Deposit volumes at ATMs have nearly doubled for many credit unions in the past couple of years. What’s driving this growth and is your credit union taking advantage of it?
Download slides from this recorded webinar for credit unions as we explore state-of-the-art Intelligent Deposit ATM technology and how it benefits credit unions.
Learn more at http://www.nafcu.org/ncr
Our approach to segmentation recognises the uniqueness, dynamism and individuality of markets. This is because from our experience, global solutions and ‘one-size-fits-all’ brands have all too often produced less than actionable results for the highly diverse African market place.
Our approach to segmentation recognises the uniqueness, dynamism and individuality of markets. This is because from our experience, global solutions and ‘one-size-fits-all’ brands have all too often produced less than actionable results for the highly diverse African market place.
New information strategy, Advanced Case Management (IBM Information Management)IBM Danmark
Læs mere om strategien bag IBM’s nylancerede Advanced Case Management-løsning, og lær hvordan den kan skabe konkrete forretningsmuligheder for din virksomhed.
Læs mere her: bit.ly/softwaredagim1
IBM Information Management - Optimera er verksamhet och öka kundnyttan med nä...IBM Sverige
Marknadens krav på ökad kundservice, insikt, kontroll och helhetsvy av information och
kund, samt regelverk ställer höga krav på hur företag hanterar sina ärendeprocesser
och affärsinformation. IBM adresserar detta genom att annonsera Advanced Case
Management, som kombinerar alla de egenskaper som behövs för en effektiv och kvalitativ hantering.
Talare: Mathias Sognefors, Nordic ECM Sales Lead, IBM
Denna presentation hölls på ett seminariepass för Information Management under IBM Software Day 2010.
New information strategy, Advanced Case Management (IBM Information Management)IBM Danmark
Læs mere om strategien bag IBM’s nylancerede Advanced Case Management-løsning, og lær hvordan den kan skabe konkrete forretningsmuligheder for din virksomhed.
Læs mere her: bit.ly/softwaredagim1
IBM Information Management - Optimera er verksamhet och öka kundnyttan med nä...IBM Sverige
Marknadens krav på ökad kundservice, insikt, kontroll och helhetsvy av information och
kund, samt regelverk ställer höga krav på hur företag hanterar sina ärendeprocesser
och affärsinformation. IBM adresserar detta genom att annonsera Advanced Case
Management, som kombinerar alla de egenskaper som behövs för en effektiv och kvalitativ hantering.
Talare: Mathias Sognefors, Nordic ECM Sales Lead, IBM
Denna presentation hölls på ett seminariepass för Information Management under IBM Software Day 2010.
Investment Insights from NIFCU$: Standard & Poor's Downgrades U.S. Government...NAFCU Services Corporation
Standard & Poor’s (S&P) has downgraded their U.S. Government long-term AAA debt rating to AA+ for the first time since granting it in 1917. While forewarned, it still seems to have taken investors by surprise. Fitch and Moody’s recently re-affirmed their top-tier rankings of U.S. long-term debt, however. We do not expect S&P’s downgrade will have much impact on interest rates or the sale of Treasuries to finance U.S. borrowing, particularly if both Moody’s and Fitch continue to maintain their current top-tier ratings. The consequences of S&P's U.S. Government downgrade will likely have a greater emotional impact on investor sentiment, exacerbated by the European chaos, than any longer term impact on the economy or fixed income liquidity.
Learn more from NIFCU$ at http://www.nafcu.org/nifcus
Een andere kijk op procesimplementaties - itSMF Academy 2011Jordi Recasens
CobiT, MOF, ITIL, ISO, ASL, BiSL, Six Sigma. Met al die frameworks zou het voor een serviceorganisatie toch een koud kunstje moeten zijn de dienstverlening te verbeteren? Toch levert het toepassen van dit soort frameworks in de praktijk vaak problemen op. Wat is hiervan de achterliggende oorzaak?
In deze interactieve sessie deelt u uw kijk op procesimplementaties met vakgenoten aan de hand van een praktijkcase. Met deze case, enkele aspecten uit de veranderkunde en veel ervaring uit de praktijk wordt er een verfrissende visie gecreëerd op het implementeren van processen.
Na deze sessie benadert u uw procesimplementaties vanuit een geheel ander perspectief! (gepresenteerd door Jildert de Groot en Jordi Recasens op itSMF Academy 2011)
To keep pace with the ever increasing demand for real-time customer service, shifting to mobility has become inevitable for the insurance industry. In today's scenario, where real-time servicing of customer requests 'on the fly' has become a norm, mobile technology seems ideally positioned to
enable insurers gain a competitive advantage.
To keep pace with the ever increasing demand for real-time customer service, shifting to mobility has become inevitable for the insurance industry. In
today's scenario, where real-time servicing of customer requests 'on the fly' has become a norm, mobile technology seems ideally positioned to
enable insurers gain a competitive advantage. Mobile solutions enable faster and improved communications between customers, field agents,
and the central processing office of the insurer.
Adopting mobile technology can help insurers
enhance customers' experiences, increase
productivity, while keeping a check on costs, and
mitigating operational risks.
Tavant Technologies Showcases its Field Service Mobilty Solution at WCM 2012 Tavant Technologies Inc.
Automation of Warranty Management applications helps improve warranty KPIs and reduce costs. But there is another other side of warranty that connects to the field repair process, which is often overlooked.
Service technicians are usually in the field to fix the customers’ problems proficiently, and should not be bothered with any other issues that could delay or hold their work. Be it preventive maintenance, unscheduled repair or warranty replacement, troubleshooting and decision making in the field is often intricate and time-consuming.
Also, field technicians strive to understand complex contract or warranty entitlements, policies, or service bulletins to make on-field decisions on troubleshooting or to evaluate the coverage for billing and warranty or service contracts.
Therefore, it’s important for organizations to mobilize their field service staff by automating the field service tasks, and connecting transactions in the field with warranty, contracts and other backend ERP systems.
In this white paper, the author discusses the real-life challenges faced by field technicians and how they can be empowered with mobility solutions to improve field productivity, increase accuracy of diagnostics, reduce warranty and invoicing cycle times, enhance service revenues, and most importantly, improve customer experience to make service excellence a strong selling point.
Learn from the largest subservicer how best to evaluate and select the right subservicing partner for your credit union based on your portfolio, investor mix, product range and other key selection factors.
Nearly one-third of Americans surveyed by Securian Financial Group say they haven’t thought about what would happen to their debt if they – or their cosigners – were to pass away unexpectedly. Fewer than 13 percent say they have taken steps to protect themselves from the sudden loss of a borrower.
With the tsunami of new regulations from NCUA and the CFPB, getting good at compliance is becoming a key success factor for credit unions. In this podcast and presentation from the 2013 NAFCU Annual Conference, Toné Gibson explores how your credit union can develop a cost-effective approach to strike a better balance between compliance and operational efficiency. Through the utilization of three methodologies – strategic development, process excellence, and performance management – learn in detail how to reduce the cost of compliance.
Wolters Kluwer Financial Services is the NAFCU Services Preferred Partner for Consumer and Member Business Lending & Deposit Services. More educational resources and contact information are available at www.nafcu.org/wolterskluwer.
Consumers are willing to pay for services that they find either adds convenience or delivers value. In this podcast and presentation from the 2013 NAFCU Annual Conference, Dave Schneider, Brent Dixon, and Paul Muse discuss how to expand your credit unions credit and debit opportunities and explore innovative products that can help guide your future credit union operations, including new approaches to increasing penetration, activation, and usage of the fundamental card. Also, learn to leverage new payment options that will appeal to Gen Y consumers, including Internet PIN debit, PINless at the point of sale, and payments and delivery of service through mobile.
Succession planning is the right people at the right time doing the right work. In this podcast and presentation from the 2013 NAFCU Annual Conference, Deedee and Peter discuss how you can develop a strategic organization successional plan to ensure the successful transition of key leadership for your credit union. This session covers an overview and best practices, levels and types planning, board evaluation, behind the scenes conversions, and the integration of board succession planning with CEO succession planning.
Rising Above Uncertainty: Opportunities and Challenges for Credit Unions in P...NAFCU Services Corporation
The retail financial services market is in a transformative period where new stakeholders and business models are reshaping the industry. Credit unions still have the opportunity for retention and growth, but must continue to compete. In this presentation, you will get an in-depth look at key market dynamics, including evolving financial services models and regulatory impact; learn about emerging strategies and their impact to credit unions, including EMV, prepaid, and mobile; and find out how to prepare for the future.
In this presentation from the 2013 NAFCU Annual Conference, Barrett Burns provides a comprehensive analysis of credit score models and discusses how your credit union can utilize them for member outreach and education.
Listen to the full podcast here: http://www.nafcu.org/NAFCU_Services_Corporation/Partner_Library/Credit_Scores__What_s_Behind_the_Number___Podcast_and_Presentation_/
2013 NAFCU BFB Survey of Executive Compensation and Benefits (Presentation Sl...NAFCU Services Corporation
First introduced in 2007, the NAFCU-BFB Survey of Federal Credit Union Executive Benefits and Compensation was created to better understand the compensation and benefits for the top five executives of Federal credit unions. For more info: www.nafcu.org/bfb
Study Confirms Debit Strength, Reveals Reward Trends (Payment Choice Study Re...NAFCU Services Corporation
TSYS partnered with Mercator Advisory Group to conduct the 2012 Consumer Debit Payment Choice Research Study. This unique study combines survey questions and focus groups, enabling researchers to have an interactive discussion with participants about payment choices and influences, technology awareness and overall user experiences. Learn more at: www.nafcu.org/discover
Before you embark on the critical path of defining (or redefining) your mortgage strategy, there are five basic truths you need to know and build into your planning. From expenses and technology to people and process, these truths are an essential part of any mortgage discussion. This webinar shares the research behind each tenet and how you can incorporate them into your strategy. Learn more at: www.nafcu.org/morgtagecadence
There is an unprecedented focus today around the future of retail branch networks. Credit union executives are seeking new ways to economically alter the scale, reach, and character of their branch assets to drive growth and enable expansion in profitable new territories and non-traditional locations. While the channel is universally acknowledged as best for both member acquisition and sales, the economics must change in order for this way of member-centric financial services to thrive and realize its potential in the new, consumer-driven, omnichannel environment. For more info: www.nafcu.org/ncr
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
2. Agenda
• Trends in the banking market
• Business issues solved by
Intelligent Deposit
• Member experience
• Case studies
• The Solution
NCR Confidential 2
3. Paul Verra, NCR
Malon Updike, NCR
The Next Evolution of Intelligent Deposit
4. Polling Question #1
Have you deployed deposit automation (no envelope)?
1. Yes
2. No
NCR Confidential 4
5. Common Issues
Common Financial Institution Issues
Reducing the cost of transactions, a closer focus on teller costs
Enabling revenue-generating transactions beyond deposit to account; e.g., bill payment
Transaction-centric to sales-centric branches
24x7 convenience for members
Eliminating disputed deposit transactions
NCR Confidential 5
6. Trends in the financial service market
Risk Mitigation Intelligent Deposit,
Fraud Regulatory Cost Multivendor Remote Deposit
Management Compliance Reduction Strategies Capture & Truncation
Managing Operations
Manage Cost & Control Risk
Member Member Merged Branch
Intimacy & Experience Mobile and Channel Experience
Loyalty Personalization Online Integration Redesign
Focusing on the Member
Grow Revenue & Improve Service
NCR Confidential 6
7. Business issues solved by Intelligent Deposit
Cost reduction through operational efficiency
Member experience
Revenue generation
“The self-service channel we provide “We are selling more credit cards and housing
enables consumers to carry out loans, and the repayment of these can
transactions quickly, at a time and actually come through the Express Cash
location that suits them.” Deposit Machines.”
- Daniel Stancu, Global Transaction Services, - Cillia Thang, IT Project Manager, HSBC
Citibank Romania
NCR Confidential 7
8. Polling Question #2
What issue would you like to resolve by implementing Intelligent
Deposit?
1.Cost reduction through operation efficiency?
2.Enhanced member experience?
3.Revenue generation?
4.Expanded footprint?
NCR Confidential 8
9. Operational Efficiency
How does the cost of accepting deposit transactions at the
teller compare with accepting them at the ATM?
10. Improving branch efficiency
APTRATM Self-Service
Assistant
Member deposit Branches and the back office will make fewer adjustments
amounts match /per-year-saving time, postage, and member frustration
Faster diagnosis and resolution
the member receipt of faults
With faster and easier fault identification and resolution, staff
Onboard tuition for
spend less time fixing/maintaining and more time selling
new and inexperienced staff
Less time spent on
2x faster identification and resolution of issues
FLM tasks
Branches spend millions of hours/per
year supporting teller deposits
Less time processing
ATM deposits in Faster and more accurate
With NCR SelfServ™, branch staff will spend less time
the branch fault identification and
supporting the ATMs and errors will be virtually eliminated
resolution
Minimize SLM escalations,
improve staff training
NCR Confidential 10
11. Business services
Address the problems faced by your business members
24x7 service critical to time-poor business members
Intelligent, daily deposit-based transactions
Bulk cash deposit
Multiple check deposit
Bill or loan repayment - through a credit union’s self-service network
Effective cash flow solutions
Cash and check immediately validated, deposited value credited in realtime
Supports “last-minute” payment of bills, repayments and other payment transactions
Reduce check deposit cost, fees and fraud
Enhanced funds availability
NCR Confidential 11
12. Revenue Generation
What initiatives do you have to sell more products
and services within your branches?
13. Revenue generation
Revenue Generation
Release branch staff to sell
Generate revenue from
fees/service charges/commission
Minimize SLM escalations,
faster and easier staff training
NCR Confidential 13
14. Member Experience
What impact does queuing have in the branch and on
member experience?
15. Polling Question #3
Do you still have members coming into your branch/lobby/drive through
to make a deposit transaction?
1. Yes
2. No
NCR Confidential 15
16. “95% of consumers associate the level of service they
receive in the branch with the overall impression they
have of the financial services provider.”
- Synergistics Research Corporation
NCR Confidential 16
17. The member experience…
Will it make you or break you?
• Research has shown that a large FI could
experience a swing in revenue by as much
as $242M depending on the levels of the
customer experience it provides.
• FI revenues could change by $242 million. A
large FI with customer experience in the top
quartile could end up with $43 million of
additional purchases and $51 million of lost
business avoided, resulting in an additional
$94 million of revenue. FIs in the lowest
quadrant, however, can end up dropping
$148 million below the norm.
• Getting the member experience right can help
deliver tangible business results.
• Attract and retain members.
• Sell more products and services per
household/members.
NCR Confidential 17
18. Improving the member experience
Faster Transaction
No More Envelopes
& Real-Time Printing
Member deposit amounts Missing envelope is a common
match the member receipt member frustration
Faster print and shorter
receipts with 2ST™ Technology
Extended Deposit
Check images printed on the Cutoff
back of receipt providing
proof of deposit
Credit Unions can extend the
cutoff as they are no longer
Members get
dependent upon processing
Timely Credit to the physical checks
Their Deposits
Immediate credit for
validated cash, even checks
Proof of deposit via itemized
receipt including the check image
NCR Confidential 18
19. Member migration = acceptance
Added Member Reduced Time
Convenience Spent Queuing
24x7 Intelligent Deposit 30 minutes reduced to
services 7 minutes
More accessible and
available
Intuitive and
Easy to Use
Fast Transaction
Compact and intuitive user
Speed interface maximizes adoption
Around 60 seconds Consistent user
versus 3 minutes experience in any
average at the teller location
NCR Confidential 19
20. In summary…
Operational Member
Revenue Generation
Efficiency Experience
NCR can unleash cost NCR has the only platform With a compact and
savings of up to 25% per that puts time back into intuitive user interface,
teller for deposit the hands of your branch fast transaction time,
transactions. NCR is the staff. With the highest coupled with on-screen
only solution provider that reliability levels and a imaging and industry-
allows you to eliminate state-of-the-art full motion leading printing
paper waste and print video lead through, staff technology, NCR SelfServ
check images on both sides spend less time fixing. is the only ATM in the
of the receipt. With the marketplace to deliver an
highest levels of availability, unrivalled and fulfilling
you can reduce the cost of user experience.
deposit acceptance and
processing.
NCR Confidential 20
21. How Do I Start?
Improving operational
efficiency
Point-of-Service Exceptional member
Experience
Solutions experience
Expand Branch
Footprint
NCR Confidential 21
22. Case studies
Look what members have achieved with Intelligent
Deposit from NCR
23. Extraco Bank, USA
Deliver to customers the opportunity to bank where, when and how they wish
Business
Integrate the advanced functionality in their ATM network
Challenges
Support the new model without sacrificing brand image and hard-earned, valued
relationships already established with its customers
A total end-to-end solution—offering hardware, unrivalled APTRA software
The Solution Accept and validate cash and checks in real time
Extraco branded and trademarked their machines, renaming them “iTMs” to distinguish them from
their traditional cash dispensing ATMs with the help of NCR consultants
Within two months, cash and check deposits had exceeded 1,100 transactions per month
The Results The response from customers was so positive that it prompted the order of additional NCR SelfServ
ATMs
Six months after their installation, Extraco was processing over 8,800 deposits per month (equivalent
to approximately three FTEs if the same transactions were carried out in the branch).
“One of the main reasons why Extraco made the move to NCR
was that it demonstrated a real understanding of self-service. It
not only matched our strategy, it enhanced it. NCR had to prove
its hardware, its software and its ability to provide an excellent
service to us. On all counts, they’ve more than exceeded our
expectations.”
-Sandra Dixon, EVP/Group Executive, Operations
NCR Confidential 23
24. Consumer Payments – Citibank, Romania
New bill payment collection channel for corporate customers to reduce late payments and high processing
costs
Business
Easy identification of payments to facilitate consumer adoption
Challenges
Reliable 24-hour payment channel able to cope with variable climate
User-friendly solution that identifies payee, amount and issuer
The Solution Accept and validate cash in real time with overpay credited toward next payment
Reliable channel handling high volumes of transactions in adverse environmental conditions
Citibank further strengthened its relationship with its customer base and is attracting new corporate customers
The Results Bank is generating per transaction fee income and improving brand awareness
2,000 payments per month, increasing cross-selling opportunities
“The self-service channel we provide enables
consumers to carry out transactions quickly, at
a time and location that suits them.”
-Daniel Stancu, Global Transaction Services,
Citibank Romania
NCR Confidential 24
25. ABNB Federal Credit Union - USA
Expand coverage in Chesapeake Virginia
Business
Challenges Gain competitive advantage in a highly competitive market
Attain minimum of 6% market share in 3 mile radius
Deposit Automation ATM that accepts checks and cash
The Solution End-to-End image processing of the checks to reduce CIT costs
24 x 7 image deposit capability
Now processing 5,000 more deposits a month with no increase in staff
The Results Cost to provide the new service is one-fifth the previous costs fro envelope processing
Member feedback has been very favorable and members have quickly accepted new technology
“The cost efficiencies make it practical for
any size institution to deploy deposit
automation…A picture is worth a thousand
words.”
- Carl Ratcliff, President and CEO
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27. Polling Question #4
Assuming a touchscreen ATM, what is the optimum number of 'touches’
your members should make in order to complete a deposit transaction:
1. 0-4
2. 5-7
3. 8-10
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28. Deposit evolution in the US.
Single check
Envelope deposit and
cash deposit
Bunch check Bunch check
deposit and
cash deposit
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31. The Best Member Experience
• Deposits as easy as 1-2-3
• Single Bunch
• Cash and Checks
• One Slot Insert
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32. The Scalable Deposit Module (SDM)
Single member interface
• Accepts up to 50 notes or checks
• Up to 1800 notes and 1600 checks
capacity
• Supports mixed cash and check
deposits*
• Checks inside safe
• No coin dispenser restriction
* Depending on software and host
environment
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