Simplifies onboarding through real-time identity verification, automated rules-based decisions, and a centralized application review process with audit-ready documentation every step of the way.

This means your team can focus less on manual processes and more on delivering meaningful value.

• Capture and auto-fill basic personal identify information
• Qualify applicants against risk and fraud threats
• Vertifi applicant identity (often with third-party data sources)
• Fund the account in real time through a debit/credit card
• Integrate with the core banking system
• Contextual prequalification and cross-sell of products and services
• Online and mobile single sign-on
• Omnichannel integration to save and resume account opening at any point in the process
• Electronic signatures
• Photo or file upload of supporting documents (identification, agreements, etc.)

Communications, Member Journey and Engagement

Opening accounts digitally is a unique member journey. Some members complete the application while others
“Save & Continue Later.” Some open a savings account only while others go ahead and open a Checking account as well. To assist members through the process, we have customized marketing engagement email campaigns that you can implement.

Seamless User Experience

We offer workflows and strategic integrations to streamline the customer experience and seamlessly move
the applicant to fulfillment. When opening an account digitally, consumers expect to fund the account instantly using standard payment methods including ACH, Credit and Debit Card. We offer many ACH options as well as Alacriti for Credit and Debit Card.

Admin Protocols, Configurations and Security

Deda Sphere Digital Account Opening application provides a robust, integrated and secure system to manage your new account applications. Once approved, the account information will automatically be pushed into the core,i-POWER, system instantly!

Peace of Mind

We understand the importance of data protection and security. So, we balance security and user experience with many options, customizations and strategic third-party integrations to help your financial institution configure a solution that works for you and your members.

• Data Encryption – All personal data (SSN, DOB, ID Number, etc.) are stored encrypted within our database
  in accordance to PII guidelines
• Data Transmission – All data is sent security from applicants’ browser to the Digital Account Opening server
  with mandatory SSL using industry standard encryption algorithms and key length (256-bit)
• Additional Encryption – Form actions and parameters are encrypted at application-level to avoid URL
  scanning attacks
  

Applicant Identity

We provide additional fraud mitigation options and services through our partnerships with leading providers
in specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA).

Offering a Digital Account Opening solution that has a balance of security (secure, risk averse) and user experience (agile, low-friction and engaging user) is an art. We believe it is an ongoing exercise that evolves over time, as needed. Let us help you!