Internet Banking and Bill Payment

As time-strapped consumers become more comfortable with the Internet and more dependent on the convenience it offers, banks battling for customers are finding Internet banking to be both a competitive necessity and a key differentiator. Today, Internet banking serves retail and commercial banking customers, and can play a large role in cutting costs and improving efficiencies for a bank's operations.

Cardinal Software can integrate most Internet banking systems with Cardinal/400™. If you are not sure about what Internet systems you need or what provider you want to use, Cardinal Software banking experts will consult with you about your options to help you determine the solution that will best meet your current and future needs.

Q2 Software, Inc.
Our preferred system provider for
Internet and Voice Banking solutions
is Q2 Software, Inc. Headquartered in
Austin, Texas. Q² Software, Inc. is in
the business of providing software
and services for community banks
and credit unions. The Q² team
represents over 150 combined years
of developing, delivering, and
supporting online, voice and website applications. The management and staff of Q² has been recognized time and again for building award-winning Implementation and Customer Support departments that set them apart from the rest of the competition.

All Q2 solutions are designed on the Microsoft® .NET framework to allow you the flexibility, security, configurability and performance your customers require. Additionally, the system is easily installed, operated and supported at your financial institution or data center, on familiar hardware and operating systems that your IT staff likely already knows and supports. Q2Online™ and Q2Voice™ Banking systems integrate with Cardinal/400™ using a standard browser interface, making online banking convenient for your customers and providing revenue generating potential for your bank.

Finally, these solutions have been developed to be truly integrated, not through an effort to re-design and combine existing legacy systems, but from the ground up. Sharing a common data schema and host communication architecture means that host account data, local transactions, messaging, end-user rights, and administration are shared across all Q² solutions. From authentication to administration to authorization, these solutions work together through Q²Central, the heart of your operations center for web-site, voice or online services.

Q²Online™ Banking and Bill Payment
Do you want to provide your retail or commercial customers with Internet access to their account information anytime, anywhere? A full-featured Internet banking solution, Q2Online™ bridges the gap between retail and commercial consumer needs, allowing retail customers access to commercial features based on flexible charge plans. Q2Online meets the varying needs of your customers. From the simple retail user checking balances and viewing statements to the power commercial user, the solution is designed to help you drive adoption, increase customer loyalty, and reduce your cost of serving customers that are able to serve themselves via the Internet.

Q²Voice™ Banking
As more and more of your customers turn to the phone for informational requests and basic transactions, your staff availability increases to provide support around more complex requests or a more personal level of support to your customers when needed. As almost everybody has access to a telephone, Q²Voice™ is one of the most efficient, cost effective ways to serve your customers.

With Q²Central™ you get a shared operations console to manage all Q² products. This shared environment makes the day-to-day management of multiple front-end applications and services a snap, reducing repetitive tasks required to administer non-shared applications.

 

Cardinal Software Services  
 

• Cardinal/400 Core System

• Cardinal Software Services

• Ancillary Systems and Services

    • New Accounts, Teller & Loan
      Platform Systems


    • Relationship Banking
      System™


    • Cardinal Academy™

    • Proof of Deposit, Check
      Imaging & Image
      Statements


    • Internet Banking, Bill
      Payment & Voice Response


    • ATM

    • Document Management &
      Electronic Imaging


    • Mailing Services

    • Networking Solutions

    • Equipment Leasing

 

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