The financial services industry is in a period of rapid change and increased competition. Today, financial companies interact with customers through multiple delivery channels such as tellers, call centers, wireless platforms (WAP, SMS, PDAs), ATMs and the internet. These channels can be defined as applications with limited collaboration, user interface, application, and data integration. This disconnect between those channels can result in inconsistent customer service, information provision, transaction capabilities, and a varying total customer experience (TCE). Financial institutions need services and a standards-based framework to create an infrastructure that addresses the requirements of a comprehensive, multi-channel integration. And VeriBranch offers the perfect solution for this multi-channel integration need.