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PROVEN

INNOVATIVE

VISIONARY

With consistent 30 percent year-over-year revenue growth, as well as a surge in end users from 1.1 million to over 9.5 million in the past six years, Q2 has proven itself a powerful competitor. Over 850 clients currently use our digital banking products. We’ve rolled out hundreds of updates, and delivered hundreds more off-platform integrations. Simply put, we understand what it takes to get FIs up and running on our uniquely future-ready digital banking solutions.

Q2’s history of innovation is unmatched in our industry. We developed the first true omni-channel digital banking platform, pioneered the use of fraud prevention with data analytics, transformed how FIs approach bill pay, built an intelligent recommendation engine, and more. In 2017, we rolled out a uniquely comprehensive software development kit to help you get the most out of the Q2 Platform. And, we’re moving beyond digital banking to arm you with open APIs that make developing new financial services products simple and cost-effective.

Q2’s vision of transforming our industry beyond digital banking is built on the intersection of CONNECTIONS, CONVERSATIONS, and COMMERCE. We help FIs cultivate connections with account holders by giving you actionable data about consumer needs. This data helps you form meaningful conversations with the communities you serve, and those conversations lead to opportunities for commerce and growth. No other digital banking vendor matches our passion for partnership, investment in innovation, or commitment to your growth.

meet

Since 2004, Q2’s mission has been to strengthen communities by strengthening the financial institutions (FIs) that serve them. These FIs, and the communities they serve, are the lifeblood of our nation’s diverse economy. And, for more than a decade, we’ve been proud to provide local and regional banks and credit unions with the tools and strategies they need to be strong, innovative, and positive forces in their communities.

Today, we’re delivering on this mission for more than 850 customers across the country. Our digital banking platform and solutions are helping community FIs exceed the limitations of their brick-and-mortar branches. With Q2’s help, they’re better able to compete with Megabanks and embrace FinTech strategies to claim a greater market share. It’s good for them—and good for their communities.

And our work isn’t going unnoticed. Q2’s name, capabilities, and expertise are well-known across the financial services sector. The quality of our software is unrivaled in the industry, but it’s our relationship-driven approach that truly sets us apart. We’ve built our business by creating a culture of partnership internally and externally, forging strong relationships with our customers, and helping them, in turn, create meaningful connections with their account holders.

We appreciate you taking the time to learn more about Q2, and we look forward to having the opportunity to serve as your technology vendor and strategic partner.

Sincerely, Matt Flake, CEO

our solutions

The most comprehensive and adaptable digital banking solutions of their kindQ2’s digital banking solutions for deposits, money movement, lending, leasing, security, and fraud enable you to deliver a better financial experience to your account holders.

By combining our modular, agile, and extensible platform with a comprehensive set of financial service solutions and data-driven insights, we’re able to help you understand and serve your customers better, unlock opportunities, and grow faster.

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consumer solutions

A unified, intuitive consumer banking experience

Q2 offers a full suite of digital banking products to help you serve consumer account holders; from basics like account balances, transfers, and bill pay, to newer and more advanced features like integrated person-to-person payments, mobile remote deposit capture, and the Centrix Dispute Tracking System, which automates the administration of disputed electronic transactions.

Give your account holders the tools they need to easily make transactions, plan their finances, and more.

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Person-to-person paymentsQ2 P2P is a secure, integrated person-to-person payments solution that gives your account holders the ability to pay anyone quickly, easily, and securely, from any device—helping you acquire and retain valuable consumer accounts.

Contextual personal financial managementQ2 Contextual Personal Financial Management (PFM) provides an intuitive, easily accessible money management tool for your account holders. Q2 Contextual PFM is integrated into Q2’s digital banking experience. Your customers’ financial profiles and management tools are shown in the digital banking interface, not hidden somewhere behind a tab.

Integrated bill payQ2’s comprehensive single platform uses the latest in mobile-first design and security technology to support partnerships with several of the industry’s leading bill pay providers. Combining business critical technology with an engaging user experience, Q2 helps your institution drive digital banking adoption.

business solutions

Business banking anytime, anywhereQ2’s Business Banking suite supports a broad range of functionality, from basic wires and ACH to tiered user management, and Centrix Exact/TMS—a transaction management system that encompasses check positive pay, payee match, ACH positive pay and account reconciliation. And because it all lives on a single platform, your business account holders have a modern, consistent user experience regardless of device.

Help your business account holders succeed and grow by enabling them to run their businesses on

the go from any device.

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User managementQ2 offers easy-to-understand user management. From initial setup to daily administration, you can meet the needs of small and large businesses without hassle. And because you’ll use the same admin console for both business and consumer account holders, you can be more efficient and productive in the administration of your digital branch.

ACHThe Q2 Platform offers businesses of all sizes the ability to originate a variety of ACH transactions. Account holders can take advantage of advanced ACH capabilities for payroll, collections, and state and federal tax payments—as well as allowing the pass-through of ACH files directly to your FI.

WiresMeet the demands of business account holders with complex needs. Q2 Business Banking offers dual action approvals for both domestic and international wires. Wire alerts that signal incoming and outgoing wire transactions are available, as is full reporting of wire activity.

corporate solutions

Attract big business with a difference you can see and touchSuccessful commercial banking at the highest level is no longer just about function and volume. Digital banking systems with multiple platforms, logins, and experiences feel dated and at-odds with productivity and current technology. In the age of Netflix, Amazon, and user-centered everything, digital banking must evolve. And at Q2, it has.

Our Aite Group award-winning UX offers commercial account holders a look, feel, and ease-of-use that rivals that of retail users, while providing advanced treasury and cash management functionality. Combined with analytics-driven intelligence capable of generating new sources of revenue, Q2 Corporate Banking empowers you to win and serve

account holders of all sizes in the age of mobility.

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Advanced entitlementsQ2’s advanced entitlements replace complicated, grid-style workflows with a single-rule style policy that simplifies user entitlements. This sophisticated entitlements engine supports rules around account access, subsidiary management, date/time access controls, and geographic locations.

Information reportingInformation reporting puts the power of data directly in the hands of your corporate account holders. It provides a set of standard reports, but also gives your account holders the freedom to create custom filtered reports based on their business needs.

High-volume transaction supportThe ability to conduct high-volume transactions is key for corporate account holders, including title companies, property management firms, and other transaction-heavy businesses. The Q2 Platform supports high-transaction accounts with an intuitive, productivity-boosting interface—as well as some custom workflows designed around the needs of specific high-volume verticals. Whether they’re conducting high-volume ACH, wires, or transfers, Q2 provides the support necessary to acquire and retain corporate account holders.

lending and leasing solutions

Simplify the borrowing experience with an integrated, cloud-based lending platform

We help lenders close more loans—and faster—with automation and configuration. Our easy-to-use platform provides the borrower experience, origination, underwriting, servicing, and collection capabilities you need—all within a single system of record. You can design and tailor borrower journeys with a simple point-and-click portal that lets you rapidly deploy and iterate lending products.

Whether you’re targeting consumers or businesses, we empower you to deliver secure, compliant loans and leases at a greater volume and lower cost. Digitize your business and delight your borrowers with our end-to-end, cloud-based solutions.

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LendingWe offer complete loan servicing solutions that automate loan billing, payments, collections, and accounting within one robust, flexible, and secure platform. With the power of the cloud, we efficiently manage portfolios and allow you to easily scale transaction volume. Our highly configurable solutions help financial services companies rapidly bring new products to market or update existing offerings quickly.

LeasingOur leasing solutions automate operations, manage and track multiple assets within leases, and manage repossessions and returns. We integrate the work of collection agents, repossession agents, equipment resellers, and dealers. Our solutions automatically apply fees, calculate taxes, and collect payments through ACH and credit cards. From underwriting to collections, and everything in between, we enable lenders to define, automate, and simplify their processes.

Emerging financial servicesWe can help you handle the complexities of managing the entire online marketplace loan cycle—from online origination and loan fractionalization to servicing and managing multiple investor portfolios. Our solutions accelerate the delivery of capital, improve access to lending alternatives, and enhance borrower and investor experiences. Our open architecture lets lenders quickly configure solutions to meet market and regulatory needs and enables a quicker time to market for alternative lending services.

security solutions

Intelligent security to protect the trust you’ve earned

Q2 provides an array of fraud prevention and mitigation tools built natively on the Q2 Platform. Only Q2 combines machine-learning and unattended inspection on a unified platform to better secure transactions, interactions, and customer touch-points. This includes in-house, multi-factor, and out-of-band authentication, and extends to proprietary behavioral analytics products and our Centrix Payments I.Q. System, which provides ACH activity reporting and ACH file validation.

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Multi-factor and out-of-band authenticationQ2 deploys a multi-layered security strategy that seeks to protect FIs and their users at every level. It starts with a number of integrated multi-factor authentication (MFA) and out-of-band authentication (OOBA) tools that require a second authorization at the login or transaction levels.

Q2 SentinelQ2 Sentinel, formerly Risk and Fraud Analytics (RFA), is Q2’s proprietary fraud prevention solution. Built natively on the Q2 Platform, Q2 Sentinel uses the transactional and behavioral data of your users to identify and halt suspicious transactions in real time before they are completed.

Q2 PatrolQ2 Patrol, formerly Event-Driven Validation (EDV), provides an intelligent authentication layer, powered by behavioral analytics, for high-risk consumer banking activities. Q2 Patrol monitors user actions within consumer banking and presents an in-session identity-validation prompt when certain high-risk activities, including changes to alert delivery options or profile information, are attempted during a session that has been rated as potentially fraudulent.

growth and analytic solutions

Uncover new opportunities for growth

At Q2, we believe that modern technology provides opportunities for you to grow your reach, revenue, and market share beyond what was ever possible with traditional brick-and-mortar strategies.

Q2’s growth and analytics products turn mountains of end user behavioral data into actionable and highly predictive recommendations, while our APIs and developer tools offer you ways to quickly rollout new products and strategies, both within the Q2 Platform and also as stand-alone solutions.

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Q2 SMARTQ2 SMART is an analytics-driven recommendation engine that makes it easy to target real account holder needs to more effectively drive products per relationship. It integrates seamlessly with online banking and leverages the behavioral analytics modeling of our Q2 Sentinel security product to help guide your messaging efforts. Q2 SMART’s behavioral targeting can uncover new opportunities for growth in all channels, and its reporting dashboards identify clear cross-sell opportunities to improve your bottom line.

Q2 GroQ2 Gro provides a digital sales and marketing platform that drives customer acquisition and growth across all digital channels. Q2 Gro enables customers to make personalized recommendations and cross-sell products—from deposit accounts to loans for both retail and business clients. Gro’s solution combines advanced, multichannel account opening with targeted marketing capabilities as well as a shopping cart experience, so account holders can simply add financial products when and how they need them.

Q2 OpenThe Q2 Open portfolio is a brand-new way to develop financial services products. Q2 Open APIs are modular and easy to implement, allowing any organization—from FIs and fintech developers to retailers—to simply and inexpensively build their own applications, features, and financial services products to support consumer saving and spending. Q2 Open powers all-new products like Biller Direct and CardSwap and drives strategies that are not possible with legacy banking technology—helping FIs extend their reach into new markets, tap into new revenue opportunities, generate deposits, and more.

Q2 Caliper SDKOur SDK wasn’t just built for our customers—it was made for our developers. These are the same tools that we’ve used internally for years. Over time, we’ve improved, expanded, and polished our SDK into the comprehensive toolkit it is today—one that we’re proud to share with our FI partners. It lets you develop and integrate workflows on a full dev stack of the Q2 Platform, with complete control of your environment, and gives you access to APIs, documentation, and training.

services for security, implementations, and more

The people, products, and data to help you succeed

Growth takes more than financial know-how. That’s why Q2 brings together the cross-organizational process knowledge, training resources, and systems integration to help you out-perform the competition. We have an unmatched depth and volume of transition experience, a best-in-class security team, and developers ready to customize your digital branch. Q2 provides specialized teams who are expert in Q2’s solutions and understand how to ensure your FI is getting the most from them. They’ll work with you as true partners to streamline your path to success in all things digital.

Security Services

Security is mission critical to your financial institution. Our security specialists support 385 clients, 24 hours a day, 7 days a week, 365 days a year, and understand what it takes to keep you safe. We offer platform assessments as well as social engineering testing.

Any marketing firm can design a website, but Q2’s Creative Services team offers a singular focus on designing responsive, accessible digital branches for FIs. We’re virtually a full-service creative agency that partners with your marketing team to provide creative solutions to manage your website needs.

Creative Services

Success takes more than an exceptional product. To encourage and support the strategic growth of your digital banking platform, Q2 Advisory Services can provide important planning, implementation and strategic alignment, to make sure the Q2 Platform is configured in a way that best fits your needs.

Advisory Services

Custom Services

Financial institutions need a digital banking experience that is both functional and differentiated to attract and retain account holders. Q2 can enhance both while ensuring your user experience reflects your mission, products, and brand identity.

End User Marketing

Q2’s End User Marketing team stands ready to help you engage account holders and maximize your FI’s growth. You can leverage a comprehensive set of assets and campaigns that help you promote and cross-sell—ensuring your FI makes the most of your offline and online channels.

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a culture of partnership

At Q2, our commitment to serving our customers goes beyond our products and services. We live a culture of partnership that’s reflected throughout the company—from our staffing model to team structures, from our datacenters to customer support, and more.

No other company in our space has the kind of commitment to our customers that we do.

Hosting and infrastructureOur commitment to user experience doesn’t end with our intuitive interface. At Q2, we don’t want our customers—or yours—to face any outages or interruptions. To that end, we’ve invested over $1 million in a CyrusOne Tier 4 Datacenter, as well as a developed a unique Active/Active recovery solution to further mitigate downtime. The result is a more dependable platform that boasts average customer uptimes of over 99.99 percent.

A culture of customer engagementInvolvement with industry analysts, consultants, and associations—like ABA and NAFCU—helps us stay ahead of trends and technology in the financial services space. Events like our Collaborate series and CONNECT annual client conference, as well as our customer idea portal, help us stay engaged with client needs.

The Q2 User Group, has grown by more than 50 percent in the last year, now boasting nearly 300 individual participants during our monthly calls. This dedicated forum helps us keep our FI partners informed on upcoming products, upgrades, and initiatives, while providing our clients a way to be heard. We listen closely and work hard to prioritize solutions

that will help your FI address today’s challenges, and tomorrow’s.

Dedicated to a better experienceWe believe that good design is valuable, feasible, and usable, and our research practices play a big part in shaping solutions that solve real user problems. Our dedicated Product Research Team carries out extensive usability testing in a state-of-the-art lab we call the Experience Research Center (XRC), helping inform and improve the way we develop new products and features. In its first year, our XRC has already yielded hundreds of product improvements and inspired dozens of additions to our Product Roadmap.

Engaged, passionate employeesAt Q2, our mission is clear: to strengthen communities by strengthening their financial institutions. And we hire team members who are driven by this mission. Since 2004, it’s been the key to our success. For eight years in a row, Q2 has been recognized as one of the top workplaces in the hottest technology city in the United States. Austin’s talent pool is deep, and we have tapped into it to select the perfect team to deliver our mission.

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Eight years in a row!

2011–2018

the difference is clear

For more information visit:

ebanking.com

(512) 275-0072

hello@q2ebanking.com

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