Digital Experience

The customer-facing digital channel layer. Consumer online banking and native iOS and Android apps with biometric login, mobile deposit, and card controls; a commercial portal with dual authorization, wire initiation, and ACH origination; and a configurable UX shell with branding controls.

The platform identity and authentication layer. Passkey and FIDO2 support, adaptive multi-factor authentication, and session risk scoring; biometric authentication, device trust, power of attorney management, and role-based access; with an IDV engine, verifiable credentials, and KYC/KYB orchestration.

Electronic statements, customizable alerts, and secure messaging.

Internal and external transfers, self-service account maintenance, and personal financial management tools with budgeting and cash-flow features.

Tools that help customers manage and improve their financial position. Cash flow forecasting, overdraft prevention, automated expense categorization, credit score monitoring, debt planning, and goal-based and round-up savings.