OBS provides next-generation cash management and revenue-generating business banking solutions for banks, including eight of the top 50 U.S. commercial bank holding companies.

Built to meet contemporary scale, channel, security and integration requirements, OBS' Messenger Financial Center, a Web 2.0 cash management and business banking portal based on Online Messenger, enables banks to move beyond classic barriers to leverage delivery channels for files and transactions without limitation. With a contemporary design and receiver-based model, banks' business customers can perform any financial transaction with ease. In addition, OBS' Messenger Mobile Services allows banks to leverage and deliver the new Payment Services through the mobile channel as well as other licensed delivery channels. Messenger Financial Center provides transaction initiation including stop payments and account-to-account transfers and payment initiation of vendor payments, payroll and domestic wire transfers. OBS plans to continue building out their payments capabilities to include a full range of domestic and international payment types.

According to OBS' CEO, Dan Myers, "The new Payment Services offer a simple user interface with step-by-step directions, assisting the user through the payment entry process. We expect this approach to minimize the cost and time to implement and train new users and remove the mystique of payment initiation."

Messenger Financial Center Payment Services is deployed with a contemporary administration and control infrastructure supporting entitlements with separation of duties and dynamic approval levels designed to meet the needs of small companies or large companies. As an extension of the Online Messenger platform, Messenger Financial Center Payment Services provides extensive security and audit capabilities and reporting.