international stage, through generic growth (including the build up of a large Indian development and support resource) and acquisitions, such as that of NetEconomy. The rebranding as Signature came in 2009, within a


reorganisation that was meant to provide a clearer picture for the market after so many acquisitions. Fiserv still has success with Signature in the US, alongside its other solutions for this market. For instance, in the second half of 2009, American Savings Bank, a Hawaii-based thrift with $5.2 billion in assets, took it as its new outsourced core system. This was instead of an outsourced core processing contract with Metavante which was coming up for renewal. In 2010, BankUnited in Florida and Central Bank of Kentucky selected Signature; in 2011, Signature was taken by Fulton Financial Corporation and Hudson Valley Bank. There have been some replacements of CBS/ICBS at home


and abroad. Vermont-based Merchants Bank signed in 2013 to move to Jack Henry’s Silverlake to replace a 23 year-old version of CBS. At the same time, there is always chopping and changing among US banks, so in the same year New Jersey- based Investors Bank, with $12.8 billion in assets, signed for Signature (albeit to replace a system that was also now in the Fiserv camp, the Open Solutions-derived TotalPlus) for its 100 retail branches. The functionality of Signature spans general ledger,


current and check accounts, savings accounts, fixed and term deposits, consumer and commercial loans, mortgages, unsecured lines of credit, credit and debit cards, investments,


User list Signature


Example users:


American Savings Bank Associated Bank-Corp BankUnited Broadway Bank Central Bank of Kentucky Corp Banca NY Desert Schools Federal CU Fulton Financial Corp Heartland Financial Hudson Valley Bank Investors Bank Israel Discount Bank MB Financial Metro Bank


Mutual of Omaha Old National Bank Principal Bank QCR Holdings TD Bank


Viewpoint Bank 86 US Financial Services Technology Market Report | www.ibsintelligence.com


document tracking and ATM and EFT and computer telephony integration. There is additional support for dealer commissioning and leasing. Also covered are collections; teller support; CRM, business process management and multi-channel, enterprise application integration with Fiserv and non-Fiserv cores via Aperio; operational data store via Data Warehouse for Signature, campaigns, analytics and predictive modelling via Aperio Campaign Manager and


Aperio Customer Analytics, customer interaction


optimisation via Aperio Interaction Optimizer, operational data storage and reporting via Data Warehouse for Signature, and document imaging and storage via Nautilus ECM for Signature. There is internet banking via Voyager for Signature and Corillian Online, mobile banking and payments via Mobile Money for Signature, AML and fraud management via Financial Crime Risk Management for Signature, cash and logistics via iCom from Fiserv and financial management via IPS Sendero KRM, Accurate, and Frontier, all from Fiserv. Business banking support includes treasury via third party system, Sierra from Sungard, which includes FX, cash and MM, FX options, fixed income, exchange traded products, commmodities and interest rate derivatives, real-time risk and liquidity management. Trade finance is via CSI Banktrade. In terms of channels, there is multi-channel banking and


business processes across branch, call center, internet, ATMs, IVR, kiosks, clearing exchanges and others via Aperio and the Communicator for Signature XML-based integration layer.


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