Creating a paperless environment

Part 4 - Emortelle's Online Services

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By 2020, most customers will conduct business without human interaction.
Daily Examples:

* Interaction with Government services - taxes filed online,
* Student Services - sign up online
* Financial Services -internet banking, mobile banking.

Emortelle Online Services
Prevents you from being left behind !

Online Banking

Reduce Costs!
	Reduce HR Costs- Members can transact business online reducing the lines in office.

Increase Income!
	Generate income- More services can be offered; like additional letter request types or quick cash loans. Members can pay bills online and institution earns income for dispatching.

Enhance Service!
	Increase Membership- Have prospective members apply online and upload documents, hassle free. You still maintain the opportunity to confirm requirements for AML/CFT and institution policy before activating to transact business.

Mobile App

Reduce Costs!
	Reduce HR Costs - Members can obtain balances, execute transfers, make cheque requests, pay bills whilst on the go therefore limited need to stand in line at the institution so reduced institution cost.

Increase Income!
	Increase Income- Earn income when members use the App for Letter requests etc or commission when members purchase phone top

Enhance Service!
	MSR in the palm of your hands - Members can enjoy services without having to visit the organization anytime and anywhere.

ATM

Reduce Costs!
	Reduce HR Costs - Cash transactions takes place at ATMs therefore less OTC staff required.
	Reduce Overheads-Less security costs to transport, insure and store cash on compound.

Increase Income!
	Increase Income- The institution can share in card/transaction fees

Enhance Service!
	Increase Service Offerings- Use any of the 32 available Deposit Accounts to offer one year Savings Plan like Christmas Savings or longer period Plans like Education Plan or Home Ownership Plan.