Independent Banker - May 2017 - 63

SPECIAL ADVERTORIAL SECTION
Partnering for
Transform Your Branches with Customer-Centric Automation
I
t's a time of transition for community banks as they
modernize their core systems and physical branch
locations to maintain profitability and better serve
customers. When meeting these branch transformation
goals, the challenge will be how to automate basic processes
without sacrificing the customer-centric approach that
customers expect from community banks.
Deploy Customer-Centric Technology
Technology plays a vital role in helping community banks
meet today's challenges. When branches shift their focus
away from high-volume, time-consuming transactions, they
can reallocate resources to high-value, consultative services
that better support customers. This move toward automation
results in making the branch as immersive, meaningful and
efficient as possible.
A mix of ATM, self-service and cash automation technologies
helped First National Bank of St. James, Minnesota
improve operational efficiencies and enhance the customer
experience. According to Kimberly Johnson, chief financial
officer, " This technology allows staff the opportunity to focus
on the more complex needs of our customers. "
Accelerate Deposit Processing
Check deposits are the most common transaction conducted
at the teller window, and they represent a significant opportunity
for automation. Traditionally, checks and currency are
managed as separate functions requiring multiple personnel
in separate work areas-and a lot of time. Today's scanning
and remote deposit capture technologies now enable consolidation
of these functions-eliminating deposit processing
steps, cutting costs and streamlining operations.
Deployment of advanced-function ATMs with automated
deposit functionality also moves transactions from the teller
line-and significantly reduces the time branch personnel
spend handling manual transactions. This creates greater
levels of convenience for customers while dramatically
changing the branch's operating cost model.
Automate Coin Handling
Likewise, self-service coin machines allow branches to
automate or eliminate manual coin-handling processes while
processing more coin in less time. The branch benefits from
increased traffic and improved teller efficiencies, while
customers benefit from an improved experience. For 1st
Bank of Texas and Arkansas, self-service coin redemption
also represents a tangible business opportunity. " One-third
of our coin-machine transactions are with non-customers,
who can be turned into customers. If we didn't have the
machines, we wouldn't have the foot traffic we get from noncustomers.
It's an excellent business opportunity for us, "
notes Genie Clem, AVP marketing, branch operations.
Bob Gibson,
VP Branch Operations
Cummins Allison
Select the Right Partner
Technology selection can help
your community bank realize
branch transformation goals,
but success also depends on the
partner you choose. For more
information on how our expertise
and experience can help you
identify the right solutions to
meet your needs, contact Bob
Gibson, VP, Branch Operations,
or visit www.cumminsallison.com
Bob Gibson, VP Branch Operations
852 Feehanville Dr., Mount Prospect, IL 60056
847-299-9550 | gibsonb@cumminsallison.com | cumminsallison.com
_____________________
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Independent Banker - May 2017

Table of Contents for the Digital Edition of Independent Banker - May 2017
