Layer Five designed our Online Banking solutions to meet the changing ways your customers or members manage their money. Now you can offer the latest online technology to increase satisfaction and loyalty.


The online banking experience has changed how commercial and retail customers judge and value their financial institution. We enable you to offer a robust online business banking solution critical for your success. You’ll also find enhanced functionality to meet the growing needs of consumers who prefer online banking to branch locations.


  • User-friendly online banking platform makes it easy for businesses and consumers to manage all their banking needs, including online bill payments and personal financial management, including online bill pay, cash management for business, and personal financial management for consumers
  • Complete implementation and conversion support, plus a dedicated account executive to ensure the solution runs smoothly
  • Proprietary multi-layered security solutions integrated within the online banking platform
  • Our proven solution that provides a consistently reliable up-time, so customers or members can bank anywhere and anytime they want
  • Significant cost savings on non-users with our unique active-user pricing model

Layer Five Consumer and Business Banking solutions empower financial institutions to be more competitive in developing lasting customer relationships and attracting new, highly sought-after customer segments


Benefits for Financial Institutions

Layer Five provides Online Banking solutions to more financial institutions around the country. We continually evolve our Online Banking by bundling products, like online checking accounts with the new technologies and value-added services that your customers expect.

  • Intuitive user interface for online banking
  • Simpler integration of online bank accounts
  • Stronger fraud protection
  • An industry leader in online banking solutions expertise
  • Experienced technical support

Key Components

  • 24/7 Internet access for balance inquiries, account reconciliation, transfers, and comprehensive transaction history reports
  • Personal Financial Manager (PFM) tool that enables consumers to aggregate their accounts from any financial institution for expense tracking, budgeting and debt management
  • Online bill management services for your users to securely receive, pay and manage all of their bills online with guaranteed fraud protection and payment delivery
  • Hosted IVR that allows you to quickly build, deploy and manage a customer-friendly phone banking solution at a fraction of the cost of an on-premise solution
  • Online deposit application that lets your customers or members easily open accounts online within minutes without visiting a branch location
  • Single sign-on and integrated cash management services provide scalable solutions for your business customers

Mobile Banking Solutions

In response to advancements in smart phone technology and consumers’ continued growth in mobile adoption, financial institutions of all sizes and within all markets are including mobile banking as a key requirement in their growth strategies. The First Data mBanking solution allows financial institutions to establish a competitive presence, while extending the reach and convenience of your financial services.

  • Build loyalty with your existing client base; retain and attract profitable customers
  • Cost-effective solution for entering the highly desirable mobile market
  • Scalable design allows it to growth with you and the market
  • Experience ongoing savings with per-transaction costs that are lower than ATM, IVR, call center and in-branch service

Key Components

  • End-user multi-mode account interaction via apps (phone and tablet), mobile web and text banking
  • Balance inquiries, fund transfers, pay bills, deposit checks and more
  • mAnalytics reporting provides usage data for your entire mBanking program (optional)
  • Integrated technology delivers secure, multi-factor authentication as well as account inactivity time-out
  • Customizable branding on the user interface ensures a consistent experience across customer interactions
  • Access to marketing materials and user demo video

Get In Touch

  • 28b Flaming Avenue, Rumuomasi Port Harcourt, Rivers State Nigeria
  • +234 84669612, +234 84558505 +234 813 972 2228, +234 811 343 0000
  • Mon - Fri : 8am to 5pm