D3 Consumer Banking technology is now available for financial institutions, Lodo Software has announced.

D3 Consumer Banking aims to improve customers online and mobile banking channels, according to the company.

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The firm has said the software can optimise the presentation of websites by automatically reconfiguring itself according to the device being used.

In an attempt to monitise the mobile banking channel Lodo said that D3 features targeted marketing capabilities, with customers receiving offers that are tailored to their financial position. These offers can be configured to precisely tell the customer the economic benefit to them of the product or service offered by the bank.

Mark Vipond, CEO of Lodo Software said: "With the release of D3 Consumer Banking, we are providing banks and credit unions with an option not available to them via legacy providers of online and mobile banking systems."

"D3 Consumer Banking consolidates the disparate digital channels for financial institutions services lowering cost and operation complexity. Most importantly, our product provides the customers of these organizations with a consistent, personalized user experience regardless of what digital channel they choose to use to access their accounts."

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Jeelani Shaik, CTO of Lodo Software said that according to studies done by Google, consumers often start an activity on their laptop and finish it on their smartphone or tablet.

"When these consumers move from one device to another, they often find user interfaces that are inconsistent and confusing. According to a study by J.D. Power, one in six consumers are leaving their bank or credit union because of this," he added.