Our solutions allow RCFIs to offer a comprehensive and unified suite of digital
banking services to their account holders. We internally design and develop our
solutions around a common platform that integrates our solutions with each other
and RCFIs' other internal and third-party systems and enables digital banking
services to extend across online, mobile and voice channels. Our common platform
architecture, deep integration with other systems and the multi-tenant aspects
of our infrastructure, enable us to develop solutions that allow our customers
to harness the power of the information within their other systems to gain greater
insights and to improve the overall security of their account holders and themselves.
Our common platform is deployed with the initial installation of our solutions
and provides our customers with the following benefits:
single-login and multi-layered security across channels and devices;
deep integration with numerous other internal and third-party systems within RCFIs;
single interface to an RCFI's core transaction processing system;
unified user experience and consistent workflows, languages and data;
more rapid configurability, development and deployment of new features and functionality;
and
comprehensive view of account holder activity across channels and devices.
We leverage the benefits of our common platform to provide our customers the
following solutions:
Q2online: Q2online is our browser-based digital banking solution. Q2online leverages
the integration and other benefits of our common platform to securely deliver
comprehensive RCFI-branded digital banking capabilities such as account access,
check balancing, funds transfers, bill pay, recurring payments processing, statement
viewing and new products and service applications. Q2online also supports single
and batch ACH processing, payroll, state and federal tax payments and domestic
and international wires. Q2online also provides our customers with management
functionality such as account holder enrollment, password management, permissions,
rights management, reports, integrated security as well as feature assignment
for online, mobile and voice banking.
Q2 Sentinel: Q2 Sentinel, formerly known as Q2 Risk & Fraud Analytics, is
our real-time security analytics solution designed to help our customers detect
and block suspect transactions within our digital banking solutions. Q2 Sentinel
provides both behavioral analytics and policy-based decision prompts for RCFI
administrators. Our solution continuously learns account holder behaviors while
providing an analysis of transaction activity via easy-to-use case management
tools supporting either the authorization or interruption of transactions.
Q2 Corporate: Q2 Corporate is designed to support RCFIs in their efforts to
attract and retain larger commercial accounts. Using Q2 Corporate, business
accounts can more effectively manage higher volume and more complex transactions
by restricting transactions based on accounts, subsidiaries, approval levels,
user roles, date and time as well as geographic location. In addition, Q2 Corporate
supports more advanced information reporting designed to help RCFIs deliver
key business information to their commercial account holders.
Q2 SMART: Q2 SMART is an intelligent targeting and messaging platform that allows
customers to analyze account holder data utilizing machine learning and statistical
analysis to look for opportunities to grow their account holder relationships
with targeted offerings based on specific account holder behavior. Q2 SMART
relies on a multichannel approach, identifying traits across a broad range of
account holder behavioral patterns to help customers create new account holder
campaigns, conversations and offers based on specific account holder behaviors
rather than just demographics. Q2 SMART includes a recommendation engine that
uses the same analysis to determine which products an account holder is most
likely to adopt. Q2 SMART is fully integrated with the Q2 platform and summarizes
account holder behavioral data using clear and easily understood metrics, graphs
and charts that are updated daily and presented through an intuitive user interface.
Q2 Account Opening: Q2 Account Opening provides RCFI customers with an intuitive,
low-friction application for their account holders to set up checking and savings
accounts online in a matter of minutes, with streamlined application forms and
steps relative to traditional in-branch account opening processes. Q2 Account
Opening also allows account holders to quickly fund their newly opened accounts
using a credit or debit card. Q2 Account Opening is designed to function across
devices giving financial institutions the ability to extend their market reach
beyond their traditional geographic footprint.
Q2 Active/Active: Q2 operates multiple data centers, each of which contains
the infrastructure required to maintain full load capacity for all account holders
using Q2's platform solution. For all Q2 platform solution customers, all inbound
traffic from digital banking logins and interactions are balanced equally among
the two data centers, with account holders seamlessly directed to one data center
or the other at login to ensure even sharing of online traffic. The Q2 Active/Active
solution enhances this standard load balancing with application and storage
resiliency to enhance performance and availability for RCFIs. The Q2 Active/Active
solution keeps the databases in both centers in a mirrored state to allow for
a fully automated failover that significantly minimizes recovery time and account
holders affected.
Q2 Patrol: Q2 Patrol is an event-driven validation product designed to mitigate
certain high-risk, non-transactional fraudulent activity. Q2 Patrol utilizes
behavioral machine learning to identify potentially fraudulent digital banking
sessions. It analyzes past login behavior and device details, including IP addresses,
geolocation, device type, time stamps and more to create a digital footprint
for each account holder. This added layer of insight enhances security by: requiring
account holders to further authenticate a digital banking session if that session
is deemed suspect based on abnormal behavioral login and device detail; providing
regular reporting to RCFIs for regulatory compliance and risk reduction; and
supplying session details in the user interface to better involve account holders
in their own account safety.
Q2mobility App: Q2mobility App is our mobile and tablet digital banking solution.
With Q2mobility App, consumer and commercial account holders can access, engage
and complete banking transactions such as adding and managing payees, transferring
funds, executing single or recurring payments for multiple bank accounts, viewing
e-statements or check images and managing other general banking services from
their Apple iOS or Android-enabled mobile or tablet device. Q2mobility App uses
the native functionality of mobile and tablet devices such as touch, camera
and geo-location to enhance the digital banking experience of account holders.
Q2mobile Remote Deposit Capture: Q2mobile Remote Deposit Capture is a partnered
solution that allows remote check deposit capture utilizing account holders'
camera-ready mobile and tablet devices.
Q2 Person-to-Person Payments (Q2 P2P): Q2 P2P is a partnered secure, integrated
person-to-person payments solution that gives account holders the ability to
pay anyone quickly, easily and securely, from any device.
Detection Monitoring Service (DMS): DMS provides RCFI customers with unified
security threat tracking of the critical aspects of the customers security threat
landscape, including phishing, pharming and malware detection and deactivation.
DMS also provides RCFI customers with brand threat intelligence across thousands
of "cousin" domains, social media platforms, blogs and mobile app
stores.
Q2 CardSwap: Q2 CardSwap allows RCFI customers who issue debit or credit cards
to enable account holders receiving newly issued cards to automatically change
their payment information with existing subscription and digital point-of-sale
services, which have previously been set up for payment with a different card,
removing a traditionally significant barrier to card and account switching decisions
by account holders. In addition to simplifying the account holder onboarding
process, Q2 CardSwap can also be used to assist account holders with compromised
card replacement.
Q2text: Q2text is our mobile solution designed to enable specific digital banking
activities through the text messaging function of the device. Q2text provides
self-service banking to account holders without the use of an app. Q2text enables
account holders to check account balances, review transaction histories, transfer
funds between accounts and manage alert and notification messaging to their
mobile device.
Q2voice: Q2voice is our voice-based solution for telephones. With Q2voice account
holders can use their traditional telephone or mobile phones to conduct voice
banking such as checking account balances and transfers. Q2voice also enables
our customers to provide alerts, notification, security and completion of an
online initiated transaction to their account holders.
Q2themes: Q2themes is a personalization solution for Q2online customers. RCFIs
can use Q2themes to customize their digital banking services through personal,
local, loyalty- and audience-specific themes, such as language preferences,
font styles and designs specific to our customers' account holders.
Q2clarity: Q2clarity is our analytics solution for our Q2online customers. Q2clarity
leverages cross-channel data and security analysis to provide our customers'
executives with a view of key performance indicators, such as solution performance,
utilization and account holder interactions.