Digital Banking Overview

Q2 Digital Banking Platform for Consumer, SMB, and Commercial

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One digital banking platform for every account holder segment

Financial institutions need just one platform to serve consumers, small businesses, and commercial systems. Q2's digital banking platform unifies all three segments with shared infrastructure, configurable features, and integrated fintech partners.

Consumer banking

Personalized, differentiated banking that lets you grow with your account holders.

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SMB banking

Targeted SMB digital banking solutions that put you at the center of how account holders run their businesses.

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Commercial banking

Robust commercial functionality, proven by the biggest banks and businesses—wrapped in a modern, mobile UI.

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A single platform that lets you

  • Offer rich functionality

    for every segment

  • Understand account holders

    and serve them through data

  • Match features to the needs

    of each account holder

  • Manage everything in one place

    through a single, unified back office

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Meet the needs of your account holders

Use behavioral data to serve account holders with only the features, products, and experiences that match their specific needs at every stage of their journeys. 

The robust personalization offered with Q2’s digital banking platform means you can deliver the most relevant financial services and expertise. For example, when recent homebuyers can be targeted with prompts to set savings goals, you have the power to boost loyalty, engagement, deposits, and retention.

 

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1,000+ Back-end integrations across cores and fintechs

We’ve spent decades building integrations to the systems our financial institution customers rely on to run their businesses. So, you get the flexibility to choose the products and partners that suit you best.


  • +1K total back-end integrations

  • Integration Framework

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  • Access

    to the best fintechs in the market

    >35% reduction in deployment time

  • Freedom

    to change core processors with confidence

    25+ supported cores

  • Optionality

    to bring or choose your vendors

    100+ pre-integrated fintech partners

A platform where everyone can build

The Q2 Digital Banking Platform is built with an open architecture that lets our customers, certified development partners, and trailblazing fintechs build and integrate freely. This means you can work with the collaborators you choose to build solutions that are the best possible fit for your institution.

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Launch fintech solutions at lightning speed

Using our open platform, we curate a broad selection of best-in-class, pre-integrated fintech solutions that financial institutions of any size can add to digital banking in just weeks.

  • Chatbots to streamline experiences and improve responsiveness
  • Financial wellness to help account holders budget, save, and plan
  • Credit scoring that’s accurate and easily accessible
  • Mortgage lending that delivers faster, better service
  • Payments options that are quick and convenient
  • Accounting services to keep back-office functions running smoothly
  • HR and payroll services business customers need
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Q2 Integrates With

  • agent iq
  • larky
  • monit-white
  • modernFI
  • stablecore-white
  • payrecs
  • alacriti
  • plaid-white
  • legalzoom
  • bloom-credit-white
  • array
  • savvymoney-white-1
  • greenlight-white
  • intuit-white
  • threatmark
  • entersekt-1
  • coconut-white
  • carefull-white
  • glide-white

  • Deliver innovation in weeks

    not months or years

  • Grow beyond traditional banking

    with a robust fintech ecosystem

  • Build unique experiences

    for your institution, market, and account holder needs

Data-driven learning that helps your business

  • Improve targeting of marketing and messages
  • Protect valuable commercial accounts
  • Price your products to increase profitability
  • Personalize based on behavior
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Secure, available, and always up to date

It’s all supported by a tiered architecture that keeps you secure, available, and always up to date.

Explore platform architecture

Multi-layered security

Q2 utilizes multi-layer security and a cybersecurity mesh architecture (CSMA) to offer around-the-clock protection for you and your account holders.

Distributed cloud

Our distributed cloud hosting approach gives you the best of both worlds: the speed and continuous upgrades of public cloud with the security and resiliency of private cloud.

Seamless upgrades

We deliver continuous, seamless back-end upgrades so your environment is always updated, but we let you decide when to push account-holder-facing updates.

FAQs

Why does a unified digital banking platform matter?

The complexity of traditional banking can be overwhelming not only for account holders but also for the institutions that serve them.

Q2’s single unified digital banking platform simplifies and delivers all the functionality financial institutions and account holders need. With our robust integrations and features, we help financial institutions reduce complexity and keep costs low. You’ll strengthen your brand and build the trust necessary to develop lifetime relationships. 

How does the Q2 Digital Banking Platform help financial institutions?

Our digital banking platform helps hundreds of financial institutions streamline and enhance their operations. We help grow deposits, loans, and engagement, while reducing fraud and boosting brand loyalty.