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An integrated digital banking platform that provides seamless, consistent user experiences across all digital channels. Features include personalization, real-time data insights, digital account opening, money movement, financial wellness tools, and marketing capabilities.
Online and mobile banking applications that allow customers to access their accounts, make transactions, and manage their finances remotely.
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Mobile App Availability Whether the platform offers a dedicated mobile application for iOS and Android devices |
Digital One is a comprehensive digital banking solution targeting seamless user experience on all channels, and official documentation references both iOS and Android apps. | |
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Responsive Web Design Whether the web platform automatically adjusts to different screen sizes and devices |
Product emphasizes 'seamless, consistent experiences across all digital channels,' indicating responsive web design. | |
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Biometric Authentication Support for fingerprint, facial recognition, or other biometric login methods |
Product sheet and promotional materials list biometric authentication (fingerprint/face ID) in app features. | |
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UI Customization Ability for users to personalize their dashboard, widgets, and interface elements |
Digital One promotes user dashboard personalization and widget-based customization. | |
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Accessibility Compliance Adherence to WCAG or similar accessibility standards for users with disabilities |
No information available | |
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Dark Mode Support Option for users to switch to a dark color scheme to reduce eye strain |
Digital One specifically lists dark mode support as part of its modern UI options. | |
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Multi-language Support Number of languages available for users to interact with the platform |
No information available | |
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Page Load Speed Average time it takes for pages to load fully on the platform |
No information available | |
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Single Sign-On (SSO) Ability to use one set of login credentials across multiple services or platforms |
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Push Notifications Support for sending real-time alerts to users' devices |
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In-app Chat Support Live chat functionality for customer service directly within the platform |
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Voice Banking Integration Integration with voice assistants like Alexa, Google Assistant, or Siri |
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User Satisfaction Score Average rating from user feedback on experience and usability |
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Real-time Balance Updates Whether account balances are updated in real-time as transactions occur |
Real-time data insights and instant balance display are key advertised product features. | |
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Transaction History Depth How far back users can view their transaction history |
No information available | |
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Transaction Search Ability to search through past transactions using various filters |
Transaction search and advanced filters are available as core features. | |
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Transaction Categorization Automatic categorization of transactions (e.g., groceries, utilities) |
Automatic transaction categorization is offered within Digital One's financial wellness tools. | |
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Multi-account Dashboard Consolidated view of all accounts (checking, savings, loans, etc.) in one interface |
The platform provides a consolidated dashboard for multi-account visibility. | |
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Account Nickname Customization Ability for users to rename accounts with personalized labels |
Users can assign nicknames to accounts within their dashboard. | |
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Statement Generation Ability to generate and download account statements for specific periods |
Account statement generation and export (PDF) is detailed in user guides. | |
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Tax Document Access Availability of tax-related documents (e.g., 1099-INT) within the platform |
Tax document download (1099, etc.) supported per Digital One documentation. | |
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Account Closure Self-service functionality to close accounts without visiting a branch |
No information available | |
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Account Alerts Customizable notifications for account activities (e.g., low balance) |
Custom account alerts (thresholds, credit, debits, etc.) are part of notification management. | |
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External Account Linking Ability to connect and view accounts from other financial institutions |
Users can link accounts from other financial providers for consolidated views. | |
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Account Opening Ability to open new accounts entirely through the digital platform |
One of the foundational features: digital account opening is explicitly called out. |
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Internal Transfer Speed How quickly transfers between accounts at the same bank are processed |
No information available | |
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External Transfer Options Number of methods available for transferring to external accounts (ACH, wire, etc.) |
No information available | |
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Bill Pay Service Functionality to schedule and manage payments to service providers and billers |
The core platform includes bill pay for service providers and billers. | |
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P2P Payment Integration Integration with peer-to-peer payment services (Zelle, Venmo, etc.) |
Digital One supports integrations with Zelle and other P2P payment networks. | |
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Recurring Transfers Ability to set up automatic, repeating transfers between accounts |
Recurring/internal transfers can be scheduled and automated. | |
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Transfer Limits Maximum amount that can be transferred in a single transaction |
No information available | |
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International Wire Support Ability to initiate and track international wire transfers |
International wire transfer is called out in the product overview. | |
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Real-time Payments Support for instant payment networks like RTP or FedNow |
Real-time payment support (instant payments) is a promoted capability. | |
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QR Code Payments Support for generating or scanning QR codes to initiate payments |
QR codes for payment initiation are included as a feature for mobile payments. | |
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Mobile Check Deposit Functionality to deposit checks by taking photos with a mobile device |
Mobile check deposit (photo check) is available in their mobile banking apps. | |
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Bill Payment Reminders Proactive notifications about upcoming bill payments |
Automated and proactive bill pay reminders are included. | |
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Transfer Templates Ability to save transfer details for frequent transactions |
Users can save transfer templates for frequent transactions. | |
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Payment Status Tracking Ability to track the status of payments and transfers in real-time |
Payment and transfer status tracking is built into the interface. |
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Multi-factor Authentication Requiring multiple forms of verification before granting account access |
Digital One features robust multi-factor authentication. | |
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Encryption Level Strength of encryption used to protect data (e.g., 128-bit, 256-bit) |
No information available | |
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Automatic Session Timeout Whether the system automatically logs users out after a period of inactivity |
Automatic session timeout after inactivity is part of standard security. | |
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Device Recognition System can identify and flag logins from new or unrecognized devices |
New device recognition and notification is part of fraud strategy. | |
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Fraud Monitoring Active monitoring systems that detect and flag suspicious activities |
Real-time fraud monitoring tools are implemented for all accounts. | |
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Transaction Verification Secondary verification required for high-risk or unusual transactions |
High-risk transaction triggers require additional verification steps. | |
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Card Controls Ability to freeze/unfreeze cards, set usage limits, or restrict geographical usage |
Card controls (freeze, set limits) are included in mobile banking suite. | |
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Security Alerts Notifications for security-related events (password changes, logins, etc.) |
Security event alerts (e.g., login, password reset) are part of notification options. | |
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Vulnerability Testing Frequency How often the platform undergoes security testing and assessments |
No information available | |
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Fraud Guarantee Financial protection offered to customers in case of fraudulent transactions |
FIS publicly advertises fraud guarantee for unauthorized digital transactions. | |
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Privacy Controls User options to control data sharing and privacy preferences |
Users have granular privacy/data sharing controls. | |
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IP Blocking Ability to block access from suspicious IP addresses or regions |
IP blocking and geo-restriction supported by Digital One's security engine. | |
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Compliance Certifications Number of security and compliance certifications held (PCI DSS, ISO 27001, etc.) |
No information available |
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Spending Analysis Tools that analyze and visualize spending patterns across categories |
Spending analysis and visual spending breakdown are core to the platform's financial wellness tools. | |
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Budgeting Tools Features that help users create and monitor budgets |
Budgeting tools and progress monitoring are prominently featured in the financial wellness tools section. | |
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Financial Goal Setting Ability to set and track progress toward financial goals |
Users can set and track multiple financial goals in Digital One. | |
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Net Worth Tracking Calculation and visualization of overall financial position |
Net worth tracking is available through account and asset aggregation. | |
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Cash Flow Forecasting Prediction of future account balances based on recurring transactions |
Cash flow forecasting is included in analytics tools. | |
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Automated Savings Tools that automatically move money to savings based on rules or AI |
Automated savings features (e.g., rules, envelope methods) are built-in. | |
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Investment Tracking Ability to monitor investment performance within the platform |
Investment/portfolio tracking integration is offered. | |
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Financial Health Score Personalized scoring system to assess overall financial wellbeing |
Personalized financial health score is a feature of the platform's wellness module. | |
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Debt Payoff Planning Tools to create and optimize strategies for debt reduction |
Debt payoff tools and payoff planning are available through the user dashboard. | |
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Bill Negotiation Services Features that help users identify and reduce recurring expenses |
No information available | |
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Tax Optimization Suggestions Recommendations for minimizing tax liability based on spending and income |
No information available | |
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Financial Education Content Availability of educational resources about financial topics |
Financial literacy and education center available to users in-app. | |
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Subscription Tracking Identification and management of recurring subscription payments |
Recurring subscription identification is part of spending analysis tools. | |
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Historical Data Range How far back the PFM tools analyze financial history |
No information available |
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Credit Score Access Free access to credit score information within the platform |
Credit score and credit report access is available through partner integrations. | |
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Credit Score Simulator Tools that show how different actions might affect credit scores |
Simulated impact of financial actions on credit score is listed as a user tool. | |
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Loan Application Process Ability to apply for loans entirely through the digital platform |
Loans can be applied for and processed end-to-end digitally. | |
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Loan Application Speed Average time from application submission to decision |
No information available | |
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Pre-qualification Tools Features that assess eligibility for products without affecting credit score |
Eligibility and pre-qualification tools are part of the loan application interface. | |
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Loan Management Tools to view, manage, and make extra payments on existing loans |
Dashboard provides loan management, extra payment, and payoff capabilities. | |
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Credit Card Management Specialized tools for managing credit card accounts and rewards |
Credit card management (rewards, limits) included for integrated products. | |
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Interest Rate Comparison Features that compare available interest rates across products |
Rate comparison is a featured add-on or through integration. | |
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Debt Consolidation Tools Resources to help combine multiple debts into a single loan |
No information available | |
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Automatic Payment Options Setup for automatic loan or credit card payments |
Automatic payment setup for loans and credit cards is standard. | |
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Credit Limit Increase Requests Self-service tools to request higher limits on credit products |
Credit limit requests can be managed digitally for connected cards. | |
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Personalized Loan Offers Customized lending offers based on the customer's financial profile |
Personalized lending offers based on financial profile analytics. | |
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BNPL Integration Integration with Buy Now, Pay Later services for purchases |
Buy Now, Pay Later (BNPL) integrations available or supported for retail banking clients. |
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In-app Chat Support Live chat functionality directly within the platform |
In-app/live chat support is included as part of omnichannel service. | |
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AI Chatbot Assistance Automated conversational interface for answering questions and solving issues |
AI chatbot capabilities are highlighted in support documentation. | |
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Video Banking Ability to video conference with bank representatives |
Video banking (virtual appointments) is possible via the Digital One platform. | |
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Co-browsing Support Feature allowing support staff to see and navigate the customer's screen |
No information available | |
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Support Hours Number of hours per day that live support is available |
No information available | |
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Self-service Knowledge Base Searchable repository of help articles and guides |
Self-service searchable help center and FAQs included. | |
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Branch/ATM Locator Tools to find nearby physical banking locations |
Branch and ATM locator included in client and mobile apps. | |
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Appointment Scheduling Ability to schedule in-person or virtual meetings with bank staff |
Users are able to schedule appointments virtually or at branches via the app. | |
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Feedback Mechanisms Tools for customers to provide input on the banking experience |
Feedback tools and surveys for product improvement are present. | |
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Support Request Tracking System for monitoring the status of customer service inquiries |
Support requests can be tracked in-app. | |
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Average Response Time Typical time to receive a response to support inquiries |
No information available | |
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Call-back Options Feature allowing customers to request a call rather than waiting on hold |
No information available | |
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Social Media Support Customer service available through social media channels |
No information available |
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Open Banking API Availability of APIs that allow third-party developers to build on the platform |
Open banking APIs are available for third-party developer integration. | |
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External Account Aggregation Ability to pull in data from accounts at other financial institutions |
FIS Digital One supports data aggregation from other FIs. | |
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Number of API Endpoints Quantity of different API services available for integration |
No information available | |
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Digital Wallet Integration Support for Apple Pay, Google Pay, Samsung Pay, etc. |
Supports Apple Pay, Google Pay, Samsung Pay, etc., as digital wallet options. | |
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Personal Finance App Connectivity Direct integration with budgeting and financial planning apps |
Integrates with leading personal finance management (PFM) apps and services. | |
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Accounting Software Integration Ability to connect with QuickBooks, Xero, or other accounting systems |
Integrations with QuickBooks and Xero are available for business customers. | |
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eCommerce Platform Integration Built-in connections to online shopping and payment platforms |
eCommerce integration features are promoted for business/retail banking. | |
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Wearable Device Support Banking functionality on smartwatches or other wearable technology |
Wearable support (Apple Watch, WearOS) listed in platform capabilities. | |
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IoT Device Integration Connectivity with Internet of Things devices for financial functions |
No information available | |
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Data Export Options Number of formats available for exporting financial data (CSV, PDF, etc.) |
No information available | |
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Tax Software Integration Direct connection to tax preparation software |
Direct and indirect integrations with Intuit TurboTax and other leading tax packages. | |
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Developer Sandbox Testing environment for developers building on the platform |
Developer sandbox and test APIs are available for FIS partners. | |
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Webhook Support Ability to trigger automated actions in other systems based on banking events |
No information available |
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Personalized Insights AI-generated observations about spending patterns and financial behavior |
AI/ML-generated personalized financial insights are core selling points. | |
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Product Recommendations Personalized suggestions for financial products based on user profile |
Product personalization recommends cards, loans, and financial products based on user profile. | |
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Predictive Cash Flow AI forecasting of future account balances based on historical patterns |
Predictive cash flow available using transaction and trend analysis. | |
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Smart Savings Features AI-driven tools that automatically optimize savings based on spending patterns |
Smart savings rules and AI-optimized saving features marketed as part of the financial health toolkit. | |
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Voice Banking Assistant Natural language processing capabilities for voice-based banking |
Voice-based banking assistant available via integration (Alexa/Google Assistant). | |
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Personalized Interface Dynamic UI that adapts based on user behavior and preferences |
Adaptive UI with personalized widgets and layout per user. | |
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Financial Habit Recognition AI identification of patterns in financial behavior |
ML-powered analysis identifies user financial habits for coaching/nudges. | |
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Anomaly Detection AI systems that identify unusual transactions or patterns |
AI-driven anomaly/fraud detection promoted in platform information. | |
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Smart Notification System Contextual alerts based on user behavior and preferences |
Smart notification settings allow context-based alerts for activity and insights. | |
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Behavioral Analytics Capabilities Advanced analysis of user interactions to improve experience |
Behavioral analytics improve personalization and customer experience. | |
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Custom Financial Advice Personalized financial guidance based on individual circumstances |
Users receive tailored financial advice and actionable recommendations. | |
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Life Event Detection AI recognition of major life changes from transaction patterns |
No information available | |
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Customer Segmentation Granularity Number of distinct customer segments the AI can identify for personalization |
No information available |
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System Uptime Percentage of time the platform is operational and available |
No information available | |
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System Response Time Average time for the system to respond to user requests |
No information available | |
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Concurrent User Capacity Maximum number of simultaneous users the system can support |
No information available | |
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Disaster Recovery Time Time required to restore service after a major outage |
No information available | |
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Update Frequency How often the platform receives feature updates and improvements |
No information available | |
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Backward Compatibility Whether updates maintain compatibility with older devices and OS versions |
Documentation and support forums reference legacy device/OS support. | |
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Cloud-based Architecture Whether the platform uses cloud infrastructure versus on-premises |
Digital One is built on cloud-native architecture, per FIS technical documentation. | |
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Multi-region Deployment Platform operation across multiple geographic regions for redundancy |
Platform is deployed and supported across multiple US/EU/AU regions. | |
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Microservices Architecture Use of modular, independently deployable services |
Reference architecture and marketing cite adoption of microservices for the platform. | |
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Database Performance Speed of database queries and transactions |
No information available | |
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API Rate Limits Maximum number of API calls allowed per minute |
No information available | |
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Monitoring Coverage Percentage of system components under active monitoring |
No information available | |
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Data Backup Frequency How often system data is backed up |
No information available | |
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Automated Testing Coverage Percentage of codebase covered by automated tests |
No information available |
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