Retail Banking 

Retail Banking Software

The branch: big value for customer interactions; big costs to operate.

The branch continues to lead as the #1 choice for customers to conduct their financial business. It also continues to be the most expensive channel to operate. The good news is that opportunities to reduce cost in the branch are everywhere: Loans/New Accounts, ATM, Document Management, Back Counter, Safe Deposit Box. And making the branch more efficient means increased profitability and more opportunity for up- and cross-selling.

YOUR CHALLENGES, YOUR OPPORTUNITIES

Challenges exist at every point in the branch — and our solutions turn them into opportunities.

  • Loans/New Accounts. Where branch and customer meet face-to-face and accuracy, speed and satisfaction are paramount. Here you need to reduce risk, speed processing, ensure compliance, increase productivity, smooth workflow, and reassure and engage customers.
  • Teller Line. Customers and employees alike need the teller line to be the quick link to the back office. Here you need to speed deposit processing, minimize loss, increase productivity, smooth workflow, ensure accuracy and reduce back-office costs. 
  • ATM. Customers love the speed and ease of image-enabled ATMs. If you can eliminate envelopes, cash tickets and deposit slips, you can make ATM processing green and paperless. Here you need to speed deposits, reduce waste, increase productivity, smooth workflow and satisfy customers.
  • Back Office. Scanning documents and conducting research are time-consuming tasks. This area is where you need to increase productivity, smooth workflow, minimize errors, and reduce risk.
  • Back Counter. The continued evolution of branch capture solutions speaks to the importance of leveraging this area to reduce the cost of deposit processing. Capturing deposits on the back counter at the branch needs to speed up deposit processing, reduce transportation costs and reduce item processing, FTE and equipment requirements.
  • Safe Deposit. Getting the critical mix of tight security and easy access can be difficult. Here you need to guarantee identity, improve reporting and insure compliance.


OUR BENEFITS

At every point in the branch, our solutions meet challenges, cut costs and optimize operations.

  • Loans/New Accounts. Our solution automates the signing, routing scanning and indexing of new account and loan documents. Documents are signed digitally and processed electronically, eliminating the need for couriers. All identification documents are available immediately at the teller line for transaction verification.
  • Teller Line. Our solution captures deposits and loan payments at the moment they're presented. Image capture, virtual image creation and transaction completion occur right at the teller line, reducing downstream item processing effort and speeding up the posting and clearing processes. 
  • ATM. The scanning and capture of check image deposits at the ATM increases the speed of money movement, eliminating the need for daily trips to the ATM, decreasing item processing and improving fraud avoidance.
  • Back Office. Accelerating the availability of digitized information throughout the organization improves workflow, reduces transportation needs, speeds up research and makes compliance audits smoother.
  • Back Counter. Our solution allows tellers to capture transactions on the back counter — speeding time to process, reducing transportation costs and allowing reallocation of back-office personnel. Maximize branch efficiency through custom deployment from transaction capture only through full deposit balancing. 
  • Safe Deposit. Utilizing state-of-the-art technology, our solution enhances safe deposit box access with electronic signatures and photos. Maintain the ultimate level of confidence and compliance in this highly secure area of your branch.