Developed with extensive usability testing, the services are expressly designed to enable financial institutions to provide the utmost in consumer-friendly online service.

The result of a two year, multi-million dollar investment, Online Resources' hosted Internet Banking and Bill Pay applications now feature:

• Highly adaptive, intuitive navigation - created in conjunction with usability, visual design and information architecture specialists, the new interface was consumer tested to meet the needs of any level of online banker, from the novice statement viewer to the small business user to the experienced power payer. The new, clean interface uses the latest in Rich Internet Applications (RIA) technology and "smart windows" for easy access to important information, which reduces information overload for the consumer.
  
• Intelligent marketing and CRM tools - leveraging consumer-specific data, these new tools maximize awareness and education, boost online customer service power and drive adoption and up-sell opportunities. Driven by consumer usage pattern intelligence, the service incorporates contextual messaging throughout the interface, such as help links and advertisements that are timely and relevant to the user.
  
• Seamless premium payments services - extensively integrated expedited payments, bill presentment and personal financial management services to promote deeper online interaction and individualization, backed by the consumer-friendly, real-time guaranteed funds model that puts the consumer in greater control of their finances.

For example, expedited payments are available within the standard online payments flow to enable consumers to make last minute payments with same day, guaranteed posting. Bill presentment is also available to all bill payers in the integrated payments service for easy access to actionable bill payment information. In addition, enhanced personal financial management tools, based on the company's award-winning Money HQ service, offer useful budgeting, reporting and alert features.

"We are pleased to provide our customers an enhanced online banking and bill payment service. The Online Resources product incorporates usability best practices with enhanced bill payment features in a fresh, easy-to-use interface," said Susan Peterson, Chief Retail Banking Officer for MB Financial Bank. "The integrated online banking and bill payment services provides a superior online experience for our customers through what we call ibankmb.com."

"Online Resources' new release achieves a unique balance in providing comprehensive online services while delivering an intuitive, consumer-friendly interface," said Sandra Shiba, Service and Information Manager at the University of Utah's University Credit Union. "We are very pleased to make this latest release available to our members as an extension of our high quality service."

"We believe we have addressed three complex areas - usability, marketing and payments - that are crucial to a successful online channel through an enhanced set of services that are sophisticated yet simple to use," said David P. Munger, Vice President of Online Resources' Banking Payment Services. "In addition, by providing consumers with 'perfect knowledge' of their finances, such as providing exact information about when a payment goes out and exactly how it is being sent, we are helping our clients deliver a highly consumer-friendly online service."

Financial institutions can choose from multiple deployment options of Online Resources' online banking and bill payment services. Based on their in-house IT capabilities, configuration needs, customization levels, operational priorities and numerous other factors, clients choose from highly flexible options for software, support and payments. For example, clients have combined Online Resources' on-premise software to support extensive customization needs for online banking, but fully integrated hosted bill payment to support user interface requirements, augment customer service and meet payment warehousing needs.