Consumer Banking

  1. Digital Banking
  2. Consumer Banking

Consumer banking solutions built to deepen relationships

Deliver curated personal experiences that transform every digital banking interaction into loyalty-building engagement, on an end-to-end platform that grows with you and the evolving needs of consumers.

At every step along an account holder’s journey, Q2 provides the flexibility necessary for financial institutions to deliver personal experiences that create lasting relationships. Our powerful consumer banking software solutions help you quickly increase adoption and retention to meet your institution’s specific goals. We do this on a scalable single platform that ensures account holder needs are continually met—today and tomorrow. 

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Digital banking for lifetime relationships

With the right ecosystem of products and innovation, consumer banking can fuel profitable growth by acquiring and keeping stronger, lasting relationships.

  • From data to insights

    With tools to turn data into insights that tell every account holder’s story, you can anticipate needs and engage in the moments that matter. Q2 consumer banking software uses advanced analytics and AI integration to help banks and credit unions anticipate the evolving needs of today’s account holders. 

  • Dynamic personal experiences

    Curate personal experiences on tailored dashboards with just-in-time education and relevant offers that improve lives. But there’s more to Q2 than just dashboards, including the power to provide real-time offers, contextual nudging, and financial wellness education.

  • A platform for growth

    Grow your consumer, SMB, and commercial banking with one platform that evolves with your strategy, and the people you serve. A single, scalable digital banking platform makes serving multiple market segments easy and efficient.

  • Fintech partner ecosystem

    Q2 Innovation Studio’s fintech partner ecosystem quickly clears a path to innovation with an open-architecture platform that empowers you to freely build integrated, targeted solutions for every stage in people’s lives. 

    This enables financial institutions to accelerate integrations with fintech partners and do more for the people you serve.

Dynamic Personalization

Experiences that automatically evolve with people

Turn up the power of data insights, at every interaction. Starting with personalized homepages, we're reimagining digital banking experiences that automatically evolve with people—without additional manual configuration or the need for more IT resources. It’s a fast track to meaningful engagement and loyalty. 

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Q2 Innovation Studio

Differentiate with targeted fintech solutions 

With Innovation Studio’s fintech partner ecosystem, quickly deliver pre-integrated products from trailblazing, vetted fintechs. Meet needs at every life stage—while maximizing revenue—with curated bundles like these and others: 

  • Financial literacy products for kids and family banking tools that build trust early
  • Charitable giving that seamlessly integrates with everyday banking transactions
  • Gen Z starter kits that meet the needs of younger consumers
  • Solutions for seniors that streamline retirement planning and provide financial reassurance later in life
  • Savings and investment hubs that make growing personal wealth simple
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Consumer-IS
Q2-IS-Consumer

Digital Onboarding

Simple, integrated onboarding

Lifetime relationships begin at onboarding. So, make account opening simple, but don’t stop there. Leverage every interaction to deepen engagement using Q2 solutions like direct deposit transfer and card switching, which make relationships stronger and deeper sooner. 

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Money Movement

Payments for every need

Our money movement capabilities keep funds flowing to meet account holders’ changing needs—from P2P to instant payments with Clearing House RTP® and Federal Reserve FedNowSM. The security and reliability built into our consumer banking software help financial institutions of any size compete with fintechs like Venmo and CashApp.

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Card Management

Easy, robust self service

Empower cardholders with online card management, including personalized controls, dispute tracking, digital card replacement, and other robust self-service features. You’ll improve the account holder experience while reducing support call volume and cost. 

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Contextual Personal Financial Management

A path to financial freedom

Pave the way to financial freedom with Q2 Contextual Personal Financial Management. Integrated into digital banking transactions, these tools go beyond convenience to improve lives in meaningful ways. A deposit transaction, for example, can prompt a message, offer, or tool to save or invest. All are fully integrated into every transaction, with prompts that help align with everyday banking activities. 

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Mobile-first Banking

24/7 Access for the modern consumer 

Q2 digital banking is built to be a mobile-first experience on smartphones and other connected devices. Its responsive interfaces and intuitive navigation make it easy to handle most transactions with just a few taps, including mobile check deposit, P2P payment, bill payment, or card management. 

Robust security features like multi-factor authentication, encryption, and biometric login build trust, while dynamic, personalized dashboards enhance experience. For younger consumers and across generations, Q2 empowers financial institutions to acquire and keep account holders for life 

Proven outcomes

  • > 1 in 10 One in 10 digital banking customers uses Q2.
  • $1.4B In 2023, Q2 prevented $1.4B in business banking check fraud.
  • >1M Q2 helped customers onboard 1M+ new accounts last year.
  • >150%+ We’ve improved FI digital marketing success by 150%+.

Resources

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Proven success

Financial services providers of all kinds trust Q2 to help accelerate growth, increase customer engagement, and strengthen loyalty. Read what some of them are saying about the impact of their Q2 partnership on business operations and account holder experience.  

  • Leading industry analyst IDC named Q2 a winner in the Omni-Experience Customer Engagement category for Axos Bank’s success with Q2 ClickSWITCH. 

    AXOS Bank
    Customer Engagement Winner
    Read story

  • “It says something that when we first went live with Q2, we were a little over $1.5B in assets, and now we’re $2.5B.”

    Justin Olson
    CIO
    Read story

  • “40 Percent of our Q2 Goals (personal financial wellness tool) users are Millennials, followed by 38 percent Gen Z. That’s 78 percent in the very demographic we’re trying to attract.”

    Lisa Fulton
    SVP and Chief Operations Officer
    Read story

  • “With Q2 Innovation Studio, we can go from inception to execution in six months or less—maybe even three months or less—which is warp speed in comparison to what we were doing in the past.”

    Tom Novak
    VP and Chief Deposits and Payments Officer
    Read story