Frictionless Fulfillment and Service

Accelerating account opening and loan origination while seamlessly integrating continuous customer service and proactive risk management.

Attaining Frictionless Account Opening and Loan Origination

Our end-to-end account-opening and loan-origination process supports consumers and businesses across all entity types, including accelerators for data capture and automated decisioning. Our software includes accelerators for data capture, customer verification, customer and account due diligence, automated decisioning, document generation, e-Signature, follow-ups, funding, and account booking.

Automated filters and decisioning

Because of automation, increases in volumes from digital are no longer a burden to staff. The solution applies the bank’s policies and business rules to enable automated decisions for approval, review, and decline. This process best uses staff to review only accounts needing more information before a judgment decision can be made. Digital application monitoring facilitates banker review as needed. This operational review addresses any exceptions to the standard rules while still accounting for best practices for account opening and funding.

Workflow routing

Real-time and workflow-based exception processing ensures a compliant and consistent process across all channels. Workflow connects the front-office and back-office teams to ensure the task is assigned to a skilled resource to work the exception. Book new accounts with automated core integration. Automated onboarding directs follow-up and guides the customer to account usage.

Paperless processing

Paperless processing and e-signature remove the need for paper documents. It automatically generates electronic documents for new accounts. Document-driven workflow monitors SLAs and notifies staff when the customer uploads a document. Customers can e-sign documents in the branch or remotely. Fully signed documents and other supporting documents are then automatically sent to the enterprise content management system for storage and ongoing retrieval.

Funding

The bank’s actions regarding funding depend on the method used. For example, if it’s ACH funding, it verifies account ownership before processing the transaction. Check funding goes through your FI’s current checking processing and controls, applying appropriate holds.

Learn more: Frictionless Fulfillment

Real-Time Service, Maintenance, and Relationship Expansion

Beyond initial acquisition, optimizing the customer delivery model requires seamless real-time account maintenance and tight collaboration between frontline staff and back-office operations. Equipping contact center agents and branch personnel with a workflow automation engine streamlines routine requests—such as address updates, transaction disputes, and complex exception routing—while strictly adhering to institution-defined service-level agreements (SLAs).

Learn more: Deliver Service Excellence

Risk Management

Maintaining institutional safety and sound compliance controls across the physical branch and contact center networks requires an updated, proactive defense strategy. Our comprehensive authentication and fraud prevention framework integrates automated compliance, credit risk assessment, and operational safeguards to protect your institution’s reputation without adding friction to the frontline branch experience.

We provide a 360-degree customer authentication and fraud prevention strategy with six capabilities.