Acumen™

What If You Could Transform Your Operation With Technology Designed for Today’s Forward-thinking Credit Unions?

Product

Product

Ready to drive the business initiatives of large, market-leading credit unions, Acumen from Fiserv is a proven solution, built from the ground up as a completely open platform using the latest Internet technologies. With unlimited scalability, realtime processing, global capabilities, and 360-degree member views, Acumen delivers unsurpassed flexibility your credit union cannot outgrow.

Combining state-of-the-art technologies

with decades of industry expertise,

Acumen is the newest account processing

solution available for large, forward-thinking

credit unions, and the latest addition to

the Fiserv portfolio of innovative

technology solutions.

Transform your credit union with the

innovative, revolutionary architecture of

Acumen. Move from being market-driven

to a market driver. Evolve from selling

products to delivering solutions. And shift

from targeting market segments to serving

strategic, growth-boosting segments.

Acumen arms progressive credit union

leaders with the timely, accurate

information they need to make informed

business decisions with keen judgment

and superior insight.

Acumen Benefits

Move at Market Speed Modern architecture increases business agility, providing unmatched flexibility to quickly adapt to evolving market needs.

Experience Premium Reliability State-of-the-art system offers premium reliability and redundancy.

Integrate Easily With Leading Solutions Internet standard architecture facilitates readily available interfaces to the robust Fiserv portfolio of value-add tools, plus streamlined connection to best-of-breed third-party solutions.

Grow Freely Today – and Tomorrow Cost-effective scalability allows you to expand your business with ease.

Simplify Support Staffing IT talent is affordable and readily available to support the system’s Internet standards-based architecture.

Access and Analyze Data With Ease Intuitive tools support ready access to your data while advanced analysis capabilities help you make informed business decisions.

Acumen is Best-in-Class Technology

Acumen represents the culmination of

unmatched industry expertise and real-

world deployment experience that only

Fiserv offers. Evolved from decades

of service to credit unions, Acumen is

the pure application of today’s best-in-

class, modern technologies. Already

deployed at billion dollar credit unions,

this proven solution employs the latest

Internet technologies and other advanced

capabilities to deliver superior flexibility

and performance to credit unions that

are ready to take their institution to the

next level.

Liberate Your Operation With Superior Customization Options

Acumen frees your credit union from

the delays of proprietary development

and expensive interface restrictions.

The state-of-the-art architecture of Acumen

leverages Web Services – the common

denominator of the future – providing

maximum flexibility to customize and

integrate the broadest set of solutions to

support your business needs. And the

use of the latest Internet standards –

without proprietary software – simplifies

staffing since an increasing number of

trained IT support professionals are

familiar with these standards.

The n-tiered open architecture of Acumen

includes separate tiers for presentation,

application, and data, so any tier can be

upgraded or replaced independently as

your needs change.

Experience 100 Percent Browser-based Ease of Use

Acumen is a true browser-based application.

With consistent, browser-based screens,

your staff will quickly become proficient

using the teller, lending, member services,

and back-office applications. Multiple

browsers can be opened simultaneously

to serve members and quickly address

business issues. And since the browser

connects directly to the core application,

no middleware is needed.

Automate Workflows to Ensure Consistency

Sophisticated workflow wizards guide your

staff through common tasks, like

opening new memberships, adding new

subaccounts, and originating loans – all with

intuitive navigation and automated tools that

ensure process consistency. And since the

same data is collected for every member,

information is readily available for reporting

and data mining.

Enjoy the freedom to

customize your operation

and experience industry-

leading efficiency.

Gain unlimited capacity

and drive growth through

increased member value.

For large credit unions ready to transform

their operation, Acumen is a cost-effective

engine for growth. Uniquely charter

agnostic, Acumen is capable of serving the

broadest range of financial institutions. The

solution has virtually no limits for account

balances, number of members, or the

number of accounts and sub-accounts it can

process. And the system’s browser-based

architecture allows economical and endless

expansion of volume.

Build Member Relationships

Turn every member encounter into a

relationship-building opportunity with

Acumen. Member Services for Acumen

provides a complete 360-degree view of

your relationship with each member. And

customizable cross-selling tools enable

your member-facing staff to suggest the

right product at the right time to the

right member.

Increase Teller Productivity

Your tellers will appreciate the intuitive

features of Teller Services for Acumen.

There are no transaction codes to memorize

and all transactions are processed in plain

language – which expedites training and

enables new tellers to become productive

faster. Nearly all teller transactions are

processed from a single screen and many

routine processes like cash dispensing and

wire originations can be fully automated,

giving tellers more time to interact with

each member.

Leverage Multi-currency Capabilities

With the global capabilities of Acumen, your

staff can serve members in the languages

and currencies you choose. Provide

extraordinary service to your members

by printing statements and receipts in the

language of their choice. The system’s

multiple currency capability also allows your

members to open accounts, write checks

and make loan payments in currency of

their choice.

Acumen is a Catalyst for Growth

Process Loans More Efficiently

The Acumen loan origination tools are

embedded in the core platform. With

Lending Services for Acumen your staff can

efficiently generate and administer loans

from beginning-to-end directly from the

system. Work queues provide a customized

“snapshot” of in-progress or completed

applications. These views can be

customized at the user level, where

outstanding applications can be reviewed

or assigned to other users for further action.

Online form and document generation in

standard PDF format facilitates consistent

documentation for your members, as well

as for audit purposes.

Access Realtime Business Data

Validate and enhance your go-to-market

strategies with realtime information.

Acumen stores informative dashboards

and tools, including member transaction

history and data from third-party sources,

in its relational database – giving you

ready access to realtime information. For

reporting, Acumen supports industry-

standard tools so you can easily customize

reports according your specific needs or

create ad hoc reports, all using current,

realtime financial data.

Reduce risk and ensure

business continuity with

21st century functionality.

The browser-based, fully

redundant Acumen solution

delivers realtime disaster

recovery capabilities,

which means rapid

recovery is measured in

minutes, not days.

With always-on processing and no-single-

point-of-failure reliability, plus sophisticated

security and fraud prevention capabilities,

the advanced functionality of Acumen

delivers premium performance and peace-

of-mind.

Ensure Business Continuity

Acumen supports business continuity

through near realtime disaster recovery

capabilities. Data is synchronized between

the production system and the disaster

recovery system. In the event a disaster

is declared, the user only needs to direct

their browser to the disaster recovery

system – and they continue operating

without disruption.

Operate Continuously

The advanced architecture of the Acumen

platform provides total hardware

redundancy to maximize availability in

support of your 24x7 operations. All

hardware can be configured with no

single point of failure. The stateless

architecture of Acumen provides for load

balanced application servers. Since teller,

lending, member services, and back-office

applications are not on dedicated servers,

your staff and members are not affected

if an application server fails. The load

balancer automatically shifts to the

remaining servers with no loss of data or

disruption in service. With the system’s

virtual day capability, stopping the system

for end-of-day is a thing of the past.

Protect Member Identity

Acumen features advanced technology to

help you meet security regulations, reduce

fraud risk and support a robust “know-your-

member” program by allowing multiple

identity documents for each member to

be captured and stored, while interfaces

to standard scanners, signature pads, and

cameras make the ID capture process fast,

easy and accurate.

Acumen is Reliable and Secure

Multi-lingual, Multi-currency

Language preference is configurable at the

employee level so your staff can work and

personalize member service, while multi-

currency accounts are easily denominated

in any currency.

Single Sign-on

Use one password with roles-based

clearance for accessing applications,

interfaced third-party solutions and any

system component.

Information Sliders

Deliver a higher level of service by

accessing useful information from the

Internet to pass on to your members.

Loan Wizard for Non-members

Underwrite loans for non-members easily

before a membership is opened.

Integrated Job Scheduler

Schedule, categorize, monitor and recover

tasks with ease.

Non-member Quick Recall

Mitigate risk, and monitor and improve

marketing initiatives by storing non-member

information directly on the system.

Key Indicators

Measure and categorize your members

with customized metrics that support loan

decisioning, risk definition and more.

Product Packaging and Targeting

Design boutique product packages to attract

a select segment of your members or

create broad-based services defined by your

market and strategy.

Innovative Features and Functions

Takeaway Financing

Entice members to move their loans to your

credit union by showing them on-screen

comparisons of your financing terms and

rates and their current competitive loans.

Unlimited Associates

Create any type of real or legal entity on the

system to support management reporting,

marketing initiatives, and risk management.

Custom Counters

Count the ways your members touch the

credit union every day through your various

service channels and design and promote

products and services that increase wallet

share and loyalty.

Online Exception Processing

Process your exceptions electronically in

realtime – no more paper exceptions.

Exception Queues

Save time and paper costs by viewing only

desired exception items electronically, then

automatically process these items.

Detailed Reporting

Use Acumen dashboards to drill down into

detailed, realtime information you need to

make informed business decisions.

e-Journals

Enable staff from different departments,

work groups and branch locations to

work effectively as a united team with

electronic roles-based communication and

automated workflows.

Discover a New Approach

If you’re a large credit union ready to take a

new approach to IT management and adopt

leading-edge technology that’s capable

of supporting your current and future

needs, Acumen is the foundation for your

transformation strategy. The industry’s new,

most technologically advanced account

processing system is available for in-house,

or service bureau delivery.

Connect With Us

For more information on Credit Union

Platforms from Fiserv, please contact us

at 800-872-7882 (U.S.), 800-937-7500

(Canada), or visit www.fiserv.com.

About Fiserv As the global leader in financial services technology, Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management, and Insights & Optimization, and leading the transformation of financial services technology to help our clients change the way financial services are delivered. Visit www.fiserv.com for a look at what’s next, right now.

Fiserv Solutions of Canada Inc.104-4585 Canada WayBurnaby, BC V5G 4L6 800-937-7500

Fiserv, Inc.255 Fiserv Drive Brookfield, WI 53045800-872-7882 262-879-5322

©2010 Fiserv, Inc. or its affiliates. Fiserv is a registered trademark.

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