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

1. August, 2011
Optimizing ATM Transactions with Intelligent Deposit

2. Agenda
• Trends in the banking market
• Business issues solved by
Intelligent Deposit
• Member experience
• Case studies
• The Solution
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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
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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
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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
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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
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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?
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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
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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
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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
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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
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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
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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.
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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
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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
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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.
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21. How Do I Start?
Improving operational
efficiency
Point-of-Service Exceptional member
Experience
Solutions experience
Expand Branch
Footprint
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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
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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
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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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26. The Solutions

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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29. The Solutions

30. End-to-end deposit processing
ATM Network
Host Distributed Capture
Check Images
Check and Cash
Deposit Transactions
Physical Checks
ATM Check NCR Bunch
Processor Note Acceptor
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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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33. SDM overview
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34. Questions?

35. Thank you!
Contact Information:
Malon.Updike@ncr.com
770-418-4660
Paul.Verra@ncr.com
+31 35 60 32 935
www.nafcu.org/ncr
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