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To visit the S1 Corp website, click on www.s1.com 

S1 Corporation Announces First Annual
One-View Customer Excellence Awards
Recipients at Catalyst 2003

First Niagara, Eastern Financial Florida Credit Union
and Farm Bureau Bank Honored for Innovative Use
of Technology to Achieve Significant Business Results

ATLANTA--(BUSINESS WIRE)--Aug. 26, 2003--S1 Corporation (Nasdaq: SONE), a leading global provider of Enterprise solutions for the financial services industry, today announced the winners of its first annual One View Customer Excellence Awards at the Company's Catalyst customer forum in Orlando, Florida. Judged by a panel comprised of industry experts hailing from top organizations including IBM, Forrester Research, Celent Communications and BAI, the awards were presented to institutions that have demonstrably excelled in implementing S1 solutions to meet business objectives and improve operations.

First Niagara Bank was recognized with the S1 One View Excellence Award for achieving immediate bottom line results across 39 branches and its telephone service center in upstate New York, following the 2002 implementation of the S1 Personal Banking and S1 Business Banking solutions. Leveraging the S1 Enterprise Platform, First Niagara has been empowered to establish one common infrastructure for its consumer and commercial Web banking operations. The Lockport, New York-based subsidiary of First Niagara Financial Group - a $3.6 billion financial institution - has achieved a higher level of customer service and retention, a reduction in operating costs, and improved bank revenues as a result of using S1's solutions.

"First Niagara is honored to accept this award, and we thank the judges for deeming our efforts in this area worthy of such outstanding recognition," said Frank J. Polino, senior vice president and chief information officer for First Niagara Financial Group. "I can state unequivocally that we are in better shape using S1's Enterprise Platform for our Web channel than at any other time in our four-year history of delivering customer-facing solutions over the Internet. EFT costs have been reduced and retention rates are higher. In addition, our customers are benefiting from real-time access to their data and synchronization with other delivery channels, providing First Niagara with a competitive advantage in our primary markets for the past 12 months."

S1's Technology Innovators Award was received by Eastern Financial Florida Credit Union (EFFCU) from Miramar, Florida. The largest credit union in South Florida, EFFCU has more than $1.7 billion in assets and 180,000 members nationwide. The institution implemented S1 Teller, S1 Banking Call Center and the S1 Sales and Service Platform, to achieve a more robust and efficient branch system. EFFCU has demonstrated excellence in innovation using S1's Branch Automation Solutions to achieve a heightened standard of customer service and build stronger member loyalty. The credit union has enjoyed improved productivity in its branch operation, increased accuracy with transaction processing, and time and cost reductions to accomplish daily branch and teller tasks.

"Our previous teller and platform solution offered very little with regard to providing information about our members' overall relationship with the credit union," said Sharon St. Clair, vice president and chief information officer at EFFCU. "We were looking for a solution that would provide robust member information and contact history, as well as help our staff understand what products and services would most benefit the members. The S1 solution enables that personal touch, and builds member confidence, trust and loyalty."

Farm Bureau Bank, with its operation center located in San Antonio, Texas, received S1's Customer Interaction Award for achievements in supporting its primary customer interaction channels - Internet and phone - with S1's IBS and Voice solutions. Farm Bureau has more than $350 million in assets and is chartered to serve more than 4 million member families utilizing its banking services in 42 states. Farm Bureau has leveraged the applications to achieve a demonstrated increase in member adoption, with an annual average growth rate of 96 percent for new online banking users. S1's applications delivered a fully functional, scalable solution with an initial low cost of entry to support Farm Bureau's "direct bank" operational infrastructure. Since its customers are not served through physical branches, the institution utilizes the accessibility and integration of customer information delivered with S1's solutions, enabling the bank to provide a secure and flexible remote banking operation and personalized customer service.

"At the bank's inception, we required technology that would enable us to level the playing field with larger retail banking institutions," said Mark Cromer, senior vice president of operations at Farm Bureau Bank. "The S1 solutions have enabled us to set up and maintain a banking relationship with our customers that rivals that of local banks, delivering transfers and other functionality with the accessibility and ease of the Web. By offering exceptional and personalized service, we are now in a position to compete with other non-direct banks in our target areas."

"S1 was extremely pleased with the number of exemplary candidates we received for the One View Customer Excellence Awards Program," said Jaime Ellertson, chief executive officer of S1 Corporation. "We're honored to select First Niagara, EFFCU and Farm Bureau Bank for their outstanding innovation. Recognizing the varying ways in which S1 solutions can help organizations to improve customer service, build loyalty and increase revenue-generation opportunities, this awards program is designed to spotlight the organizations leading the pack with innovative technology strategies. We are excited to continue delivering leading solutions to these respected financial institutions, and help them to achieve real business results."

About S1 Corporation
S1 Corporation (Nasdaq: SONE) is a leading global provider of enterprise software solutions for more than 4,000 banks, credit unions and insurance providers around the world. Comprised of applications that address virtually every market segment and delivery channel, S1 solutions help integrate and optimize an institution's entire front office, resulting in increased operational efficiencies, revenue opportunities and overall customer satisfaction. S1 is the only provider with the proven experience, breadth of products and financial strength to empower financial services companies' enterprise strategies. Additional information about S1 is available at www.s1.com.

Contacts:
S1 Corporation, Atlanta
Investor Relations
Matt Hale, 404-923-3500
matt.hale@s1.com
or
SHIFT Communications for S1 Corporation
Brian Gendron, 617-681-1226
bgendron@shiftcomm.com