Solutions

The Problem

Smaller financial institutions are losing high net worth customers to larger competitors that have invested in robust self-service technologies like Internet banking, Customer Relationship Management (CRM) and advanced speech applications. In an effort to remain competitive, while maintaining their independence, these smaller institutions are being forced to invest in new self-service solutions. Beyond cost issues, difficulties lie in the effective management of these solutions, and multiple vendors are required for even the most basic capabilities.

The Solution, My Banker™

Within the financial services market, Harborlight’s multi-channel self-service applications are controlled by My Banker, an innovative multi-modality manager designed specifically for Internet, telephone and wireless channels. With My Banker now even the smallest institutions can afford to offer their customers the most capable self-service solutions, all in one common and easily managed hosted platform.

Current Solutions

It’s well understood that the largest institutions often have proprietary self-service applications that are not available for standard purchase. In most cases, these institutions have technology staffs larger than the average bank, with a complimentary budget that’s staggering by most accounts. The applications currently available to the average institution are silos of channel-centric technology which in return make them impossible to integrate and difficult to manage. These legacy vendors have imposed compromises and limitations while representing large capital expenses with ongoing maintenance fees.

Harborlight’s Solutions

Harborlight’s My Banker is a hosted platform designed to address the self-service needs of Internet, telephone and wireless banking customers. Our pre-package applications allow you to specify your unique combination of solutions with pricing more comparable to “off-the-shelf” applications. And, Harborlight’s voice activated natural language interface enables voice-based communication that offers greater functionality and new applications over traditional touch-tone systems.

Unlike other competitive products, our solutions are designed specifically to perform financial based transactions, therefore offering better functionality, performance and security over generalized applications. The platform’s integrated architecture allows the customer to choose the best channels and related functions to address their personal banking requirements, while the robust reporting capabilities offer customer intelligence that helps banks and credit unions better understand their customers.