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Santa Clara, Calif., March 12, 2001 - Edify Corporation, an S1 company (NASDAQ: SONE), and a global leader in multi-channel customer interaction solutions, today announced the formation of Edify Asia, a joint venture with ITApps Limited. Edify Asia, a Hong Kong-based corporation, will become the master distributor for Edify Corporation's products and services throughout Asia, excluding Japan. "The growth potential for next-generation, automated customer interaction systems in Asia is enormous," said John Kirst, vice president of marketing and Asia Pacific & Latin America field operations, Edify Corporation. "This joint venture with ITApps, who already has five years of success selling and installing Edify solutions in Asia, is the next step in our strategy to establish a preeminent position across the continent." In the first half of 2001, Edify Asia will establish a reseller network in Asia's principal markets, including Hong Kong, Mainland China, Thailand, Malaysia, Singapore, Taiwan, Republic of Korea, and Indonesia, where prominent customers using Edify products already include the Industrial Commercial Bank of China, Bank of China, Standard Chartered Bank, Citic Ka Wah Bank, Manulife, and AIG. Edify Asia will also provide project management and application design service to their partners and manage a professional services brokerage that will pool resources across the reseller network.

Edify Announces a Joint Venture in Asia
The joint venture will market Edify Enterprise™, a full function Customer Relationship Management (CRM) system that features Edify's Virtual Customer Service Representative (vCSR)™ and the Edify Interaction Center™. The Edify Interaction Center modules and vCSRs work in conjunction with Edify's powerful multi-channel platform, Electronic Workforce?7.0, featuring real-time integration with legacy, desktop-centric systems and existing back-office applications without replicating data. An organization using the Edify Enterprise solution can accept incoming customer inquiries from any communication channel. Messages that can be interpreted by Edify Natural Language are routed automatically to the appropriate vCSR; messages that cannot be reliably interpreted are routed to a human representative using the vCSR Desktop Assistant."The last five years have demonstrated to us that Edify provides the solutions that global markets require," said Mr. Jackal Ma, ITApps executive director. "In addition, they are very fast to market with open, dependable, trusted, stable, and flexible solutions. Edify has short development cycles, the flexibility to cater to changing business rules and business cycles, and is capable of rapidly integrating new customer interaction channels such as wireless Internet when they become available."Edify Enterprise applications support speech recognition in 21 languages, including Mandarin and Cantonese, and provides speech-to-text solutions in 11 languages. Edify Enterprise applications also support Unicode, which enables support for double-byte data sources, plus WAP, SMS, Compact HTML, and iMode protocols for wireless customer interaction virtually anywhere in the world.

Edify was founded in 1990 and has more than 1,000 customers in North America, Asia, and Europe. For more information, please visit the Edify web site at www.edify.com.

About Edify Corporation
Edify develops customer interaction solutions for all customer contact channels. Enterprises worldwide use Edify's proven, open platform to integrate and manage their customers' natural choice of web, voice, wireless and e-mail communications, strengthening customer relationships and increasing profitability. Edify Corporation is headquartered in Santa Clara, Calif. with international offices in London, England, Sydney, Australia, Hong Kong and Tokyo, Japan. Edify is a subsidiary of S1 Corporation (NASDAQ: SONE), the pioneer of Internet banking and today's leading provider of innovative Internet-based financial services solutions. Additional information about Edify may be obtained by calling 408-982-2000 (USA), +61 2 9238 6862 (Australia), +852 2273-5702 (Hong Kong) or +44 162 885 0222 (Europe, Middle East, Africa).

About S1 Corporation
S1 (Nasdaq: SONE), the pioneer of Internet banking, is a leading global provider of innovative eFinance solutions and services that are centered on banking, brokerage and insurance. S1 is enabling financial service providers to create a complete Enterprise eFinance Experience™ by delivering the tools necessary to meet the evolving demands of their customers across various lines of businesses, market segments and delivery channels. Through its Open eFinance Architecture™, S1 offers a broad range of applications that empower financial institutions to increase revenue, strengthen customer relationships and gain competitive advantage. Additionally, through the Company's professional services organization, S1 applications can be implemented in-house or hosted in an S1 Data Center. Additional information about S1 is available at http://www.s1.com.

Forward Looking Statements
The matters set forth in this press release, such as statements relating to the Electronic Workforce and the benefits to call centers of utilizing such a system are forward looking and are subject to a number of risks and uncertainties that could cause actual results to differ materially. Although the Electronic Workforce has been available in various forms for many years, there can be no assurance that consumers will accept the company's products, including the Electronic Workforce, in sufficient numbers to make the company's products successful. In addition, given the uncertainties of software development, there can be no assurance that the company's products will be implemented in the anticipated time frames or with the anticipated features, functionality or benefits. Further information on the important factors that could affect the results or outcomes discussed in the forward looking statements is included in S1 Corporation's annual report on Form 10K and its other reports filed from time to time with the Securities and Exchange Commission. Edify and Electronic Workforce are registered trademarks of Edify Corporation. All other company and product names may be trademarks of their respective

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