Applications
Your applicants and your employees alike want a fast, intuitive application process. OpenAnywhere offers both an Applicant Channel and an Employee Channel that bring your highly customizable workflows to life, delivering the right journey for each audience.
Applicant Channel
The Applicant Channel in OpenAnywhere is designed to open accounts for new and existing consumers and new business applicants in five minutes or less, walking applicants through a workflow to quickly gather the information needed to open a new account.
Available on any desktop, laptop, tablet, or mobile device, applicants can pause their application and pick up right where they left off - even if they switch devices.
Note: Existing businesses at a bank or credit union can only open accounts through Employee Channel at this time. Functionality to support existing businesses adding new accounts through the Applicant Channel will come in the future.
How it works
The Applicant Channel can be accessed through a URL on your website or single sign-on through the Banno Digital Platform, and presents a series of workflow pages called workflow states that are configured in the Management Console.
- Action States perform operations in the background, such as creating a new applicant or linking an applicant to an account and includes items like:
- Create New Applicant
- Link Enrollment Applicants
- Set Primary
- Set Suggested Roles
- Set Ownership
- Set Suggested Titles
- Auto Add Services
- Configure Share Accounts
- Decision States present questions to the user and direct the workflow based on their answers. These workflow states are unique to the Applicant Channel. These include:
- New vs. Existing Applicant Decision
- Additional Applicant Decision - this decision state offers the ability to include additional yes or no questions into the application workflow, like “Would you like to add another applicant?” to determine what workflow path the applicant should experience next
- Information States are pages where applicant information is collected, including information like:
- Initial Disclosures
- Capture (which can include optical character recognition if your institution has a contract with an OCR vendor like IDScan.net if contracted)
- Promo Codes
- Business Information
- Personal Information (name, addresses, contact information, etc.)
- Identification
- Branch Selection
- Product Selection
- Services
- CIP
- Funding
- Final Disclosures
- Demographics
- Employment
- Prequalification
Employee Channel
OpenAnywhere’s Employee Channel lets in-branch or contact center employees drive the account opening process by walking applicants through a pre-configured workflow. Available on a desktop or tablet, this intuitive system makes it easy for your employees to capture new accounts from the office, at events, or while making business development calls in the community.
How it works
Once logged in, the employee can create a New Person Workspace or a New Business Workspace to begin a new account opening session or search the list of Existing Workspaces and Open an Existing Workspace to help an applicant complete an application that’s in process, whether they began it online, at a different office, or over the phone.
Once the workspace type is selected, the employee will be guided through a series of workflow pages based on how the workflow has been configured in the Management Console. It may include steps like:
New Person Workspace
- Adding a person into the workspace
- Managing initial disclosures
- Scanning identification
- Adding personal information
- Selecting products and roles
- Adding additional services
- Designating beneficiaries
- Funding the new account
- Managing final disclosures
New Business Workspace
- Adding a business to the workspace
- Managing initial disclosures
- Business verification and CIP
- Adding signers and capturing business relationship information
- Selecting products and roles
- Adding additional services
- Designating beneficiaries
- Funding the new account
- Managing final disclosures
Employees can work with a customer to complete the application process all at once, or can save an application that’s in process and return to it later. They can also use the Employee Channel to send a Continuation Link to pending applicants using the Pigeon Carrier email function.
Pigeon Carrier Emails
Emails and SMS messages to applicants can be sent using the Pigeon Carrier function at various points in the account opening process using automation that’s based on application triggers. The bank or credit union can create or modify pigeon carrier messages using the Management Console, and can include automated notification messages including the Disclosure pigeon carrier that allows an applicant to email their disclosures, a Welcome_Contact pigeon carrier that can be used when the applicant reaches the Congratulations workflow state, or the OpenContinue pigeon carrier to help an applicant return to their existing workspace.