DWL AND EONTEC ANNOUNCE ALLIANCE TO DELIVER COMPREHENSIVE CUSTOMER BANKING SOLUTIONS

Industry leaders will jointly market truly customer-centric multi-channel
banking solutions to financial institutions

DUBLIN & ATLANTA, October 1, 2003 - DWL, the leader in Enterprise Business Services software, and Eontec, the leading global provider of multi-channel
customer banking solutions, today announced they will jointly offer customer-centric, multi-channel solutions to the financial services industry. Eontec and DWL will offer the industry's first J2EE(tm)-based, services-oriented architecture to provide a single version of customer truth and "once and done" customer processing to all channels. The joint solution will enable banks to improve customer service and sales productivity through call centre, Internet and branch networks.

The Eontec product comprises a suite of modular-based customer banking solutions including Branch, e-Banking, Call Centre, Multi-Channel Lending and Corporate Payments. Eontec solutions allow all customer interactions to be consistent, efficient and personalized at every touch point. They also enable faster delivery of additional Banking Services to each channel. Each solution combines multi-channel Banking Services, based on process-driven Components and a real-time knowledge of the customer. Together with DWL Customer, serving as the enterprise-wide single source of customer information and interaction history, banks can deliver a higher level of customer service and truly customer-centric processes at every customer interaction point.

"The alliance between DWL and Eontec brings together two of IBM's important
business partners in banking. Their solutions are based on services-oriented
architecture and have proven their value with many of our largest and most-demanding customers," said Mark Greene, general manager, IBM Global Banking. "We look forward to leveraging the relationship between DWL and Eontec to support our own work with the financial services industry."

John Baumstark, president and CEO, DWL says: "An operationally driven view of the customer lets financial services organisations react intelligently to customer servicing issues, product offerings and future customers needs by having the entire relationship view in real-time. Operational customer data
integration is best achieved by implementing an enterprise customer hub that
remains agnostic to all other systems and is services-oriented. This enables
faster integration and better leverages the best-in-breed functionality that
leading vendors in multi-channel delivery technology, like Eontec, deliver to financial services companies."

Patrick Brazel, CEO at Eontec comments: "We are witnessing a paradigm shift in the financial services industry in which banks need smarter banking solutions to help them deliver their promises to their customers in order to remain competitive in today's banking arena. This alliance with DWL provides an exciting opportunity for banks to take advantage of a complete multi-channel solution. Not only will it enable banks to deliver a superior service, it will empower them to offer additional banking services and products more rapidly to customers in each channel."

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