1
                        CONSENT OF INDEPENDENT AUDITORS

                             The Board of Directors

S1 Corporation

We consent to incorporation by reference in the current report on Form 8-K of
S1 Corporation, of our report dated January 25, 1999, with respect to the
consolidated balance sheets of Edify Corporation and subsidiary as of December
31, 1998, and 1997, and the related consolidated statements of operations,
stockholders' equity, and cash flows for each of the years in the three-year
period ended December 31, 1998, and the related schedule, which report appears
in the December 31, 1998 annual report on Form 10-K of Edify Corporation.


                                                  /s/ KPMG LLP


Mountain View, California
November 15, 1999