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Q2 Holdings inc   (QTWO)
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    Sector  Technology    Industry Software & Programming
   Industry Software & Programming
   Sector  Technology
 



 

What are Q2 Holdings Inc's Business Segments?



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.

   

Q2 Holdings Inc Tax Rate Companies within the Software & Programming Industry


Business Segments Q4
Revenues
(in millions $)
Q4
Income
(in millions $)
(Dec 31 2023)
%
(Profit Margin)
Total 161.98 -18.08 -

Growth rates by Segment Q4
Y/Y Revenue
%
(Dec 31 2023)
Q/Q Revenue
%
Q4
Y/Y Income
%
(Dec 31 2023)
Q/Q Income
%
Total 10.53 % 5.09 % - -

To get more information on Q2 Holdings Inc's Total segment. Select each division with the arrow.


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