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Business

INTELLIGENT ENVIRONMENTS: CONNECTING MONEY TO PEOPLE®

Published by Gbaf News

Posted on September 30, 2013

6 min read

· Last updated: December 5, 2018

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Nature of Business:

INTELLIGENT ENVIRONMENTS

INTELLIGENT ENVIRONMENTS

Omnichannel Digital Banking Explained

It’s not about mobile banking, tablet banking or online banking, financial consumers do not use a single channel preference; they want to interact through any and all digital channels.  We, Intelligent Environments, develop Interact™ a Digital Banking platform which enables easy financial transactions and servicing across all digital channels, from apps to browsers, tablets to phablets.

For over 15 years we have been at the heart of the digital operations of a number of tier one financial institutions, retailers and telecoms providers, including Lloyds TSB Group, The Home Retail Group and O2. We work closely with our clients to ensure their customers receive an exceptional, optimised and consistent digital banking experience, regardless of the number and type of channels being used.

Capabilities of Interact™ Platform

Interact™ provides the capability for financial consumers to apply for new products and manage their relationship; including servicing their accounts, making enquiries, executing transactions or receiving marketing campaigns. Additionally our clients can be assured that all their digital banking servicing is delivered to a PCI DSS Level security standard.

David Webber

David Webber

Location:
Surrey, UK

Markets:
International client base

Contact Information:
David Webber, Managing Director
0208 614 9822

Key Executives
David Carman – Executive Chairman
David Webber – Managing Director
Clayton Locke – Chief Technology Officer
Philip Andrew – Head of Client Delivery
Fiona Tee – Chief Financial Officer
Jerry Mulle – Head of Strategic Partnerships and Marketing
Liz Fretwell – Sales Director

Products/Services

Interact™

Device and Channel Compatibility

Interact™ delivers via any channel and any device – iOS/Android smart phones and tablets, browsers, desktops, smart TVs, social networks and beyond.  This means our clients will deliver omni-channel interactivity through just the one platform, plus our clients can manage their customers through a single dedicated management console – the Interact Hub™.

Customizable User Interfaces for Brands

As well as being a valuable tool for financial consumers, Interact™ is a key touch point for the brand. That’s why we offer a suite of user interface designs that allow our clients to configure the software to meet their customers’ exact demands whilst accommodating a unique brand identity.  Additionally by removing the need for bespoke software, offering a single point solution, and working with existing back office systems, Interact™ will significantly reduce operational costs.

Furthermore, Interact’s future-proof design will adapt to operating system upgrades and new devices – ensuring our clients product portfolios, and eco system, evolve effortlessly.

Introducing The Digital Banking Club

The Digital Banking Club
The Digital Banking Club was established in January 2013 by Intelligent Environments, in association with the Retail Banker International, Electronic Payments International and the Cards International publications. The Digital Banking Club is the place to go for the latest news, opinions and information on all things digital financial services focused.

The heart of The Digital Banking Club is the microsite (www.thedigitalbankingclub.com) where content is updated daily and contains news items, feeds, blogs, research and papers.

In addition to the microsite, The Digital Banking Club members receive invitations to Webinars as well Live Debates. Current and previous speakers include BSkyB, ING, MoneySuperMarket.com, The Royal Bank of Scotland, Santander, FIS Global, The Payments Council and the Fair Banking Association.

The Digital Banking Club is free to join (but you do need to register) and welcomes members from all areas of the industry and current members include banks, building societies, retailers, telcos, analysts, consulting firms, technology providers and industry commentators.

Nature of Business:

INTELLIGENT ENVIRONMENTS

INTELLIGENT ENVIRONMENTS

It’s not about mobile banking, tablet banking or online banking, financial consumers do not use a single channel preference; they want to interact through any and all digital channels.  We, Intelligent Environments, develop Interact™ a Digital Banking platform which enables easy financial transactions and servicing across all digital channels, from apps to browsers, tablets to phablets.

For over 15 years we have been at the heart of the digital operations of a number of tier one financial institutions, retailers and telecoms providers, including Lloyds TSB Group, The Home Retail Group and O2. We work closely with our clients to ensure their customers receive an exceptional, optimised and consistent digital banking experience, regardless of the number and type of channels being used.

Interact™ provides the capability for financial consumers to apply for new products and manage their relationship; including servicing their accounts, making enquiries, executing transactions or receiving marketing campaigns. Additionally our clients can be assured that all their digital banking servicing is delivered to a PCI DSS Level security standard.

David Webber

David Webber

Location:
Surrey, UK

Markets:
International client base

Contact Information:
David Webber, Managing Director
0208 614 9822

Key Executives
David Carman – Executive Chairman
David Webber – Managing Director
Clayton Locke – Chief Technology Officer
Philip Andrew – Head of Client Delivery
Fiona Tee – Chief Financial Officer
Jerry Mulle – Head of Strategic Partnerships and Marketing
Liz Fretwell – Sales Director

Products/Services

Interact™

Interact™ delivers via any channel and any device – iOS/Android smart phones and tablets, browsers, desktops, smart TVs, social networks and beyond.  This means our clients will deliver omni-channel interactivity through just the one platform, plus our clients can manage their customers through a single dedicated management console – the Interact Hub™.

As well as being a valuable tool for financial consumers, Interact™ is a key touch point for the brand. That’s why we offer a suite of user interface designs that allow our clients to configure the software to meet their customers’ exact demands whilst accommodating a unique brand identity.  Additionally by removing the need for bespoke software, offering a single point solution, and working with existing back office systems, Interact™ will significantly reduce operational costs.

Furthermore, Interact’s future-proof design will adapt to operating system upgrades and new devices – ensuring our clients product portfolios, and eco system, evolve effortlessly.

The Digital Banking Club
The Digital Banking Club was established in January 2013 by Intelligent Environments, in association with the Retail Banker International, Electronic Payments International and the Cards International publications. The Digital Banking Club is the place to go for the latest news, opinions and information on all things digital financial services focused.

The heart of The Digital Banking Club is the microsite (www.thedigitalbankingclub.com) where content is updated daily and contains news items, feeds, blogs, research and papers.

In addition to the microsite, The Digital Banking Club members receive invitations to Webinars as well Live Debates. Current and previous speakers include BSkyB, ING, MoneySuperMarket.com, The Royal Bank of Scotland, Santander, FIS Global, The Payments Council and the Fair Banking Association.

The Digital Banking Club is free to join (but you do need to register) and welcomes members from all areas of the industry and current members include banks, building societies, retailers, telcos, analysts, consulting firms, technology providers and industry commentators.

Key Takeaways

  • Intelligent Environments (rebranded as ieDigital) provides the Interact™ platform enabling omni‑channel digital banking across devices and channels.
  • The Interact suite includes modules such as Acquire, Connect, Switch, and Collect for onboarding, engagement, product switching, and self‑serve debt collection.
  • The company emphasizes strong security, delivering PCI‑DSS Level 1 compliance and machine‑learning‑powered threat detection like AppSensorFS.
  • Founded in the UK and serving global financial clients for over 15 years, Intelligent Environments created The Digital Banking Club for industry insights and networking.
  • Its rebranding to ieDigital and recent expansion through acquisitions reflect its growing global influence in digital banking software.

References

Frequently Asked Questions

What is Intelligent Environments’ main product?
Their main product is the Interact™ digital banking platform, offering modules like Acquire, Connect, Switch, and Collect to support omni‑channel banking.
Has Intelligent Environments rebranded?
Yes, it rebranded as ieDigital in 2018 and is now part of Fintilect following acquisitions in 2023 and 2024.
How does Interact ensure security?
Interact™ is PCI‑DSS Level 1 compliant and includes AppSensorFS, which uses machine‑learning to detect and respond to security threats in real‑time.
What is The Digital Banking Club?
It’s an industry community founded by Intelligent Environments that offers daily content, webinars, and live debates on digital financial services.

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