PORTLAND, Ore. – When you have 11 of the top 100 credit unions and 15 of the top 100 banks as clients, your end user numbers are going to look pretty good. Just ask Internet solutions firm Corillian. Corillian has reached the three-million end user milestone, meaning three million consumers are using its Voyager Internet banking solution through its financial institution clients. During the third quarter Corillian added a staggering 570,000 end users, a 20% increase over the second quarter. Corillian's client list reads like a who's who of large CUs, including The Golden 1, United Airlines Employees CU, Kinecta, Desert Schools, Founders, Mission, HP Employees, Suncoast Schools and others. It claims that its CU clients have 18% of total CU industry assets. The company is well-known in the banking industry, especially among big banks, but the company's foundation is in credit unions. Corillian CEO Ted Spooner was at one point CFO for First Tech CU, Beaverton, Ore. "The roots of our technology were built when Ted was building online solutions for First Tech," said Corillian spokesperson Matt Cone. "Many of the early customers were credit unions." Corillian's latest platform, Voyager 3.0, is a combination of online banking, bill payment and account aggregation. "The next area of innovation is intelligence. More and more we talk about control and convenience. New features will include end user intelligence, and more tools to glean intelligence off of data," said Cone. In other words, empowering end users to do more with their Voyager presented data, such as using it for financial planning. Corillian's philosophy is a bit different than other Net banking providers. Its solution is designed to be deployed on-premise, not in ASP mode. That's clearly one characteristic that attracts the larger financials, which typically like tech systems in-house for control reasons. Cone points out that it also has a quasi-ASP version that is a unique hosting option based on the software being placed on a "discreet" set of servers at a Corillian data center. The Voyager platform is built to be scaled up easily, and one of the reasons it's been attractive to CUs is its back-end bill pay flexibility, said Cone. "Especially for the credit union industry, the flexibility to add different bill pay processors on the back end. Not all credit unions can get the bandwidth to add the big bill pay (solutions)," said Cone. Cone didn't want to talk too specifically about competition, but one of its obvious competitors is Digital Insight. As of its second quarter results (third quarter due out shortly), Digital Insight had 1.9 million end-users, a million shy of Corillian's, however DI's numbers likely have gone up somewhat from the second quarter. As for focusing on the CU market, Cone said it's a priority for Corillian. "We currently have 18% marketshare. We have 82% to go to achieve our modest goal," said Cone. [email protected]