THIS EMPLOYMENT AGREEMENT  dated as of April 5, 1999 ("Agreement"),  is
by  and  between InteliData  Technologies  Corporation,  a Delaware  corporation
("InteliData") and Alfred S. Dominick, Jr. ("Executive").

         WHEREAS,  InteliData desires to employ Executive as President and Chief
Executive  Officer and  Executive  desires to serve in such  capacity,  upon the
terms and conditions set forth herein; and,

         WHEREAS, to induce Executive to enter into this Agreement and become an
employee of  InteliData,  InteliData  agrees to grant  Executive  certain  stock
options as set forth herein.

         NOW,  THEREFORE,  InteliData and  Executive,  in  consideration  of the
mutual covenants and promises contained herein, do hereby agree as follows:

1.  Acceptance  of  Employment.  Subject to the terms and  conditions  set forth
below,  InteliData  agrees  to  employ  Executive  and  Executive  accepts  such
employment.

2. Term.  The period of  employment  shall be from the date first  written above
through  the  third  anniversary  of such  date,  unless  sooner  terminated  as
hereinafter set forth.

3. Position and Duties.  Executive  shall serve as President and Chief Executive
Officer of InteliData,  Executive's duties will include without limitation those
duties specified on Exhibit A to this Agreement, which is incorporated herein by
reference  and/or  such  other  duties  consistent  with such  offices as may be
assigned by the Board of  Directors of  InteliData  (the  "Board")  from time to
time.  Executive  shall at all times be subject to the  direction and control of
the Board.  Executive shall devote his full business and  professional  time and
attention to the business and affairs of InteliData  and,  other than  customary
activities in connection with his personal investments, shall not participate in
any business  activities,  including  advisory or  consulting  arrangements  and
directorships, without the prior written approval of the Board.

         During the term of this Agreement,  InteliData shall nominate, and take
such action as may be necessary or appropriate to seek  stockholder  election of
Executive  to the Board.  Executive  shall  resign from the Board in  connection
with,  and  effective  immediately  upon,  termination  of his  employment  with
InteliData.

4.       Compensation and Related Matters.

(a) Base  Salary.  Executive  shall  receive a base salary of $300,000 per annum
payable in accordance  with the payroll  procedures  for  InteliData's  salaried
employees in effect from time to time during the term of this Agreement.

(b)  Eligibility  for  Bonuses.  For the period  commencing  from the date first
written above through December 31, 1998, Executives shall be eligible to receive
an annual bonus of up to 25% of his base salary,  as  determined by the Board in
its discretion.  For the period commencing January 1, 1999 through the remaining
term of this  Agreement,  Executive shall be eligible to receive an annual bonus
of up to 75% of his base salary, as determined by the Board in its discretion.

(c)      Stock Options; Ownership Requirements and Grant of Stock.

 InteliData  hereby agrees to establish an InteliData  Technologies  Corporation
1998 CEO Incentive Plan  substantially  in the form attached as Exhibit B hereto
(the "CEO  Plan").  Executive  shall be granted  options to  purchase a total of
1,200,000  shares of Common  Stock,  par value  $0.001  per share of  InteliData
("Common  Stock") under the CEO Plan at the relative  exercise  prices,  vesting
periods  and  otherwise  upon the  terms and  conditions  set forth in the Stock
Option  Agreement  between  InteliData and Executive  (the "Option  Agreement"),
substantially in the form attached as Exhibit C hereto.

(ii) Executive agrees to purchase prior to the first  anniversary of the date of
this Agreement,  100,000 shares of Common Stock.  Executive  agrees to hold such
shares for the remaining term of this Agreement (and any renewals thereof).

(iii) On the date of this  Agreement,  InteliData  shall issue 200,000 shares of
Common Stock to Executive at an aggregate  purchase price of Two Hundred Dollars
($200.00)

(d)  Business  Expenses.   Executive  shall  be  entitled  to  reimbursement  of
reasonable,  ordinary and necessary  business-related  expenses  consistent with
InteliData's  policies in effect  from time to time.  During the period from the
date of this Agreement until the first anniversary  thereof,  Executive shall be
entitled to reimbursement of expenses incurred in commuting between InteliData's
offices in Virginia and Executive's  residence in an amount not to exceed $3,000
per month.

(e) Paid Time Off.  Executive shall be entitled to paid time off (including,  if
applicable,  sick and vacation  leave) in each calendar year consistent with the
InteliData paid time off policies  applicable to executive  officers of the rank
of Vice  President and above.  Executive  shall be entitled to all paid holidays
observed by InteliData.

(f) Benefit Plans.  Executive  shall be entitled to participate in such medical,
dental, life, disability, 401(k), employee stock purchase, and such other fringe
benefit plans as InteliData may from  time-to-time  make available  generally to
all salaried  employees.  Executive shall be entitled to participate on the same
terms and  conditions as other  employees;  however,  if there are more generous
plans  offered  to persons at the level of  Vice-President  or above,  Executive
shall be entitled to participate in the more generous plans.

(g)  Indemnification.  InteliData shall indemnify  Executive against any and all
Expenses and Liabilities (as each is hereinafter  defined) to the fullest extent
consistent with applicable law and InteliData's Certificate of Incorporation and
By-laws as in effect from time to time and to such greater  extent as applicable
law may hereafter from time to time permit.  Executive shall be entitled to this
indemnification  if, by reason  of  alleged  acts or  omissions  related  to his
employment with InteliData,  he incurs any Expenses or Liabilities in connection
with being made a party or being  threatened with liability or called to testify
in any  proceeding,  including  but not  limited to any  threatened,  pending or
completed  case,  action,  suit,  arbitration,  alternative  dispute  resolution
mechanism, investigation, administrative hearing or any other actual, threatened
or   completed   proceeding   whether   civil,   criminal,   administrative   or
investigative.  Expenses shall include without  limitation all attorneys'  fees,
retainers,  court  costs,  transcript  costs,  fees of experts,  accounting  and
witness fees, travel expenses, duplicating costs, telephone charges, postage and
delivery  service  fees,  and all other  disbursements  or expenses of the types
customarily  incurred in connection with  prosecuting,  defending,  preparing to
prosecute or defend, investigating,  being or preparing to be a witness or party
in a proceeding.  Liabilities  shall mean  obligations  of any type  whatsoever,
including but not limited to any judgments, findings, fines, assessments, excise
taxes,  administrative  assessments,  ERISA or FLSA excise  taxes or  penalties,
penalties or amounts paid in settlement (including all interest, assessments and
other  charges  paid  or  payable  in  connection  with  or in  respect  of such
judgments,  fines,  penalties, or amounts paid in settlement) in connection with
the investigation,  defense, settlement or appeal of any proceeding or any claim
or issue or matter therein.  The provisions of this Section (4)(g) shall survive
the  termination  of this  Agreement  for any  reason  and  the  termination  of
Executive's employment hereunder.

(h) Life  Insurance.  In  addition to the life  insurance  plan  generally  made
available to InteliData  employees,  InteliData  shall  reimburse  Executive for
premiums paid with respect to up to $2 million in term life  insurance  coverage
on the life of Executive  (which policies shall be owned by Executive).  Amounts
so reimbursed shall be additional compensation to Executive and shall be subject
to applicable federal, state and local taxes and withholding.

(i)  Relocation  Expenses.  Executive  shall be  entitled  to  reimbursement  of
relocation expenses,  including actual expenses for temporary housing until such
time as Executive  has moved into a new primary  residence,  in an amount not to
exceed  $100,000.  InteliData  shall also pay to Executive an additional  amount
sufficient to pay all federal, state and local taxes applicable to such payment.

5.       Termination of Employment.

(a) Death.  Executive's  employment hereunder shall terminate upon his death, in
which event  InteliData  shall have no further  obligation  to  Executive or his
estate,  other than the  disposition  of life  insurance in accordance  with the
terms of the  policies  and plans  governing  the same,  accrued and unpaid base
salary, accrued vacation and bonuses and other incentive compensation earned but
not paid for periods prior to the date of termination.

(b) By  Executive  Other than for Good  Reason.  Executive  may  terminate  this
Agreement  upon three months prior written  notice to  InteliData.  In the event
Executive's  employment  is  terminated  pursuant  to this  Section  5(b),  such
termination shall be effective on the 90th day following the date such notice is
given (unless  otherwise agreed by InteliData)  (the  "Resignation  Date"),  and
InteliData's  only obligation to Executive  hereunder from the Resignation  Date
will be the payment of any accrued and unpaid base salary, accrued time off, and
earned bonuses and other  incentive  compensation  (if any) for periods prior to
the date of termination.

(c) By InteliData  for  Disability.  If Executive  incurs a disability  and such
disability  continues  for a period of  one-hundred  eighty (180)  substantially
consecutive days in a calendar year (for this requirement to be met, the 180 day
period must include at least one interruption  equaling or exceeding thirty (30)
consecutive  days), then InteliData may give notice to Executive that it intends
to  terminate  Executive's  employment  effective  the  day  following  the  day
Executive  becomes eligible for disability  income under  InteliData's long term
disability  plan then in effect.  Following  the effective  date of  termination
under this Section 5(c),  InteliData's  only obligation to Executive shall be as
described  in  Section  5(k)  below.  "Disability"  means a  physical  or mental
incapacity that prevents  Executive form  performing the essential  functions of
his position and for which no reasonable accommodation may be made. If Executive
refuses to submit to an examination by a physician  selected by InteliData after
absences  equaling or exceeding  forty (40) calendar days in any 180 day period,
becomes  eligible for Social Security  benefits payable on account of disability
or becomes eligible for benefits payable under the InteliData  disability income
plan after  absences  equaling or exceeding  forth (40) calendar days in any 180
day period,  he will  conclusively  deemed to be disabled  for  purposes of this
Agreement.

(d) By InteliData for Cause.  The Board may terminate this Agreement at any time
upon written notice to Executive for Cause in which event  InteliData shall have
no further obligation to Executive hereunder,  other than the payment of accrued
and unpaid  base  salary,  accrued  paid time off and earned  bonuses  and other
incentive compensation for periods prior to the date of termination. Cause shall
be defined as: (i) Executive's  continued  failure to perform duties  reasonably
assigned by the Board (other than failure to perform due to a physical or mental
disability),  after a demand for specific  performance  identifying the areas of
nonperformance  is  delivered  to him by the  Board  and  he has  been  given  a
reasonable  opportunity  to correct the  identified  defects;  (ii)  Executive's
material breach of the provisions of this Agreement or of any agreement  entered
into in connection with this Agreement; (iii) Executive's conviction (or plea or
nolo  contendre) in  connection  with any felony,  or a misdemeanor  requiring a
finding of  fraudulent  or dishonest  conduct with respect to  InteliData or its
affiliates;  (iv) gross negligence in the performance of Executive's  duties; or
(v)  Executive's  commission  of any other act with the intent to harm or injure
InteliData or its affiliates.

(e) By InteliData  for Other Than Cause.  The Board may terminate this Agreement
without Cause immediately upon written notice to Executive. In the event of such
termination,  InteliData's  obligations  to Executive  hereunder  following such
termination  (except  as  otherwise  set  forth in  Section  5(g) to the  extent
applicable) shall be as follows:

(i)  InteliData  will  pay to  Executive  within  ten  (10)  days of  notice  of
termination  (or, in the case of incentive bonus  compensation,  within ten (10)
days of  determination  of  amounts  payable  under the  applicable  bonus  plan
generally)  an amount equal to twelve  months of his base salary then in effect,
and any deferred salary and/or bonus  compensation  payable under this Agreement
or pursuant to any other plan or  arrangement  of InteliData or any affiliate in
which  Executive is a participant to the extent vested or payable as of the date
of  termination,  provided  however,  that  unless  required by the terms of any
applicable plan Executive shall not be forced immediately to take a disbursement
of any vested portions of a 401(k) or other tax-qualified retirement plan;

(ii) InteliData shall pay to Executive an amount equal to the highest  incentive
bonus  paid  to  Executive  for  any of the  three  calendar  years  immediately
preceding  the  date of  termination,  prorated  for the  number  of  months  of
employment hereunder in the calendar year in which termination occurs; and (iii)
InteliData  shall  continue to provide to Executive,  at  InteliData's  expense,
life,   disability,   accident  and  health  insurance  benefits  as  in  effect
immediately  prior to the date of notice of termination,  for a period of twelve
(12) months from the date of termination.

         To the  extent  that the  terms of the  benefit  plans do not allow for
Executive to continue  participation  in the plans  following  his  termination,
InteliData shall obtain benefit  coverage which is substantially  similar to the
benefits  enjoyed by Executive  immediately  prior to his  termination and shall
reimburse  Executive in the event that this arrangement results in a greater tax
liability for Executive.

(f) By  Executive  for Good  Reason.  Executive  may  terminate  his  employment
hereunder  (for purposes of this  Agreement  "Good  Reason")  immediately in the
event that (i)  InteliData  reduces  his annual  base salary as in effect on the
date hereof  without his  consent,  other than  departmental  salary  reductions
similarly  affecting  other  employees of  InteliData;  (ii)  InteliData  fails,
without his consent,  to pay Executive any portion of his current  compensation,
or to pay him any portion of an installment of deferred  compensation  under any
deferred  compensation program of InteliData,  within thirty (30) days following
notice by Executive to  InteliData  of the failure to make such  payment;  (iii)
InteliData  fails to continue in effect any  compensation  plan in effect on the
effective  date of this  Agreement  in  which  Executive  participates  which is
material  to  Executive's  total  compensation  hereunder,  unless an  equitable
arrangement  (embodied in an ongoing  substitute or  alternative  plan) has been
made with  respect  to such  plan,  or the  failure by  InteliData  to  continue
Executive's participation therein (or in such substitute or alternative plan) on
a basis not materially less  favorable,  both in terms of the amount of benefits
provided  and  the  level  of  Executive's   participating   relative  to  other
participants;  (iv) a material  breach of this  Agreement  by the  Board;  (v) a
material and substantial  dimunition of Executive's  duties,  such that when his
remaining duties are considered as a whole, the change in character and prestige
associated  with the  position  would be deemed by an  objective  observer to be
demeaning or amount to a constructive  discharge;  or (vi) continued requests by
the Board that Executive  perform his duties in an illegal or unethical  manner.
In the  event  that  Executive  elects  to  terminate  this  Agreement  and  his
employment  with  InteliData or any successor in interest in accordance with the
provisions of this section,  InteliData's sole obligation to Executive hereunder
(except as otherwise set forth in Section 5(g) to the extent  applicable)  shall
be as set forth in clauses (i) through (iii) of Section 5(e) above.

(g)  Termination  Following  a Change in  Control.  In event of  termination  of
Executive's  employment  hereunder within one year following a Change in Control
either by  InteliData  other  than for Cause or by  Executive  for Good  Reason,
InteliData's sole obligation to Executive hereunder shall be as follows:

(i)  InteliData  will  pay to  Executive  within  ten  (10)  days of  notice  of
termination  (or, in the case of bonus or other  incentive  bonus  compensation,
within ten (10) days  determination of amount payable under the applicable bonus
or other  compensation  plan  generally)  an amount  equal to the greater of the
undiscounted  amount of  twelve  (12)  months  base  salary or the  undiscounted
remainder of his base salary then in effect  through the unexpired  term of this
Agreement,  and any deferred salary and/or bonus or other incentive compensation
payable under this  Agreement or pursuant to any other plan or  arrangements  of
InteliData  or any affiliate in which  Executive is a participant  to the extent
vested or payable as of the date of termination;

(ii) InteliData shall pay to Executive an amount equal to the highest  incentive
bonus  paid  to  Executive  for  any of the  three  calendar  years  immediately
preceding  the  date of  termination,  prorated  for the  number  of  months  of
employment hereunder in the calendar year in which termination occurs; and

(iii)  InteliData  shall  continue  to provide  to  Executive,  at  InteliData's
expense, life,  disability,  accident and health insurance benefits as in effect
immediately  prior to the date of  notice of  termination,  for the  greater  of
twelve (12) months from the termination  date or a period equal to the unexpired
term of the Agreement.

         To the  extent  that the  terms of the  benefit  plans do not allow for
Executive to continue  participation  in the plans  following  his  termination,
InteliData shall obtain benefit  coverage which is substantially  similar to the
benefits  enjoyed by Executive  immediately  prior to his  termination and shall
reimburse  Executive in the event that this arrangement results in a greater tax
liability for Executive. In addition,  InteliData shall continue to make premium
payments for the life insurance  described in Section 4(h) above for a period of
twelve (12) months from the date of termination.

         For purposes of this  Section 5, a "Change in Control"  shall be deemed
to have occurred if the conditions set forth in any of the following  paragraphs
shall have been satisfied:


                           (i)      any person becomes the beneficial owner  (as
defined in Rule 13d-3 under the Securities Exchange Act of 1934, as amended (the
"Exchange  Act)),  directly or  indirectly,  of securities  of  InteliData  (not
including securities acquired directly from InteliData or any of its affiliates)
representing  more than 50% of the combined  voting power of  InteliData's  then
outstanding securities; or

                           (ii)     during  any  period of  two (2)  consecutive
years (not  including  any period  prior to the  execution  of this  Agreement),
individuals who at the beginning of such period constitute the Board and any new
director  (other than a director  designated by a person who has entered into an
agreement with InteliData to effect a transaction described in clause (i), (iii)
or (iv) of this Section)  whose election by the Board or nomination for election
by InteliData's stockholders was approved by a vote of at least two-thirds (2/3)
of the directors then still in office who either were directors at the beginning
of the period or whose  election or  nomination  for election was  previously so
approved, cease for any reason to constitute a majority thereof; or

                           (iii) consummation of a plan of complete  liquidation
of InteliData  or the sale or disposition by InteliData of all or  substantially
all of its assets; or

                           (iv) a merger or consolidation of InteliData with any
other corporation,  other than (A) a merger of consolidation  which would result
in the voting  securities of InteliData  outstanding  immediately  prior thereto
continuing to represent (either by remaining outstanding or being converted into
voting securities of the surviving entity), in combination with the ownership of
any trustee or other fiduciary holding securities under an employee benefit plan
of  InteliData  or any of its  affiliates,  at least 50% of the combined  voting
power  of  the  voting   securities  of  InteliData  or  such  surviving  entity
outstanding  immediately after such merger of consolidation,  or (B) a merger or
consolidation effected to implement a recapitalization of InteliData (or similar
transaction)  in which no person  acquires more than 50% of the combined  voting
power of InteliData's then outstanding securities.

         For purposes of this Section,  "person" shall have the meaning given in
Section  (3)(a)(9) of the Exchange  Act, as modified and used in Sections  13(d)
and 14(d) thereof;  however, a person shall not include (i) InteliData or any of
its  subsidiaries  or  affiliates,  (ii) a trustee  or other  fiduciary  holding
securities  under  an  employee  benefit  plan  of  InteliData  or  any  of  its
subsidiaries, (iii) an underwriter temporarily holding securities pursuant to an
offering  of  such  securities,   or  (iv)  a  corporation  owned,  directly  or
indirectly,  by  the  stockholders  of  InteliData  in  substantially  the  same
proportions as their ownership of stock of InteliData.

         In the event  that  Executive  becomes  entitled  to the  payments  and
benefits described in this subsection 5(g)(iv) (together with any other benefits
to which  Executive  is entitled  hereunder  following a  termination  entitling
Executive  to the  payments  and  benefits  of this  Section  5, the  "Severance
Benefits"),  and if any of the Severance  Benefits will be subject to any excise
tax (the "Excise Tax")  imposed under Section 4999 of the Internal  Revenue Code
of  1986,  as  amended  (the  "Code"),  InteliData  shall  pay to  Executive  an
additional amount (the "Gross-Up  Payment") such that the net amount retained by
Executive,  after deduction of any Excise Tax on the Severance  Benefits and any
federal, state and local income and employment tax and Excise Tax upon the Gross
Up Payment  provided  for by this Section 5, shall be equal to the net amount of
Severance  Benefits  Executive  would retain if the Excise Tax were not imposed.
For  purposes of  determining  whether  any of the  Severance  Benefits  will be
subject  to the  Excise Tax and the  amount of such  Excise  Tax,  (i) any other
payments or benefits  received or to be received by Executive in connection with
a Change in Control or Executive's  termination of employment  (whether pursuant
to the terms of this Agreement or any other plan,  arrangement or agreement with
InteliData, any person whose actions result in a change in control or any person
affiliated  with  InteliData  or such  person)  shall be treated  as  "parachute
payments" within the meaning of Section  280G(b)(2) of the Code, and all "excess
parachute  payments" within the meaning of Section  280G(b)(1) of the Code shall
be treated as subject to the Excise  Tax,  unless in the  opinion of tax counsel
selected by  InteliData's  independent  auditors and  reasonably  acceptable  to
Executive  such  other  payments  or  benefits  (in  whole  or in  part)  do not
constitute parachute payments,  including by reason of Section  280G(b)(4)(A) of
the Code,  or such excess  parachute  payments  (in whole or in part)  represent
reasonable  compensation for services actually  rendered,  within the meaning of
Section  280G(b)(4)(B)  of the Code,  in excess of the Base Amount as defined in
Section 280G(b)(3) of the Code allocable to such reasonable compensation, or are
otherwise  not  subject to the  Excise  Tax,  (ii) the  amount of the  Severance
Benefits  that  shall be  treated as subject to the Excise Tax shall be equal to
the lesser of (a) the total amount of the  Severance  Benefits or (b) the amount
of excess  parachute  payments  within the meaning of Section  280G(b)(1) of the
Code  (after  applying  clause (i) above),  and (iii) the value of any  non-cash
benefits or any deferred  payment or benefit shall be determined by InteliData's
independent auditors in accordance with the principles of Section 280G(d)(3) and
(4) of the Code. For purposes of determining the amount of the Gross-Up Payment,
Executive  shall be deemed to pay federal  income taxes at the highest  marginal
rate of federal  income  taxation  in the  calendar  year in which the  Gross-Up
Payment is to be made and state and local income  taxes at the highest  marginal
rate of taxation in the state and locality of InteliData's residence on the date
of payment,  net of the maximum reduction in federal income taxes which could be
obtained  from  deduction of such state and local  taxes.  In the event that the
Excise Tax is  subsequently  determined  to be less than the  amount  taken into
account  hereunder  at  the  time  of  termination  of  Executive's  employment,
Executive shall repay to InteliData (with interest), at the time that the amount
of such  reduction  in Excise  Tax is  finally  determined,  the  portion of the
Gross-Up  Payment  attributable  to such  reduction  (plus  that  portion of the
Gross-Up  Payment  attributable  to the Excise tax and federal,  state and local
income and  employment  tax  imposed on the  Gross-Up  Payment  being  repaid by
Executive to the extent that such repayment results in a reduction in Excise Tax
and/or federal, state or local income or employment tax deduction). In the event
that the  Excise tax is  determined  to exceed  the  amount  taken into  account
hereunder at the time of the termination of Executive's employment (including by
reason of any payment the  existence or amount of which cannot be  determined at
the time of the Gross-Up Payment),  InteliData shall make an additional Gross-Up
Payment in respect to such excess  (plus any  interest,  penalties  or additions
payable by Executive with respect to such excess) at the time that the amount of
such  excess  is  finally  determined.   Executive  and  InteliData  shall  each
reasonably  cooperate with the other in connection  with any  administrative  or
judicial proceedings  concerning the existence or amount of liability for Excise
Tax with respect to the Severance Benefits.

(h) Stock Options. Upon termination of Executive's  employment hereunder for any
reason,  the terms of the CEO Plan and the  Option  Agreement  shall  govern the
vesting and  exercisability of any stock options  outstanding  thereunder on the
date of termination.

(i) Notice of  Termination.  Termination  of this  Agreement  by  InteliData  or
Executive  shall be  communicated  by written  notice to the other party hereto,
specifically indicating the termination provision relied upon.

(j) Company Property.  Upon the termination of Executive's employment under this
Agreement,  for any reason,  Executive  shall deliver to  InteliData  all credit
cards, mobile telephones,  notebook and other computers and related peripherals,
other  electronic  equipment,   furnishings,   all  equipment   manufactured  by
InteliData and used by Executive,  and other property issued to Executive in the
course of his employment.

(k) Upon  termination of Executive's  employment  hereunder for any reason,  the
terms of the  InteliData  group fringe  benefit  plans shall govern  Executive's
rights thereunder following termination.

6.  Beneficiary.  The  beneficiary  of any  payment  to be made in the  event of
Executive's  death  shall be his  wife,  or such  other  person  or  persons  as
Executive  shall  designate in writing to InteliData.  If no  beneficiary  shall
survive Executive, any such payments shall be made to his estate.

7. No Waiver.  The failure of either party at any time to enforce any provisions
of this Agreement or to exercise any remedy,  option,  right, power or privilege
provided for herein,  or to require the performance by the other party of any of
the provisions  hereof,  shall in no way be deemed a waiver of such provision at
the same or at any prior or subsequent time.

8.  Governing  Law.  This  Agreement  is governed by and shall be  construed  in
accordance  with the laws of the  Commonwealth  of  Virginia.  Executive  hereby
irrevocably  submits to the  non-exclusive  jurisdiction  of any Virginia  state
court or United States federal court sitting in the Eastern District of Virginia
over any action or  proceeding  arising out of or  relating  to this  Agreement.
Executive irrevocably waives any objection which he may now or hereafter have to
the  laying of venue in such  forums  and  agrees not to plead or claim that any
such action or proceeding  brought in any such  Virginia  state or United States
federal court has been brought in an inconvenient forum.  Executive will appoint
and maintain an agent in the  Commonwealth of Virginia for a period equal to the
term of this  Agreement and two (2) years  following  termination  to receive on
behalf  of  Executive  service  of any  process  which may be served in any such
action or proceeding,  and advise  InteliData in writing of the name and address
of such agent.

9. Validity.  The invalidity or  unenforceability of any provision or provisions
of this Agreement  shall not be deemed to affect the validity or  enforceability
of any other provision of this  Agreement,  which shall remain in full force and
effect.

10. Successors.  This Agreement shall be binding upon InteliData, its successors
and  assigns,  and  shall  be  assignable  without  Executive's  consent  to any
corporation or other business entity which may acquire all or substantially  all
of  InteliData's  assets  or  business,   or  within  which  InteliData  may  be
consolidated  or merged,  or any  surviving  corporation  in a merger  involving
InteliData (subject to Executive's rights pursuant to Section 5(g) hereof).

11. Waiver of  Modification  of  Agreement.  No waiver or  modification  of this
Agreement shall be valid unless in writing and duly executed by both parties.

12.  Counterparts.  This Agreement may be executed in one or more  counterparts,
each of which together will constitute one and the same instrument.

13. Noncompetition and Nondisclosure Covenants. Executive agrees that during the
term of this  Agreement,  and  thereafter for a period of one (1) year following
termination  of  his  employment  hereunder  (other  than  in the  event  of any
termination by InteliData other than for Cause or by Executive for Good Reason),
he will not,  without the prior  written  consent of the Board of  Directors  as
evidenced by a resolution adopted by the Board, directly or indirectly,  whether
as employee,  partner,  owner, agent,  director,  officer,  consultant or equity
holder  (except  as the  holder  of not more than 5% of the  outstanding  equity
interest at the time of the  acquisition  of a publicly  traded  entity,  or any
successor  thereto),  engage in any  business  competitive  with any business in
which  the  InteliData  or any of its  affiliates  were  engaged  on the date of
termination  (a  "Competitive  Business")  or solicit or divert any  customer of
InteliData  or any of its  affiliates  for the  provision  of goods or  services
substantially   similar  to  those   provided  by  InteliData  on  the  date  of
termination.  Executive further agrees that he will not, during the term of this
Agreement  and  thereafter  for a period of two (2)  years,  solicit or hire any
person who was, at the time of  termination  of this  Agreement or in the twelve
months  immediately  preceding  termination,  a management  or  executive  level
employee of InteliData,  or engage in any business which then employs,  or has a
principal or investor, any person who was employed at the time of termination of
this Agreement or in the twelve months immediately  preceding the termination of
this Agreement in a managerial or executive position with InteliData.

         The foregoing  shall not prohibit  Executive  from becoming  affiliated
with any person  engaged in a Competitive  Business  provided  that  Executive's
affiliation  does  not  include  any  involvement  in  any  capacity  with  such
Competitive  Business (and Executive shall bear the burden of  establishing  the
absence of any such involvement by  preponderance of the evidence  preceding the
termination of this Agreement).

         Executive  agrees to  execute  and  deliver  such  confidentiality  and
non-disclosure,  proprietary  rights and similar  agreement  as  InteliData  may
generally request of its employees from time to time.

         Executive  acknowledges  that his  violation  of this  Section 13 would
cause InteliData and its affiliates to suffer  irreparable  damage, and that the
character,  period and scope of the restrictions set forth herein are reasonably
required for the protection of InteliData.  Therefore,  in addition to any other
remedies  available to InteliData under this Agreement or otherwise,  InteliData
shall be entitled to seek  injunctive  relief with  respect to any  violation of
this Section 13 in any court of competent jurisdiction,  and Executive shall not
object to InteliData's  seeking any such relief other than to contest whether in
fact he has violated this Section 13. In the event that any of the provisions of
this  Section  13  relating  to the  character,  period  of  time  or  scope  of
restriction  shall  be  deemed  to  exceed  that  which  a  court  of  competent
jurisdiction would deem enforceable,  the character,  period of time or scope of
restriction  shall, for purposes of this Agreement,  be deemed to be the maximum
character,  period of time and scope of  restriction  which a court of competent
jurisdiction  would deem valid and  enforceable in any state in which such court
has been convened.

         Executive agrees that all Works shall be "works made for hire" and such
term is  defined in the  United  States  Copyright  Law,  and hereby  grants and
assigns to InteliData  all right,  title and interest that Executive may have in
any Works,  Executive  shall  promptly  execute,  acknowledge  and deliver  such
documents,  and provide such  assistance  as  InteliData  may deem  necessary or
appropriate  to effectuate the purpose and intent of this  paragraph.  Executive
acknowledges  that he may create or  participate  in the creation of inventions,
discoveries,  improvements, and original works of authorship,  including without
limitation   derivative,   joint,   and   collective   works  and   compilations
(collectively  "Works").  The term "Works" includes all ideas or items Executive
creates while an InteliData  employee  (whether he creates them alone or jointly
with others) that either: (i) relate to or compete with InteliData's business or
demonstrably  anticipated  research and development  efforts or (ii) are created
(in whole or in part) using resources supplied through InteliData.

14.      Nondisparagement.

(a) Neither  Executive nor any member of his  immediate  family will directly or
indirectly (x) disparage any of InteliData, its affiliates,  employees, officers
or directors or (y) take any action other than a termination of the Agreement in
accordance  with  Section 5 which is  intended  to have a harmful  effect on the
business or reputation of any of them.
         InteliData agrees neither it nor its affiliates,  employees,  officers,
directors or successors, will directly or indirectly (x) disparage Executive; or
(xi) take any action,  other than a termination in accordance  with Section 5 of
this  Agreement,  which is intended to have a harmful  effect on the business or
reputation of Executive.

(b)  Neither  Executive  nor any member of his  immediate  family  will make any
public or private  communication of any nature,  including,  without limitation,
press  releases,  written  notices  or oral or  electronic  or  other  forms  of
communication, concerning or characterizing InteliData or Executive's employment
by InteliData.  The foregoing  shall not be deemed to prohibit:  (1) disclosures
made in filings with the Securities and Exchange  Commission  required by and in
compliance with the federal securities laws, and (2) disclosures required by law
or  legal  process;  provided  that in any case  copies  and/or  notice  of such
permitted  disclosure  shall be  provided  to  InteliData  prior to  release  or
disclosure.

(c) Each  party  agrees  that in the event of a breach of this  Section  14, the
non-breaching  party shall be entitled to seek injunctive relief with respect to
such breach.

(d)  The  provisions  of this  Section  14  shall  survive  termination  of this
Agreement.

15. Noncontravention. Executive represents and warrants to InteliData that he is
not  subject  to any  obligation  of a  contractual  or  other  nature  which is
inconsistent  with,  or conflicts  with the terms of, this  Agreement,  or would
limit or impair in any way the performance by him of his obligations hereunder.

16.  Headings.   The  headings  of  Sections  herein  are  included  solely  for
convenience of reference and shall not affect the meaning or  interpretation  of
any of the provisions of this Agreement.

17.  Notices.  Any notice  required to be given or delivered  to the  InteliData
under  the terms of this  Agreement  will be in  writing  and  addressed  to the
InteliData in care of its Secretary at 11600  Sunrise  Valley Drive,  Suite 100,
Reston,  Virginia  20191.  Any  notice  required  to be  given or  delivered  to
Executive will be in writing and addressed to Executive at the address indicated
below Executive's signature line on this Agreement,  or such other address which
either  party  shall  provide  to the  other  from  time to time in a manner  in
accordance  with the procedures  described in this Section.  All notices will be
deemed to have been given or delivered upon personal delivery or upon deposit in
the U.S.  mail,  postage  prepaid  and  properly  addressed  to the  party to be
notified.
<PAGE>

         IN WITNESS WHEREOF, parties have executed this Agreement as of the date
and year first above written.

                         InteliData Technologies Corporation



                         By: /s/ William F. Gorog
                             ------------------------------- 
                             William F. Gorog
                             Chairman of the Board



                             /s/ Alfred S. Dominick, Jr.
                             -------------------------------
                             Alfred S. Dominick, Jr.

                             Address:  160 South Mason Road
                                       St. Louis, Missouri

<PAGE>
                       InteliData Technologies Corporation
                       1998 CHIEF EXECUTIVE OFFICER'S PLAN

                             STOCK OPTION AGREEMENT

     THIS AGREEMENT is made of the 5th day of April,  1999 (the "Grant Date") by
and between InteliData  Technologies  Corporation,  a Delaware  corporation (the
"Company"), and Alfred S. Dominick, Jr. ("Optionee").

                                   WITNESSETH:

RECITALS

A. To induce Executive to enter into that certain Employment Agreement, dated as
of April 5, 1999,  InteliData agreed to grant Executive certain stock options as
set forth herein.

B.  Optionee  has been  granted  an  Option  under the  InteliData  Technologies
Corporation 1998 Chief Executive  Officer's Plan (the "Plan") to purchase shares
of the Company's common stock.

C. The Option  granted to Optionee  is not  intended  to be an  incentive  stock
option under Section 422 of the Internal Revenue Code.

         NOW, THEREFORE, it is hereby agreed as follows:

1.  Grant of  Option.  Subject  to the  terms and  conditions  set forth in this
Agreement and the Plan, the Company  hereby grants to Optionee,  as of the Grant
Date, a  Nonqualified  Stock  Option (the  "Option") to purchase up to 1,200,000
shares of the  Company's  common stock,  $0.001 par value (the "Option  Shares")
from time to time  during the term of the Option at an  exercise  price of $1.22
per share.

2.  Option  Term.  The Option will expire at the close of business on August 17,
2008 (the "Expiration  Date"),  unless sooner  terminated in accordance with the
provisions of this Agreement or the Plan.

3. Option  Nontransferable.  The Option is not  transferable  or  assignable  by
Optionee other than by will or by the laws of descent and distribution  provided
that Optionee may transfer the Option in whole or in part from time to time, for
no consideration,  to Optionee's  children,  grandchildren,  spouse, one or more
trusts for the benefit of such  family  members or one or more  partnerships  in
which  such  family  members  are the only  partners  (collectively,  "Permitted
Transferees").  During the lifetime of Optionee, the Option shall be exercisable
only by Optionee or a Permitted Transferee.

4.  Dates of  Exercise.  So long as  Optionee  continues  to serve in his or her
current  position or in a position  within the Group that is of equal or greater
responsibility  than the  position  held by Optionee  as of the Grant Date,  the
Option will be  exercisable as to the Option Shares within the specified term of
the Option and pursuant to the provision of this Agreement, as follows:

(a) the Option shall become exercisable as to 66,667 Option Shares on August 17,
1999;  66,667  Option  Shares on August 17, 2000,  and 66,666  Option  Shares on
August 17, 2001;

(b)  the  Option  as  to  an  additional  500,000  Option  Shares  shall  become
exercisable  on August 17, 2005,  provided  that from and after August 17, 1998,
the Option shall become  exercisable  earlier in  increments  of 100,000  Option
Shares  based on the trading  price of the Common  Stock for twenty  consecutive
trading day periods occurring after August 17, 1998 as follows:

(i) the Option as to the first 100,000 of the 500,000 Option Shares shall become
exercisable on the 1st day following the twentieth  consecutive day on which the
Common Stock traded at or above $2.50;

(ii) the Option as to the second  100,000 of the  500,000  Option  Shares  shall
become  exercisable  on the 1st day following the twentieth  consecutive  day on
which the Common Stock traded at or above $5.00;

(iii) the Option as to the third  100,000 of the  500,000  Option  Shares  shall
become  exercisable  on the 1st day following the twentieth  consecutive  day on
which the Common Stock traded at or above $7.50;

(iv) the  Option as to the third  100,000 of the  500,000  Option  Shares  shall
become  exercisable  on the 1st day following the twentieth  consecutive  day on
which the Common Stock traded at or above $10.00; and

(v) the Option as to the third 100,000 of the 500,000 Option Shares shall become
exercisable on the 1st day following the twentieth  consecutive day on which the
Common Stock traded at or above $15.00.

(c)  the  Option  as  to  an  additional  500,000  Option  Shares  shall  become
exercisable  upon the earlier of (i) the Common Stock  trading  above $25.00 per
share for sixty  consecutive  trading days during the term of the Option, on the
1st day following such sixty day period, or (ii) April 15, 2008.

5.       Termination of Employment.

(a) Should  Optionee  cease to be employed by the Company as President and Chief
Executive  officer  (other than by reason of termination  for Cause,  as defined
below),  the Option will, solely to the extent that the conditions  precedent to
the exercise  are met,  remain  exercisable  for a period of sixty days from the
date the  Executive  was in the  employ of the  Company  on the first day of the
period making up the condition precedent.

(b) Should  Optionee be discharged  for Cause by the Company or should  Optionee
cease to be an employee for any reason following receipt of notice of the intent
of the Company to  discharge  Optionee  for Cause,  the term of the Option shall
immediately  terminate (and the Option shall cease to be  exercisable)  upon the
cessation of employment.

6. Privilege of Stock Ownership.  The holder of the Option will have none of the
rights of a shareholder  with respect to the Option Shares until such individual
has exercised the Option and has been issued a stock  certificate for the Option
Shares.

7. Manner of Exercising  Option. In order to exercise the Option with respect to
all or any  part of the  Option  Shares  for  which  the  Option  is at the time
exercisable,  Optionee  or a  Permitted  Transferee  (or in the case of exercise
after Optionee's death, Optionee's executor,  administrator, heir or legatee, as
the case may be) must take the following actions:

(i) Provide the  Company  written  notice of such  exercise in  accordance  with
Section 16 hereof,  specifying the number of Option Shares with respect to which
the Option is being exercised;

(ii) Pay the aggregate exercise price for the purchased shares in one or more of
the following  alternative forms: (A) full payment,  in cash or by check payable
to the  Company's  order,  in the  amount of the  exercise  price for the Option
Shares being purchased;  (B) full payment in shares of Common Stock (held for at
least six months if  acquired  pursuant  to an option)  and having a Fair Market
Value on the day of exercise (as  determined  under the terms of the Plan) equal
to the exercise price for the Option Shares being  purchased;  (C) a combination
of such shares of Common Stock and cash or check payable to the Company's order,
equal in the  aggregate  to the  exercise  price  for the  Option  Shares  being
purchased;  or (D) delivery of a properly executed exercise notice together with
irrevocable  instructions  to a broker to  promptly  deliver to the  Company the
amount of sale or loan proceeds to pay the exercise price; and

(iii)  Furnish the Company with  appropriate  documentation  that the person (or
persons)  exercising  the  Option,  if other  than  Optionee,  has the  right to
exercise the Option.

8. Effect of a Change in Control.

(a) Following a Change in Control,  the Option Shares  issuable upon exercise of
any  unexercised  portion  of the  Options  shall be subject  to  adjustment  in
accordance  with the Plan in the event of any changes  affecting  the  Company's
Common Stock,  $.001 par value per share,  as a result of such Change in Control
and the Option shall continue in effect in accordance  with the terms hereof and
the Plan through the exercise period.

(b) For purposes of this Section 8, a "Change in Control" shall have the meaning
set forth in the  Employment  Agreement  dated as of April 5, 1999  between  the
Company and the Optionee (the "Employment Agreement").

9.       Compliance with Laws and Regulations.

(a) The  exercise  of the Option and the  issuance  of Option  Shares  upon such
exercise  is  subject  to  compliance  by the  Company  and  Optionee  with  all
applicable  requirements  of  law  relating  thereto  and  with  all  applicable
regulations of any stock exchange on which shares of the Company's  common stock
may be listed at the time of such exercise and issuance.

(b) In  connection  with the exercise of the Option,  Optionee  will execute and
deliver to the Company  such  representations  in writing as may be requested by
the Company so that it may comply with the  applicable  requirements  of federal
and state securities laws.

10. Liability of the Company.

(a) If the Option Shares exceed, as of the Grant Date, the number of shares that
may without shareholder approval be issued under the Plan, then this Option will
be void with  respect to such excess  hares  unless  shareholder  approval of an
amendment  sufficiently  increasing the number of shares issuable under the Plan
is obtained in accordance with the provisions of the Plan.

(b) The  inability of the Company to obtain  approval from any  regulatory  body
having  authority  deemed by the Company to be necessary to the lawful  issuance
and sale of any common stock  pursuant to the Option will relieve the Company of
any liability with respect to the non-issuance or sale of shares of Common Stock
as to which such approval is not obtained.

11. No  Employment  Contract.  Except to the extent  provided in the  Employment
Agreement,  neither  the  Company  nor  any of its  subsidiaries  is  under  any
obligation  to continue  the  employment  of Optionee for any period of specific
duration.

12.      Withholding.

(a) To the extent federal, state and local income and employment tax withholding
requirements should apply to the exercise of this Option, Optionee hereby agrees
to make appropriate  arrangements with the Company for the satisfaction for such
withholding requirements.

(b) Subject to approval of the Committee,  any  withholding  obligation  arising
from exercise of the Option may be satisfied by any of the following means or by
a combination of such means: (i) tendering a cash payment;  (ii) authorizing the
Company to withhold from the Common Stock otherwise  issuable to Optionee as the
result of the  exercise of the Option,  a number of shares  having a Fair Market
Value,  as of the date of the withholding  tax obligation  arises,  less than or
equal to the amount of the withholding tax  obligation;  or (iii)  delivering to
the Company already owned and unencumbered  shares of Common Stock having a Fair
Market Value, as of the date the withholding tax obligation arises, less than or
equal to the amount of the withholding tax obligation.

13. Other  Restrictions.  Upon any  exercise of the Option,  the  Committee  may
require  Optionee to represent to and agree with the Company in writing that the
shares  are  being  acquired  without  a  view  to  distribution   thereof.  The
certificates  for such shares may include any legend which the  Committee  deems
appropriate to reflect any restrictions on transfer  determined by the Committee
to be necessary or appropriate under applicable securities laws.

                  All certificates for shares of Common Stock delivered pursuant
to exercise  of the Option  shall be subject to such  stock-transfer  orders and
other  restrictions  as the  Committee  may  deem  advisable  under  the  rules,
regulations,  and other requirements of the Securities and Exchange  Commission,
any  stock  exchange  upon  which  the  common  stock  is then  listed,  and any
applicable federal or state securities law, and the Committee may cause a legend
or legends to be put on any such  certificate to make  appropriate  reference to
such restrictions.

14.  Definitions.  Capitalized terms not otherwise defined herein shall have the
meaning ascribed to such terms in the Plan.

15.  Headings.   The  headings  of  Sections  herein  are  included  solely  for
convenience of reference and shall not affect the meaning or  interpretation  of
any of the provisions of this Agreement.

16.  Notices.  Any notice required to be given or delivered to the Company under
the terms of this  Agreement  will be in writing and addressed to the Company in
care of its Secretary at 11600 Sunrise Valley Drive, Suite 100, Reston, Virginia
20191.  Any notice  required to be given or  delivered  to  Optionee  will be in
writing and  addressed  to Optionee at the address  indicated  below  Optionee's
signature line on this Agreement.  All notices will be deemed to have been given
or delivered upon personal  delivery or upon deposit in the U.S.  mail,  postage
prepaid and properly addressed to the party to be notified.

17.  Construction.  This Agreement and the Option  evidenced hereby are made and
granted  pursuant to the Plan and are in all respects  limited by and subject to
the express  terms and  provisions  of the Plan.  All decisions of the Committee
with respect to any question or issue arising  under the Plan or this  Agreement
will be conclusive and binding on all persons having an interest in the Option.

18.  Governing Law. The  interpretation,  performance,  and  enforcement of this
Agreement will be governed by the laws of the Commonwealth of Virginia.
<PAGE>

         IN WITNESS  WHEREOF,  the  Company  has  caused  this  Agreement  to be
executed in duplicate on its behalf by its duly authorized  officer and Optionee
has  also  executed  this  Agreement  in  duplicate,  all as of the day and year
indicated above.

                              InteliData Technologies Corporation



                              By: /s/ William F. Gorog
                                  -------------------------------
                                  William F. Gorog
                                  Chairman of the Board



                                  /s/ Alfred S. Dominick, Jr.
                                  -------------------------------
                                  Alfred S. Dominick, Jr.

                                  Address:  160 South Mason Road
                                            St. Louis, Missouri