Check imaging offers a wide range of document imaging options for financial institutions, designed to simplify teller processing. Sold by software providers or fulfillment partners, discovering which features of bank check scanners prove to be valuable will assist you with making the correct choice for your corporation or branch.
Teller automation is a vital function in creating bank efficiency, providing confidential transactions that are cost-effective for banks, and convenient for customers. Since nearly every adult in our country relies on a financial institution for cashing or depositing checks, bank check scanners need to be extremely reliable, with precise accuracy during processing. Reputable companies will be honest about their warranty return rates, giving you an inside peek at how often a scanner requires repair, or performs with maximized up-time operation. Scanning malfunctions lead to errors, thus leading to a teller unable to properly service the customer and increasing the cost to the bank. When customers cannot rely on a financial institution to process their checks the moment they need them cashed or deposited, they become irritated and often seek other options.
Adaptive Thresholding
Adaptive thresholding is a feature that allows tellers to capture the most difficult to read documents using multiple thresholding settings to provide the highest quality bitonal image available. The scanner uses advanced technology to automatically select the image with the most clarity, allowing tellers to focus on time-sensitive customer service and cross-sell issues, rather than worrying about errors caused by poor images from the scanner. Some scanners use up to four different magnetic algorithms to scan and verify the MICR line on the check for proper posting to the customer's account. The device compares both the magnetic and optical readings to insure proper reading of the MICR line, all on its own. This process is called OCR MICR verification, and is considered a valuable asset to organizations seeking a simple program to reduce costly human intervention.
The programmers of bank check scanners often forget that a major financial institution deals with an extremely high volume of customers, at an even higher pace. A system that is too complicated for tellers to learn and use not only cuts into a bank's daily routine, it defeats the purpose of automating the check scanning process. Documents should be read properly the first time and not require human intervention to correct or fill in missing information from the check. This is a waste of time, and an extremely frustrating situation for both the teller and the customer who is waiting to complete the transaction on the other side of the counter. As most people are right-handed, the majority of tellers prefer feeding documents from the right side of the scan, rather than the left. This preference is what comes naturally to most people, and as subtle as it sounds, switching sides will enhance the teller's speed with each customer. The ability to drop anywhere from one to a large quantity of checks into the machine single-handedly, without any obstacles in the way, saves financial institutions an incredible amount of employee time and money.
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