Compare & Contrast: Online Banking Redesign 2021

(1)

®

(2)

®

Compare & Contrast:

Online Banking Redesign

2021

(Webinars 3 & 4 Content)

Be sure and post all your questions in CHAT.

(3)

• Release Plan

• Pre-Authentication Features/Pages [before the end user is authenticated]

• Post-Authentication Features/Pages [after the end user is authenticated]

• New Features/Functionality

• Informational Sessions/Webinars

• XpressLive Intro (powered by )

New product offering

o Be ready for the UI Redesign release with a fantastic new Digital Customer Service experience!

Agenda

The purpose of this webinar is to compare current functionality within Online Banking and assist you in understanding how it is impacted with the 2021 redesign project.

This webinar will also introduce major new components of the redesign project.

Be sure and post all your questions in CHAT.

(4)

Release Plan

(5)

Release Plan

• All clients will update at the same time (multi-tenant platform)

• Will occur Sunday, October 24, 2021 during our allowed outage window (12:01 AM to 4:00 AM CT).

o NOTE: Closer to the release it will be determined if we believe the outage will extend beyond our typical window closure and information will be distributed.

• During the outage Digital Banking services will be unavailable.

o Notifications will be sent when services are restored o Institution Checklist for post release will be provided

• Materials coming soon:

o FAQs

o Targeted notification materials o Banner ads, etc.

o Client instructional videos

o QuickGuide to upcoming new features

Unless specifically indicated a feature is available for both Retail and Commercial customer types.

NOTE: Images shown may depict prototypes and not final versions for the release. Release versions will be indicated in upcoming webinars.

(6)

Support Site Information Page

(7)

User Interface Redesign Information Page

(8)

Pre-Authentication

Features/Pages

(9)

Login Page

• Accessible by end users for institutions that do not utilize the Instant Login on their marketing websites.

• Accessible by end users for institutions that do utilize the Instant Login on their marketing websites but do not have the Xpress redirect for this page back to the institution’s marketing website – meaning end users can bookmark this page and bypass the institution’s marketing website

• New look and feel will be applied to this page

• Access ID and Passcode are now stacked versus side by side

• Institution customized text and images will be carried over with the release

• No changes to process flow

Current Interface Redesign Interface

(10)

Login Failure Page

• Accessible to all end users when a log in attempt fails though the Login page OR through the an institution’s Instant Login

• New look and feel will be applied to this page

• No changes to process flow

(11)

Enrollments

• New look and feel will be applied to these pages

• Retail Enrollments

o Standard

o AutoEnroll

• Commercial Standard Enrollment

• Color applied is based upon institution’s colors

• No changes to process flow

(12)

Forgot Your Passcode (FYP)

• New look and feel will be applied to this flow

• No changes to process flow

• Color applied is based upon institution’s colors

(13)

Post-Authentication

Features/Pages

(14)

FXIM View Session Indicator

Current Interface

Redesign Interface

(15)

Institution Logo – Return to Overview

• Clicking the institution logo will return the end user to the Overview page – just as in the current

interface it returns the end user to the Home page

(16)

Managing Account and Category Icons

• Depending on the current support of account logos (Internal and outside aggregated accounts) end users get more control over the display

• Setting available vary based upon institution contractual offerings

As is the case currently, Account logos and icons are not supported in Xpress Mobile Banking.

(17)

Information and

Settings

(18)

Welcome Center / Information and Settings

• “Welcome Center” is now referred to as the “Information and Settings” area

• Contact Us link currently directs to All Services and Settings page – replaced with phone icon

• Alerts and Messages icons remain – no functionality changes

• Term “Welcome” has been removed from what is now referred to as Profile Settings dropdown

(19)

Information and Settings: Contact Us

(20)

Information and Settings: Alerts

(21)

Information and Settings: Messages

(22)

Information and Settings: All Services and Settings

(23)

Information and Settings: Profile Settings

(24)

Information and Settings: Log Out

(25)

Navigation

Bar

(26)

Navigation Bar: Help

(27)

Navigation Bar: Print

• Move focus away from page specific print options

• New design will depend more on utilizing native browser print options

• When no print option is displayed on the page, user should choose Print option from the menu options of the specific browser or in the toolbar

(28)

Navigation Bar: Tabs

Included tabs (same as current interface):

• Overview tab (new landing page, previously titled Home)

• Accounts tab

• Bills & Payments tab

• Move Money tab

• My Spending tab (Retail customer)

• Cash Management tab (Commercial customers)

• Any institution specific SSOs or 3^rd Party options tabs will remain

(29)

Navigation Bar Tabs: Overview

• Home tab is now labeled Overview

• Overview tab will have a Retail user experience and a Commercial user experience – just as currently supported on Home

(30)

Navigation Bar Tabs: Accounts

• Basic functionality - same as current interface for accounts – displays a dropdown of accounts and options

• Adds a Connect An Account option which allows the user to choose add a current institution account, add an external account for transfers or add an outside account for aggregation

o Displayed options depend on what an institution supports currently is contracted for and offers to users

(31)

Navigation Bar Tab: Accounts – Connect An Account

(32)

Navigation Bar Tabs: Accounts (Institution Account Details Links)

• Institution specific links added by to the current left side bar of the Account Details pages will now be displayed in the Accounts dropdown (shown here as AcctDets Sidebar Link)

• Up to 3 links are supported (non SSO)

(33)

Navigation Bar Tabs: Move Money

Redesign Interface Current Interface

• Label of tab depends on what an institution is specifically contracted for and offers

• Additional example below is for FIs offering Zelle (also shown location of Pay Someone or Zelle depending on which an FI may offer currently)

(34)

Navigation Bar Tabs: Cash Management

• Basic options remain the same

• Right column displays the following (as supported per institution currently)

o Previous Day Balance Reports o Current Day Balance Reports o Create Balance Report

o First 5 institution specific SSO links from the Other Services section of the Cash Management page

(35)

Overview

Page

(36)

Overview: Retail Users (updated September 15, 2021)

• Two (2) columns - Accounts List and Widgets

o Widgets are configurable by the user

• Account groupings and Favorites remain the same as today

o Post release an institution level configuration option will become available to modify the default group headings

• ApitureIQ Marketing banner ad space now appears at the top of the Widget column when an ad is targeted to the user

• Displays both primary balances (just as today) by default (no configuration request will be required) o Both primary balances will also display on the Accounts Details page

(37)

Overview: Commercial Users

• Two (2) columns - Accounts List and Widgets

o Widgets are configurable by the user

• Account groupings remain the same as today

• Favorites is replaced by Account Groups

• ApitureIQ Marketing banner ad space now appears at the top of the Widget column when an ad is targeted to the user

• Displays both account balances by default

(38)

Overview: Accounts List Pagination

(39)

Overview: Outside Accounts (Retail & Commercial Users)

• User clicks account name to open Account Details modal

• Sync and sync fail icons appear on account row

• QuickView will display last updated time/date

• QuickView also displays option to open Account Activity (modal)

(40)

Overview: Banner Ad (ApitureIQ)

(41)

Other

Pages/Features

Samples

(42)

Urgent Message Bar

(43)

Move Money (Existing page sample with new look/feel applied)

(44)

My Spending (Retail Users)

(45)

Account

Details

(46)

• Displays both primary balances (just as today) by default for Retail and Commercial customers (no configuration request will be required). Both primary balances will also display on the Accounts Details page

• Converted current links under balances will display as sub-tabs on the page:

o Activity o Cards o Alerts

o Statements

o Stop Check Payment o Future View

• Institution specific SSOs sub-tabs will display after the Statements sub-tab

• When too many sub-tabs exists, a MORE dropdown will be displayed

• Credit/Debit column:

o Single Credit/Debit column for Retail users (default – configuration option to display 2 columns)

o Credit and Debit columns for Commercial users to follow standard accounting practices(Debit/Credit)

Account Details (updated September 15, 2021)

(47)

Account Details (Retail Users)

(48)

Account Details (Commercial Users)

• Sub-tabs such as Statements and Stop Payment will continue to open a new page.

• Future View will continue to open in a new window.

(49)

Account Details Filters (Retail & Commercial Users)

(50)

Features/Functionality New

(51)

Overview Page:

Account Features

(52)

• Accessible from the Overview page

• Allows end users to see and access additional information and actions without leaving the Overview page

• Supported for both internal and aggregated outside accounts

• Includes the following:

o Both Previous Day Balance and Available Balance (if supported for an account type)

o Most recent 5 transactions in the last 5 day (clickable to display Transaction Details modal) o Pay options for loans as

applicable – including date next payment and amount due if supported for an institution currently

o Transfer In and Transfer Out as applicable

o Link to Account Activity

Overview: QuickView (Retail & Commercial Users)

(53)

Overview: Favorites (Retail Users)

• Internal accounts can be made to be favorites – same as current functionality

• Outside Accounts being aggregated may also be made favorites now

As is the case currently, Favorites are not currently reflected in Xpress Mobile Banking (future feature).

(54)

Overview: Account Groups (Commercial Users)

• Account Groups replace the Favorites functionality for all Commercial users

• Account Groups allow Commercial users to create sub-sets of accounts that can be quickly viewed on the Overview page

o Outside Accounts being aggregated can be included in an Account Group for the Overview page

• A default Account Group can be set for each time the Commercial user logs into Online Banking

• There is no limit to the number of Account Groups a Commercial user may create

• Account Groups will be able to be utilized by other features in Online Banking in the future

• Account Groups are NOT shared between Focus Customers, Sub-Users or Agents – unique to each user

• During the release, an Account Group name Favorites will be created for any Commercial user

who has set up favorites

(55)

Overview: Manage/Edit Account Groups (Commercial Users)

(56)

Overview: Manage/Edit Account Groups (Commercial Users)

(57)

Overview: New Group - Account Groups (Commercial Users)

(58)

Overview: New Group Assign Accounts - Account Groups

(Commercial Users)

(59)

Overview: New Group Assign Accounts - Account Groups

(Commercial Users)

(60)

Overview: Account Group Actions Account Groups

(Commercial Users)

(61)

Overview: Delete Group - Account Groups (Commercial Users)

(62)

Overview Page:

Widgets

(63)

• Widgets provided to the end user include (as

supported per institution):

o Spendable Balance o My Spending (if

contracted)

o Category Watch (if contracted)

o Pending Transfers o Unread Messages o My Credit Score (if

contracted)

• End user can reorder and hide most widgets as

desired

o Cannot hide Messages widget or My Credit Score widget

Overview: Manage Widgets (Retail Users)

(64)

• Widgets provided to the end user include (as

supported per institution):

o Pending Transfers o Unread Messages

• End user can reorder and hide most widgets as

desired

o Cannot hide Messages widget

• Additional commercial widgets will be released in the future

Overview: Manage Widgets (Commercial Users)

(65)

Widgets: Spendable Balance (Retail Users)

(66)

Widgets: Changing Spendable Balance Account (Retail Users)

(67)

Widgets: My Spending (Retail Users)

(68)

Widgets: Category Watch (Retail Users)

(69)

Widgets: My Credit Score & Reporting (Retail Users)

• Will update with October release

• Will not impact display in Xpress Mobile

• Visible for institution’s contracted for this service

(70)

Widgets: Pending Transfers (Retail & Commercial Users)

(71)

Widgets: Unread Messages (Retail & Commercial Users)

(72)

Informational

Sessions/Webinars

(73)

Materials will be published soon and announced including:

• FAQs

• Marketing Plan

• Sample Targeted Notifications

• Banner Ads

• Instructional Videos for your teams

• Post Release Checklist

Informational Session/Webinar

(74)

XpressLive

powered by Glia

(75)