NCR Digital Insight Expands Online Banking Solutions for Small Business

Digital Insight, an NCR company, announced it will expand its online banking portfolio to include Shared Access (Entitlements) and Small Business Payments, including Automated Clearing House (ACH) and Wires to help financial institutions increase profitability, deepen loyalty and trust, and reduce fraud. Digital Insight was acquired by NCR Corporation in January 2014.

Offered as part of the retail banking platform, the added Digital Insight online banking solutions enable the company’s more than 1,000 customer financial institutions to attract and engage the unique needs of profitable small businesses. According to a recent report, up to 75 percent of small to middle market businesses consider ACH and Wires to be an important functionality for online banking and 22 percent consider Entitlements as an important functionality. To help small businesses effortlessly make and collect payments through online banking these features enable users to:


  • Accelerate payments and streamline payroll for better money management
  • Make and collect payments to-and-from vendors and other businesses
  • Schedule future-dated payments
  • Review and manage payments history

Shared Access (Entitlements):

  • Add users and set permissions with a few clicks
  • Expanded account access enables additional parties to view account information, track transaction history and make payments
  • Ability to set transaction approval limits for payments

“As our financial institution customers continue to serve more small businesses, we’re committed to providing them with tools to best meet both the financial institution and the end users’ unique needs,” said Himmat Randhawa, Product Manager at Digital Insight. “By adding these key small business capabilities to our retail online banking platform, financial institutions are helping small businesses on the platform that they are accustomed to and not offering them a solution that is too big for their needs.”

Shared Access, ACH and Wires helps drive profitability for financial institutions by generating additional fee income, lowering the cost to serve on a single platform and driving higher engagement with small businesses across a wider set of products and services.

“Most small businesses do not need an expensive cash management product,” said Kimberly Sambuchi, Electronic Banking Manager at MutualOne Bank. “Digital Insight’s Entitlements have helped us expand beyond our consumer product offerings to provide our small business customers with a solution they need, without the exorbitant fees they would pay at a larger financial institution.”

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