Digital Insight Delivers Multifactor Authentication to Its Large Base of Consumer and Business Internet Banking Clients

Provider Demonstrates Value of On-Demand Model for Financial Institutions and Millions of End Users

CALABASAS, Calif., Dec. 18 -- Digital Insight Corp. (NASDAQ:DGIN) (, the leading on-demand banking provider, announced today that it has successfully implemented its Multifactor Authentication solution in advance of the year-end deadline set by the Federal Financial Institutions Examination Council (FFIEC). Delivering Multifactor Authentication to its consumer Internet Banking and Business Banking clients as an additional and integral layer to Digital Insight's "Deep Defense" security environment demonstrates the value of the company's on-demand model to its more than 1,750 client financial institutions.

As the largest outsourced provider of Internet banking services in the United States, Digital Insight monitors the security and reliability of all its solutions, including interfaces to more than 100 core processing platforms and integrations with more than 175 third party technology providers, from within its own data center. This capability enables financial institutions to bring industry leading functionality, products, services and security to their end users with greater technological and economic benefits than the financial institution could achieve alone.

For example, according to the financial services consulting firm BetterBuyDesign, a $20 billion asset bank with 200,000 online bank accounts will pay approximately $700,000 to comply with the FFIEC guidelines for strong authentication, based on $1 to $3 per user in indirect costs such as consulting, executive time and auditing expenses, along with $170,000 to $385,000 in direct costs for adapting Web sites and support infrastructure.(1) Banks must also factor in the costs of licensing and managing the solutions.(2) In contrast, Digital Insight's clients have been able to implement Multifactor Authentication at a substantially reduced cost and effort.

"The ability to provide a full range of products and services in a secure online environment is vital to the service we provide our members and the growth of our credit union. It's one of the reasons we began working with Digital Insight in the first place," said VyStar President and CEO Terry West. "Digital Insight's ability to enhance the protection of our online channel in a manner that was minimally disruptive to our users is proof that Digital Insight is still the right choice."

"Knowing a trusted partner is handling the security of our online channel enables us to concentrate on operating our business without the constraints of managing in-house solutions," added BancorpSouth Senior Vice President Michael Lindsey. "The lengths Digital Insight went to in preparing us and our customers led to a successful overall experience."

In preparation for the arrival of Multifactor Authentication, Digital Insight provided its clients with a comprehensive package of educational and marketing services that included webcasts, online demos and content, in-branch materials and a complimentary Multifactor Authentication Kit containing risk assessment and compliance guidance surrounding the FFIEC guidelines from Digital Insight and the audit, tax and advisory firm, KPMG LLP.

Through Digital Insight, millions of consumers and thousands of businesses have access to online banking protected by a leading Multifactor Authentication solution. The solution stores a second factor of identity authentication on each user's PC to help prevent fraudsters from impersonating legitimate users at log-in. This greatly enhances the efficacy of and builds upon Digital Insight's overall security strategy.

Digital Insight approaches security by addressing four key areas: systems, partnerships, operations and architecture. Together these elements create what Digital Insight refers to as "Deep Defense", a layered methodology that is constantly evolving to address prevention, detection, correction and reporting of both potential and actual fraud.

"To compete and win, financial institutions must be able to provide online banking that is secure, robust and can scale to meet future market forces," said Digital Insight Chairman, President and CEO Jeff Stiefler. "Digital Insight continues to deliver mission-critical capabilities and solutions that enable financial institutions to grow their business while securing their users' peace of mind."

(1) In Search of 'Multi-factor Authentication', Per-user Estimates
Sidebar, Banking Strategies, July/August 2006.
(2) In Search of 'Multi-factor Authentication', Per-user Estimates
Sidebar, Banking Strategies, July/August 2006.

About Digital Insight

Digital Insight® Corporation (NASDAQ:DGIN) is the leading provider of on-demand banking services to mid-market banks and credit unions in the United States. The company's extensive portfolio of on-demand applications is hosted in its world-class data center and securely delivered via the Internet. Outsourcing the management of online banking services to Digital Insight empowers financial institutions to generate new sources of revenue, increase customer retention and realize increased cost efficiencies. For more information, visit

As of September 30, 2006, Digital Insight applications served more than 1,750 financial institutions, seven million consumer end users and 116,000 business end users.

Source: Digital Insight Corp.

Tobin Lee
Corporate Communications

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