1


                                                                   Exhibit 23.2

The Board of Directors
S1 Corporation:

We consent to the incorporation by reference in the registration statements
(Nos. 333-82369, 333-82381, and 333-82383) on Form S-8, and the Post Effective
Amendment No. 1 to Form S-4 (No. 333-82711) on Form S-8 of S1 Corporation of our
reports dated February 4, 1999, relating to the consolidated balance sheet of S1
Corporation and subsidiary as of December 31, 1998, and the related consolidated
statements of operations, stockholders' equity and comprehensive income (loss),
and cash flows for each of the years in the two-year period ended December 31,
1998, and the related financial statement schedule, which reports appear in the
December 31, 1999, annual report on Form 10-K of S1 Corporation.


                                                  /s/ KPMG LLP

Atlanta, Georgia
March 29, 2000