Online Resources

All fields are required

First Name:
Last Name:
Company:
State:
Business Phone:
Business Email:
Industry:

Please note: We do not distribute your contact information to any third party.

Resource Center

We appreciate your interest in valuable information from Online Resources. Each topic is constructed to provide you with a comprehensive understanding of the consumers’ or business persons’ experience.

Please select the title of interest to view the full description. After making your selection(s), complete the form on the right to receive your information via email.

Key:
White Paper
Case Study

Electronic Payments & Presentment
- Presidential Election & Payments NEW!
  
  In this white paper, we’ll take a look at the impact of recent government actions on billing & payments, and how today’s Treasurers, VPs of Customer Service, and CIOs can harness the movement to drive improvements in customer satisfaction and cost savings.
- The Golden Age of Card Payments NEW!
  
  Given recent legislation, one can argue card acceptance for bill payment is entering a time when advancements are at their highest point. Will your organization enter the Golden Age? In this paper, we’ll discuss the impact of the Durbin Amendment on bill payment, and how organizations can take advantage of an unprecedented opportunity to raise customer satisfaction and cut costs.
- PURE Insurance Case Study: Delivering a 360-Degree Customer Experience
  
  PURE (Privilege Underwriters Reciprocal Exchange) offers a full electronic billing solution to its 8,000+ members, which includes the ability to make single payments, enroll for one-time or recurring payments, and view policies and bills electronically. Within three months of launch, PURE surpassed the industry standard adoption rate with more than 30 percent of members conducting transactions electronically.
- Surveying the ePayer Landscape
  
  This thought piece takes a close look at the different types of electronic payers that make up the ePayer Landscape. Billers experience the greatest rewards when their payment solution has components that address the behaviors, preferences and habits of the people who pay their bills through electronic channels.
- Kinecta Case Study: The Search for a Right-Fit Bill Payment Solution
  
  Online Resources PayAnyone^® Bill Payment delivers flexible configurations for online bill payment ranging from fully outsourced solutions (User Interface, Warehouse and Remittance Services) to pure remittance processing. All configurations leverage Online Resources' best-in-class payment operations infrastructure, which provide the industry's leading e-rates and lowest exception rates. This case study details the journey of one financial institution to find a right-fit bill payment solution, the pitfalls they encountered along the way and the immediate gains they received with Online Resources PayAnyone Bill Payment.
- Washington Gas Case Study: Enhancing Convenience and Choice for the Customer
  
  Washington Gas Light Company, delivering natural gas to more than one million residential, commercial and industrial customers, wanted to improve their electronic payment service to include a last-minute payment option. By leveraging Online Resources’ Service Fee, the utility reduced the number of payments arriving after the cut-off date—enhancing customer service and saving the time and costs associated with service disruptions.
- Miami-Dade County Case Study: Electronic Utility Payment Solutions
  
  Miami-Dade County, a major metropolitan utility serving more than 2 million customers, provides Online Resources’ electronic bill presentment and payment (EBPP) services by phone and online to their water and sewer customers. Today Miami-Dade County receives more than 40% of their payments electronically, and continues to see a growth rate of more than 5% per year.
- GMAC Mortgage Case Study: Managing Customer Payments Across Expanding Business Channels
  
  GMAC Mortgage Corporation, one of the nation’s largest residential mortgage servicers, provides more than 800,000 customers with Online Resources’ bill pay services. Today GMAC Mortgage receives more than 59% of payments electronically, working with Online Resources’ industry-leading marketing services to exceed internal adoption goals.
- Healthcare Case Study: Enabling Dynamic Growth Through Integrated Payment Solutions
  
  A leading healthcare services company met the challenge to launch a new electronic payment system in a timeframe of just 30 days. Today the company provides Online Resources' electronic bill presentment and payment (EBPP) services to their consumer and corporate customers, processing more than 200,000 payments per month electronically.
- The Drivers of Bill Pay Adoption
  
  For community banks and credit unions, encouraging consumers to pay all their bills at your website is an important step in convincing them to choose you as their primary financial institution. As such, it is the key to building more extensive and more profitable relationships and competing successfully with other financial institutions. In order to provide banks and credit unions with the information they need to increase bill pay adoption, Online Resources conducted a survey of 14,971 consumers who bank online at community banks and credit unions.
- Consumer Payments Automation: Paper or Plastic?
  
  This Electronic Payments Solutions Buyer's Guide from PayStream Advisors is designed to help billers address many of the questions they face regarding their current payments offering. Targeted to financial managers who want to explore opportunities to improve consumer billing and payments, the report provides a comprehensive picture of trends altering the payment landscape.
Online & Mobile Banking
- Smart Financial
  
  Learn how one credit union supplemented traditional direct mail with targeted online messaging to achieve greater campaign results and an outstanding return on their marketing investment.
- Financial Institutions Preserve Overdraft Revenue
  
  Discover how Online Resources’ custom Overdraft Protection Program made it easy for our clients to communicate overdraft changes to their consumers, and secure critical opt-ins.
- Mobilizing Financial Institutions for Haitian Relief
  
  On January 12, 2010 a magnitude 7.0 earthquake ripped through Port-au-Prince, the capital of Haiti. In just seconds, 250,000 houses collapsed or were severely damaged, and more than a million people found themselves sleeping in the streets. The people of Haiti needed help. Within 48 hours, Online Resources utilized its unique online messaging engine to provide a secure, easy way for our clients’ online bill pay users to ultimately donate more than $315,000 to the Red Cross. Learn how.
- JAX Federal Credit Union Case Study: Delivering Results With a Shared Vision for Success
  
  JAX Federal Credit Union knew they needed a fresh approach: a single channel partner who could increase member usage of online services and free up internal IT resources to strengthen profitability. Now, discover the details behind the best-of-suite services JAXFCU employed to turn their vision of a tightly integrated online channel into a reality, and the direct benefits received from it.
- First Command Bank Case Study: The Power of Integrated Consumer Management & Marketing
  
  First Command Bank chose to leverage the integrated cross-selling feature of its Online Resources’ Internet banking platform to meet the task of communicating a marketing program to the bank’s customers. In this case study, find out how the bank successfully leveraged its online channel capabilities to receive impactful results with a targeted consumer marketing effort.
- TwinStar Credit Union Case Study: Building & Deepening Trusted Relationships
  
  TwinStar Credit Union faced a challenge shared by most financial institutions: how do you cultivate deeper, more enduring relationships with existing consumers who increasingly prefer to conduct their financial lives online? In this case study learn how TwinStar tackled this question with a unique combination of technology and personalization.
- Online Banking Solutions: Finding the Right Match
  
  Many financial institutions outsource their online banking and bill payment applications. If your institution is in this group, the choice of delivery method is critical. Careful consideration is necessary to help ensure that your choice reflects your position in your marketplace, your expectations of the Internet channel and your strategy for growth and profitability.
- Managing a Smooth Conversion
  
  Whether you're planning to convert your Internet banking or bill payment service now or in the future, this guide will help you avoid potential pitfalls and difficulties that can arise without thorough planning.
- Realizing a Profitable Internet Channel
  
  This paper describes how financial institutions can evaluate the profitability of their Internet channels. It includes several variables that impact profitability, using conservative assumptions based on industry averages that were used in a Return on Investment (ROI) model developed by Online Resources.
- Customer Relationship Management for Community Financial Institutions
  
  Beyond the buzzwords, this white paper prepared by our marketing experts, outlines the framework of an online CRM model. See how that model gives financial institutions the tools and expertise they need to compete effectively.
- Preparing for the Mobile Banking Era
  
  The phenomenal growth of cell phone usage in the past decade has surprised even the experts. By the end of 2006, vendors had shipped 1.019 billion units worldwide, according to IDC Worldwide Quarterly Mobile Phone Tracker. At this rate, 32 cell phones are being added to global wireless networks each second.
  
  But it is not simply the remarkable spread of mobile phones that should make banks and credit unions sit up and take notice. The fact is there were more than four times as many cell phones sold in 2006 as personal computers, according to IDC. These cell phones are powerful and sophisticated. Nearly all phones sold today can handle text-based messaging and 88% are Web-enabled.
- The Mobile Banking Era—2009 Outlook
  
  Mobile banking has begun to transform the way banking consumers interact with their financial institutions in the U.S.. From behind their mobile handsets consumers now experience easy to use, easy to find and secure solutions for banking on the go. Find out what's new in mobile banking in 2009 and beyond.
- Consumer Lifecycle Success
  
  Consumer usage of online banking and bill payment is proven to produce more than 20% lifts in account profitability and significantly reduce the likelihood of consumer attrition. Learn more about how to focus your strategic planning to maximize the full potential of your online channel.
Web-Based Debt Collection
- Short on Money, Will Your Customers Pay Your Bill?
  
  Third in the consumer delinquency series, this December, 2008, report looks at where bills across multiple industries rank in the consumer's delinquency stack.
- Payment Delinquencies Spread Across Billing Industries & Household Demographics
  
  Second in the consumer delinquency series, this May, 2008, report looks at the changes to Americans’ financial stability and the effects those changes are having on bill payment patterns.
- Payment Delinquencies Spanning All Industries
  
  First in a series of reports on consumer delinquency behavior, this December, 2007, report discusses the results of a survey of consumers and billers regarding the effect of the mortgage crisis on bill payment and collection patterns.
- Virtual Collection Agent™ 2006 Benchmarking Results
  
  A 2006 benchmark study of four top-twenty card issuers using the Virtual Collection Agent looks at the cost savings of web-based collections, as well adoption and payment trends.
- Virtual Collection Agent™ 2005 Champion-Challenger Results
  
  A Champion-Challenger report features a Top 3 card issuer, examining cumulative flow rates, loss avoidance and operational savings.