We have already incorporated(5 Points)
Our implementation is underway(3 Points)
Just in our planning stage(1 Point)
Not currently in our strategy(0 Point)
Digital CapabilityMobile-First Application
What is it?Single responsive website built for phone, tablet, laptop/desktop, easy access when in-branch unavailable.
Why is it important?Over 80% of all online applications are originated on mobile devices
Digital CapabilityUniversal Application Portal
What is it?Ease of use and familiarity for customers. Flexibility and control for the institution via web-based management. Promotes cross-selling across product lines.
Why is it important?Simple single platform experience for all customers and products, easily managed by the institution in real time without engaging provider, incurring expense, or delays
Digital CapabilityOmni-Channel Application
What is it?Multiple entry points for customers/members - home, on mobile, in-branch, at events, at a business, QR codes on mailers, in a call center.
Why is it important?The Point-of-Sale is everywhere, anytime
Digital CapabilityDigital Customer Service
What is it?Online text and voice chat, live and AI-driven assistance
Why is it important?Instant customer response in any channel
Digital CapabilityAny Account Type
What is it?Engage and capture ALL customer types in minutes, 24/7/365.
Why is it important?Offer and onboard personal, business, HSA, DDA, CD, savings, money markets, trusts, and IRAs
Digital CapabilityAny Loan Type
What is it?Engage, approve, and fund in minutes, 24/7/365.
Why is it important?Offer and close personal, business, direct, indirect, mortgage, secured, unsecured, HELOC, credit card, and other loan types
Digital CapabilityAutomated Indirect Lending
What is it?Make it easy to digitally engage dealers and merchants, capture more market share with instant approvals.
Why is it important?Offer and instantly approve auto, power sports and retail POSfinancing
Digital CapabilityLead-Generation Integration
What is it?Leverage 3rd party services to drive digital traffic. Promote non-branch options when branch traffic is reduced.
Why is it important?Expand institutions’ digital presence and market coverage
Digital CapabilityAccount and Loan Origination from OnlineBanking
What is it?Increase customer profitability, security, and ease of use by leveraging online banking infrastructure.
Why is it important?Engage current customers using existing, familiar digital channel from in front of and behind the pin
Digital CapabilityAutomated Form Pre-Fill
What is it?Scan driver’s license, use a cellular database, or pull from core to pre-populate forms with data from trusted sources.
Why is it important?Save customer time, increase data accuracy
Digital CapabilityAutomated Text and E-mail Messaging
What is it?Instantly connect with customers for questions, updates, exceptions. Reduce branch visits and call-center traffic.
Why is it important?Real-time and secure digital customer interaction
Digital CapabilityAutomated Decisioning
What is it?Automatically approve accounts and loans instantly, in-session. Remotely administer scoring and workflows.
Why is it important?Digital customers demand real-time decisions or they’ll shop elsewhere
Digital CapabilityReal-time ID and Fraud Checks
What is it?Digital data acquisition, crossreference, and validation from any number of online services.
Why is it important?Multi-level, multi-factor security
Digital CapabilityAutomated Cross-Sell
What is it?Leverage data and engagement in real-time to expand customer relationships and profitability.
Why is it important?Offer and close multiple loan and deposit products with a single application
Digital CapabilityReal-time Data Service Integration
What is it?Broad and deep network of connected services provides everything institutions need to safely acquire new customers.
Why is it important?Leverage hundreds of data services for instant, automated processing in all stages of account and loan lifecycles
Digital CapabilityAutomated Document Upload
What is it?Customers upload documents using mobile device camera or stored documents. Automatically classified and attached.
Why is it important?Digital capture of any required customer documents
Digital CapabilityAutomated and Dynamic Workflow and Rules
What is it?Flexible process automation to improve staff efficiency, turn times, increase productivity and capture rates, eliminate bottlenecks, manage remotely.
Why is it important?Instantly manage exceptions, escalations, and customer interaction
Digital CapabilityAdvanced Decisioning
What is it?Data, reporting, and modeling to monitor performance and improve processes
Why is it important?Automated analytics and intelligence to maximize profits and minimize risk
Digital CapabilityAutomated Collateral Valuation
What is it?Enables automated underwriting and valuation-based loan offers for auto and power sports lending.
Why is it important?Real-time valuation data acquisition
Digital CapabilityAutomated Electronic Documents
What is it?Leverage existing compliant document libraries and dynamic document services.
Why is it important?Real-time compliant document generation and presentation
Digital CapabilityElectronic Signatures
What is it?In conjunction with electronic documents, eliminates paper, processing delays, and reduces in-person contact.
Why is it important?Immediately accept terms, sign all required documents at any point of sale
Digital CapabilityAutomated Funding
What is it?Quickly fund via ACH, GL, account transfer and other electronic methods to increase customer and dealer satisfaction
Why is it important?Digitally deliver loan proceeds to direct or indirect payees
Digital CapabilityAutomated Onboard toCore, Online Banking, and Document Storage
What is it?Quickly move data and documents to core banking systems and online/home banking to immediately engage customers
Why is it important?Instant customer and institution access to newly generated accounts and loans