S1 Corp. on Monday launched Enterprise Banking Call Center, a customer-relationship-management system that allows bank call-center agents to perform routine actions such as opening and closing accounts, checking account balances, and issuing stop-payment orders.

Agents can also cross-sell and up-sell banking services to customers using customizable scripts with the system. It also provides lead capture and referral capabilities.

The software provides real-time multichannel contact histories, customer profiles, intelligent workflow capabilities, and integration with S1 or third-party data analytics systems.

North American banks will spend $28 billion on retail banking technology in 2005, a 4.7% increase over 2004, according to Celent Communications, a research and advisory firm focused on the financial-services industry. Of that total, $4.6 billion will be spent on systems for multichannel integration, CRM, and check imaging--a 9.4% hike over 2004.