Work that leaves the branch and stays gone.
Applications that complete without a staff touch, exceptions that arrive triaged, and customer and member requests that finish in their own session instead of your queue.
What changes for your team.
Exceptions only
Applications decision against your configured rules and arrive triaged, with decision history, identity results and document status attached. Your staff work the exceptions rather than every file.
CPM Federal Credit Union: −82% manual review effort via auto-decisioning.
Requests finished in the member’s session
A joint owner, a beneficiary, an address change, a card action, statement preferences — verified, completed and written to your core without becoming a branch visit or a call-back list.
70% reduction in processing time.Capitol Credit Union of Texas
Two teams assigned to you
A named project manager and implementation team build your configuration, tune the rules and clear launch issues through sixty days of hypercare. After that, a growth specialist and optimization team use your data to identify where applications, activation and onboarding create avoidable work — and which changes can improve conversion, cross-sell and relationship growth without adding another queue for your staff. They work across consumer and business, deposits and lending, new customers and existing customers, as an extension of your team. Both are included. If you would like to see some of their analysis, talk with us.
NPS of 90, measured across clients of eight years or more.November 2024
Questions we get
Who handles the exceptions? Because it will be my branches.
Your team, but far fewer of them and with the work already done. The point of the decisioning engine is that routine applications never reach a person.
My people can open an account in eight minutes. Why do I need this?
For the ones who never walk in. At Capitol Credit Union of Texas digital became the number one source of new accounts within 90 days — and none of that volume arrived at a desk.
What happens when something breaks at 4:45 on a Friday?
During hypercare the implementation team is on the account watching live volume and clearing edge cases the same day. After that you have an assigned growth specialist and optimization team rather than a queue — the people who know your configuration because they see it every quarter.
How much manual work actually goes away?
CPM Federal Credit Union reduced manual review effort by 82% through auto-decisioning while opening 32% more new accounts. Capitol Credit Union of Texas reported a 70% reduction in processing time. Across the portfolio, 71% of applications are decisioned instantly.
What can members do without calling the branch?
Requests that normally generate a call or a visit — adding a joint owner with their own identity verification, opening an additional product, completing disclosures and e-signature — finish inside the member's own session and write to your core.
What happens after the first sixty days?
A quarterly review, included at no additional cost. A growth specialist and an optimization team deliver a custom analysis of your own data — where applications complete and where they stop, product by product and channel by channel — with the specific changes they would make.