornerstones of that foundation include:

One Solution, All Digital Devices: D3 Consumer 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 Solutions: D3 Consumer Banking is 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 Consumer Banking is 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 a bank or credit union to personalize the advice, products and services they offer to each individual.

Choose Your Deployment Model: D3 Consumer Banking 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.

The D3 Consumer Banking solution returns control of the user experience and associated data to financial institutions. The unique features offered in D3 Consumer Banking include the following:

View and Do Dashboard: Consumers do not like having to move between multiple screens to access the key services and vital data they need to conduct their digital banking. D3 Consumer Banking offers a view and do dashboard that allows users to easily view all their accounts, conduct a full array of money movement options and review their financial position – all without needing to leave the page.

Embedded Digital Money Management: D3 Consumer Banking uses a proprietary categorization engine to analyze all digital transactions by all of an institution’s digital customers. The unique learning capability of this engine allows it to achieve 98% accuracy. This intelligent categorization capability provides consumers with a view to their financial position without requiring any action on their part. This view of the individual’s financial health allows the financial institution to personalize the value-add services according to each customer’s need.

Simple, Intuitive Money Movement: D3 Consumer Banking changes the approach to money movement by offering consumers a simple, intuitive interface that does not require they understand the difference between account-to-account, bill pay, person-to-person, ACH and wire transfer. All the consumer needs to do is determine who should receive the money, what amount should be sent and when the money should get there. Unlike current money movement models, the D3 Banking approach allows the financial institution to control the user interface and the data associated with the consumer’s activities.

These features have fueled the rapid adoption of our consumer banking solution. Within two years following our launch of D3 Consumer Banking, more than 1.5 million people in the United States were using it to do their digital banking. As more banks and credit unions replace their current disparate legacy digital banking solutions, we expect more and more consumers and their financial institutions will join the millions already using D3 Consumer Banking.

  • Single omnichannel solution
  • Consistent user experience
  • Automatic transaction categorization
  • Embedded financial management
  • Aggregation
  • 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