Q&A Series, Part 2: Unify’s Multi-Channel Capture, Tailored Merchant Solutions, and User-Friendly Interfaces for Tellers
In the first part of our Q&A series, we explored how Unify is transforming payment processing and helping banks and credit unions stay competitive in today’s rapidly evolving banking landscape. Ashish Bhatia, Alogent’s VP of Product Management for Payments, shared insights into the platform’s standout features, its transaction-level approach differentiator, and fraud mitigation capabilities.
Now, in part two, we dive even deeper into Unify, focusing on how it continues to support financial institutions and address the latest trends and challenges in the payments ecosystem with multi-channel capture capabilities, tailored solutions for merchants and SMBs, and user-friendly interfaces for tellers and back-office staff.
Missed part 1 of this Q&A series? Click here
How does Unify support multi-channel capture, including deposit both in and outside of the branch?
Unify enables true omni-channel capture by powering all points of deposit with the same platform and single API. This approach ensures consistency in deposit handling, image capture, and fraud mitigation. Unify’s centralized database allows banks and credit unions to process and validate deposits in real-time, enforcing the same business rules and workflows across all deposit channels. Users are provided with a consistent and frictionless journey, while back-office staff can reduce the manual keying, review and correction traditionally required to reconcile transactions across different deposit channels.
Outside of consumer transactions, how does Unify meet the needs of corporates and merchants?
Tailored to meet the needs of corporates and merchants, Unify offers comprehensive merchant capture solutions that enables fast, secure, and scalable deposit management. Through remote deposit capture (RDC) offerings, merchants and corporates can deposit checks without the need for in-branch visits. The platform’s enterprise web-based capabilities make it accessible for businesses of all sizes and offer flexibility in how and where deposits are made. Multiple scanner integrations and an operating system agnostic architecture provide businesses with a scalable, easy-to-use platform that enhances efficiency.
Can you describe the key advantages of Unify’s single API approach in terms of its integration and efficiency for financial institutions?
Unify’s single API approach simplifies integration across multiple deposit channels—streamlining development efforts when a financial institution wants to expand its footprint into new deposit channels. This reduces the complexity of development and the need to employ specialized teams for siloed lines of business.
Alogent’s approach and common set of code allows banks and credit unions to introduce new services and features more quickly, improving the speed of their go-to-market and enhancing their ability to adapt to evolving user preferences and regulatory requirements.
Separate from account holders, what user interface features of Unify are dedicated to tellers and back-office staff?
Unify offers a robust user interface tailored specifically for tellers and back-office staff, enhancing both efficiency and accuracy in deposit processing. For tellers, Unify provides a streamlined dashboard that visually displays key information based on their role. Tellers can easily decision items, view detailed transaction histories, and perform on-the-spot fraud mitigation, all within a centralized view. Back-office personnel benefit from customizable reporting and insights also specific to their roles and permissions, enabling them to monitor deposit trends, fraud attempts, and system performance, for example, through user-friendly dashboards. This centralized approach allows employees to operate with the information they need readily accessible, speeding access to data and improving decision-making abilities.
How does Unify help banks and credit unions adapt to changes in payment habits and preferences in the market?
Unify enables banks and credit unions to stay ahead of changing payment habits by offering a flexible, omni-channel platform that supports all deposit channels—be it in-branch or through self-service points of capture. As consumer demand shifts toward more digital, on-demand banking, Unify provides seamless, real-time processing that delivers fast, consistent user experiences that mimic in-branch engagements. Its scalable, cloud-native infrastructure supports growth and volume fluxes, allowing banks and credit unions to handle changing transaction volumes without sacrificing performance or security for speed and convenience. Unify’s future-proof design ensures adaptability to emerging trends, keeping financial institutions competitive and responsive to evolving market needs.
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