Open Solutions DNA™

Open Solutions DNA is a relational database core processing solution that gives banks a competitive edge in operational efficiency and relationship management. DNA is ideal for highly customer-centric banks as it presents a customer-level view rather than the traditional account-level view, enabling bankers to manage total customer relationships—not just individual accounts.

The Technology Differentiator
Simply put, our technology is different. When we started Open Solutions in 1992, we started with the premise that a bank's ability to compete is only as strong as its weakest link. For many banks, the legacy core system was the weak link. It forced them to do business in predictable, reactive ways. It couldn't support creative approaches to the market, niche market specialization, speed to market with new products and services, or fundamental changes in business strategy.

Today, it's a different story. Because of the open architecture and relational database technology of DNA, your bank can have the functionality to compete with larger institutions without having to maintain multiple systems. And because our technology accommodates the business needs of all types of financial institutions—commercial banks, savings banks, thrifts, bankers banks, and credit unions—you benefit from unprecedented flexibility in how you address your market.

With DNA, you're never constrained from pursuing a different or more diversified business strategy. If you're a thrift today and you want to migrate to a bank charter at some point in the future, no problem. If you're a commercial bank that might need to develop a larger retail deposit base to fund a growing loan portfolio, we've got you covered. The DNA banking platform is flexible enough to accommodate your needs today and tomorrow. You'll never have to change your core system just to support a change in business strategy. That's why the underlying architecture matters and why it can be a competitive differentiator for your bank.

Single Core, Single Platform
DNA gives banks a competitive edge in operational efficiency and relationship management. Designed from the ground up as a single integrated system, this innovative platform features:

• Single deposit and lending system
• Core-based teller and platform
• Online signature and photo identification
• Bank-defined drop-down menus
• Real-time creation and control of unlimited numbers of products and related rate screens
• Dynamic messaging to employees, branches, and customers

The platform's open relational database technology also allows easy integration to Open Solutions' industry-leading suite of ancillary products as well as third-party solutions.

A Better Outsourced Solution for Relationship-Focused Banks
In DNA, Open Solutions has developed a stable and flexible banking platform capable of supporting both retail and commercial business in a truly customer-focused fashion. Backed by Open Solutions' exceptional support and service, DNA is the enterprise-wide solution you need to execute your bank's business plan.

The American Bankers Association, through its subsidiary the Corporation for American Banking, endorses the check imaging and in-house and outsourced core processing solutions provided by Open Solutions as recommended solutions for community banks. This endorsement provides further assurance that our contemporary solutions and service delivery have been thoroughly researched, tested, and approved by bankers to support the industry's dynamic needs.