NCR Acquires D3 Banking

NCR Acquires D3 Banking


  • The American company NCR Corporation buys out D3 Banking, mobile and e-banking specialist focusing on large-scale financial institutions. 
  • Goal: Expand digital banking services to new market segments, including major banks in the US and international institutions.
  • D3 Banking launched a platform for white label digital banking services. NCR, for their part, is most famous for their Cloud-based solutions for Community Financial Institutions (CFIs). As they build different platforms and products, this partnership could lead them to jointly craft additional offers.
  • The financial terms of this transaction haven’t been disclosed, but it would be expected to be slightly dilutive to earnings per share in the first year.


  • Challenging environment. The market for mobile-based financial services is fast gaining ground. According to a study by Pymnts, roughly 20% of banking agencies in the US are likely to be shut down by 2020. NCR cannot disregard this changing environment, hence their buyout of D3 Banking. They may then gain momentum on the digital banking market, i.e.: their main growth relay.
  • New breath. The payment landscape has been evolving. Active start-ups on this sector are among the prevailing FinTechs worldwide. Through this initiative, NCR wants to improve their ability to innovate and climb on the bandwagon.


  • In October 2018, the POS device maker announced they were acquiring JetPay to expand their range of services. They now set eyes on D3 Banking.
  • This acquisition is consistent with several other merger-acquisition announcements in the field of digital payments. Earlier this year, the American provider of financial technologies Fiserv acquired First Data which specialises in processing payments. This operation was worth $22 billion. And the European Union recently approved Worldpay’s buyout by FIS for $35 billion.

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