S1 Corp. believes its mobile-banking application designed for Apple Inc.'s iPhone will help community banks and credit unions reinforce their brands by having their logos included among the potential applications customers can use on their phones.

Norcross, Ga.-based S1 can customize its mobile-banking application with a community bank or credit union's logo and colors. Lubbock, Texas-based American State Bank is testing the application with customers and staff, according to Jon Higby, S1 senior product manager for mobile banking.

"As soon as we're comfortable with everything working right, we'll submit the application to Apple for approval," Higby tells CardLine.

The approval process can take from two days and two weeks, he says. American State customers during the test can use the application to check account balances, make funds transfers between accounts, pay bills, report a stolen card and locate ATMs.

The growing popularity of the iPhone sparked S1's interest to provide a mobile-banking application for a customer base that includes community banks and credit unions.

"As a software provider, we have to be innovative on behalf of the community banks and credit unions we serve," Baron Unbehagen, S1 senior vice president of sales and marketing, tells CardLine.

The application is "one of the few opportunities [our customers] have to brand themselves on a device that people can sometimes use almost two hours a day," he says.

American State believes the application is ideal for its customers because many fall into the Generation Y category, which are individuals born between 1976 and 2000, according to Higby. Lubbock is home to Texas A&M University.

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