First Tennessee Bank Live on D3 Banking’s Mobile App

$28 billion institution completes next step in deploying digital banking platform strategy 

OMAHA, Neb., August 16, 2017 – D3 Banking, provider of the industry’s most advanced digital banking platform, announced today that First Tennessee Bank has successfully deployed its mobile banking application to the bank’s more than 300,000 registered mobile users. The D3 platform already supports First Tennessee’s more than 500,000 browser-based users.

First Tennessee originally selected D3 as its provider after the bank conducted a comprehensive review of the solutions available to support its digital banking strategy. D3’s extensible, API-driven platform made it possible for First Tennessee to consolidate its digital users and services while improving customer experience and decreasing costs. In addition, the configurability and scalability of D3’a platform created an innovative environment that the bank felt would provide it with a competitive advantage for years to come. 

“At First Tennessee Bank, it’s our mission to deliver the best experience possible to everyone who banks with us, and to provide them with the necessary tools to succeed financially,” said Kevin Karrels, senior vice president, digital channel strategy executive at First Tennessee Bank. “This means we have to be able to respond to the ever changing needs of our customers. In order to do that, we had to do more than simply refresh of our online and mobile channels.”

Karrels continued, “Since going live with the D3 online solution, we’ve seen a five-percent year over year increase in online banking usage and we expect to see strong results from mobile as well. D3’s digital platform allows us to provide the seamless, consistent experience our users want, backed by the flexible, scalable architecture we need to continue to grow, evolve and fortify our market position.”

The D3 mobile app is supported by powerful analytics that enable First Tennessee Bank to know its customers better, and anticipate their needs. The insights from this analysis allow the bank to make personalized, relevant offerings to meet those needs. The D3 mobile app also includes embedded personal financial management functionality and automatic transaction categorization that helps customers better understand their spending habits and financial position. 

“Simply replacing outdated online and mobile banking solutions is no longer a viable option for financial institutions that want to compete successfully today and in the future,” said Mark Vipond, CEO of D3 Banking. “That’s just the price of getting to sit at the table, not a winning hand. Some institutions, such as First Tennessee Bank, understood this early on and have taken the steps necessary to enable the deployment of innovative services and capabilities required to be competitive over the long haul. These institutions will be the ones well positioned to attract and retain customers as the digital revolution heats up.” 

About D3 Banking
D3 Banking’s digital innovation platform provides a comprehensive set of financial services built on a scalable, API-driven architecture that mitigates the impact of disparate, legacy products. The platform’s extensibility and scalability enables financial institutions to deploy the ongoing innovations that demanding digital users will require in the future. D3’s digital innovation platform also reduces the cost and complexity created from the use of multiple online and mobile banking products by providing a scalable single code base solution for consumers and small businesses that can be accessed via laptops, smartphones, tablets and wearables. In addition, the platform leverages a powerful, proven analytics engine that delivers value-added financial management tools to consumers and small businesses while providing financial institutions with the ability to use this information to personalize their product and service offerings. Learn more about the company at 

About First Tennessee Bank
First Tennessee Bank is the largest bank headquartered in Tennessee, with the number one deposit market share in Chattanooga, Memphis and the Tri-Cities, a top-five deposit market share in Knoxville and Nashville, and the number one market share in the counties in which we have locations. The FTB Advisors wealth management group has 313 financial advisors and $28 billion in assets under administration. First Tennessee was founded during the Civil War in 1864 and has the 14th oldest national bank charter in the country and one of the highest customer retention rates of any bank in the country. First Tennessee, FTN Financial and FTB Advisors are part of First Horizon National Corp. (NYSE: FHN), which has 4,300 employees. First Horizon has been recognized as one of the nation’s best employers by Working Mother and American Banker magazines. More information is available at

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