Author Archives: Shaun Murray

Coronavirus Contingencies

With the outbreak of COVID-19 in the headlines, we wanted to inform you that we have a plan in place to affect a continuation of service if the virus were to land in the Spokane community.

We have invested heavily in online technologies that will enable roughly 90% of our staff to work from home. Those 10% remaining are all from a singular department and have specific contingencies in place to guarantee that the service you have come to expect from ESP will continue. You will still be able to communicate with all ESP departments and individual Team Members via phone, email, and shared desktop.

Although this is new territory for ESP and we cannot predict the future, our promise to you is that we will do what it takes to deliver the products and services your members rely on.

New Client in Oregon!

We are excited to welcome IBEW/SJ Cascade FCU (Salem, OR) to ESP, Inc. this fall. Deploying all of our solutions and opening up partnerships for the credit unions’ success.

“An opportunity to show a new credit union what ESP and FORZA can do for them and their members is something we relish. We are comfortable with our approach, who we are and what we can accomplish for our clients. It is taken to a heightened level when we can serve credit unions in a new state. My Team is excited to expand our presence and fulfill all of the goals and objectives for IBEW/SJ. We have taken our pricing structure and worked it into a doable model for credit unions on the smaller side. Allowing them to compete with solutions like On-line ATM/Debit, all our Imaging Solutions, full Print Services, Web Banking, Audio Response, Bill Pay, etc. Our goal is to provide all credit unions with the opportunity to grow and it is a stance we are steadfast into seeing through. Welcome IBEW/SJ and Team, we are more than happy to invite you to our Family”, Shaun Murray, ESP, Inc.

ADA Compliance Unicorn

Do you feel like you need an ADA Compliant site?

I have received a lot of calls lately on making public websites ADA Compliant. I am sure that number will shoot up after this email I received this morning – ADA Lawsuits Against CUs Spike in December. No matter how frustrated and (to be frank) ticked off this makes me, it is here. There are currently no guidelines to follow, so I feel your pain. But good news, I believe I have found the unicorn of credit union web developers!

As I have discussed in a previous email, ADA Compliance, there are options but are often too expensive of an investment right now for many of you. One option that was not included in the email is OMNICOMMANDER. I believe it is the best solution and it is a fraction of the investment of competing developers.

I’m excited to introduce OMNICOMMANDER, “the credit union industry’s first website platform that is exclusively focused on design and ensures every touch-point will have the exact same user interface”. They will rebuild your site in full ADA Compliance. Not only that, they will continually test your site to make sure it is in compliance into the future.

OMNICOMMANDER’s 4-Step Process:

Step 1. Our developers have gone through extensive ADA training and are experts in building sites to be accessible to those with vision, hearing, cognitive impairments.

Step 2. We have a full time ADA Compliance Officer. James Harrington is a Member of the IAAP (International Associating of Accessibility Professionals.) He has “Advanced Web Accessibility Training ” classes and attends ADA Compliance Meetings in specific regard to Credit Unions.

Step 3. SSG (Retired) Aaron Hale is a 14 year veteran of both the Navy and Army. He deployed once to Iraq and it was on his second mission to Afghanistan where his career as as Explosive Ordinance Disposal (EOD) Team Leader ended. An Improvised Explosive Device (IED) exploded in front of Aaron, severely wounding him and taking his eyesight.

Before going live with a new website, Aaron goes through every page utilizing assistive technologies to ensure that it is accessible for those individuals with vision impairments. The ONLY way that you can ensure that you website is accessible is by going through it manually. Scanners can produce false positives and false negatives. This is the reason the latest standards in accessibility (WCAG2.1) include manual reviews.

Step 4. We have partnered with an independent 3rd party to provide a certificate of accessibility. Through this partnership, we have secured a discounted certification process that at the end of the engagement will result in a letter of accessibility that can be posted on the credit union’s website.

Example:

Getting Started:

You want to know more, please contact ESP Sales at sales@espsolution.net and we will have an OMNICOMMANDER representative contact you with more details.

  • We simply did the legwork to find you another solution. We are not involved in the process and no billing goes through us.
  • You will work out the build cost with OMNICOMMANDER.
  • OMNICOMMANDER will host your new site, extremely reasonably. (This allows them greater flexibility when comes time to address your ADA Compliance.)

As you can tell, I am overly excited about this solution. I have been fielding as many calls on this as I did with MFA (which oddly enough, did not have an initial guideline either). We will always hunt down solutions for you, even when we are not primarily involved. I think that is important for our partnership. You can rely on us to have an “ear to the ground” on emergent technology issues and I intend to live up to that expectation.

Don’t hesitate to contact me with any questions.

Email and Sign Documents: who should you use?

We receive a lot of calls where we discuss with credit unions the ins and outs of electronically sending documents to its members to sign. At ESP, we like DocuSign® – so much, in fact, that we use it here in our office.

We know there are several options in vendors out there and there are many good ones. So, the short answer to the question posed in this title is simple – choose what solutions work best for your needs. If you are still researching vendors, here is some food for thought:

  • Are you looking to have documents signed by members? If so, get DocuSign®. It has become the industry standard for electronic contracts. The app is simply great. There is an extension for Chrome that provides useful functionality and the print driver works really well too. We’ve carefully examined other solutions, but we keep coming back to this one.
  • Do you want to have loan documents signed remotely? Preparing and transmitting loan docs couldn’t be easier. First, create your loan docs in FORZA. Next, generate your loan docs, they will pop in as PDFs. Then choose to print them by selecting the “Print to DocuSign” as your printer and the documents will open up in DocuSign. You will then enter the member’s email and name, choose the signing order, place fields and send away. Both parties will receive originals for their records. It’s a pretty slick system.

As a member, it is convenient, it works and the UI is very pleasing. As a technology provider, we seek to integrate only those solutions that will add value to the end user. DocuSign® does just that. We suggest our clients implement it. Think of your members, I assure you they want electronic document signing.

To learn more about DocuSign® please check out their flyer Top 10 Reasons Why Financial Services Companies Choose DocuSign. As for sending and receiving documents securely, we have a great solution for that – Sync&Share. And at $9 a month, I will tell you that our solution for document sharing is the cat’s meow.

 

Shaun Murray
Chief Elbow Rubber @ ESP, Inc.

Growth Guaranteed

We recently announced some numbers we are very proud of. As announced on Credit Union tech-talk:

“Enhanced Software Products (ESP), the Spokane, WA-based Credit Union Core Data Processor, recently announced the positive growth results of a survey of their entire credit union client base. Their overall average financial and member growth numbers over the life of a credit union on their FORZA3™ core system are: 35% growth in number of accounts; 98% growth in assets; and 82% growth in loan portfolio.”

We are running at 100% renewals and our Clients are growing. This study/research was performed across our entire client base, no matter how long we have been partners.

6.14 years, Amazing!

“To be the Most Trusted and Admired Core Processor in the Industry”

That is our Vision. It is not to imply we are going to take one hundred credit unions from our competitors or expect that our competitors be knocking on our door asking us what we are doing “right”. We know better than that. The Vision is a direction, words to live by if you will.

“Most Trusted”. This speaks to our Clients. If we continue to do the right thing, as close to every time as humanly possible, we will gain Trust. A solid infrastructure to support growth, developing and deploying tested, quality solutions every time and continuing to improve the communication channels. All of this will lead to Trust. We measure the Trust by Agreement Renewals, what we like to call “Opportunities”. An opportunity to show that we deserve to be the chosen core processor for our Clients. So how are we doing for 2015, here is a breakdown:

Agreements Renewed =

10 / 10

Average Renewal =

6.14 Years

“Admired”. The way we would like to be viewed. Be the best partner we can be for our Clients, the best partner we can be for our strategic alliance partners and carry our ESP, Inc. name in the industry with pride. Our Client peers and ESP partner peers, we want those people to look at the relationship we have formed and “admire” that working relationship, through the good and bad. We take great pride in all of our Clients and we are proud of the partnerships we have formed in the industry, something we take very serious.

“Be the Most Trusted and Admired Core Processor in the Industry”, striving to be the best is bringing us opportunities to serve new Credit Unions, retain/serve existing Clients and be a great partner to our strategic alliance partners.

100% and 6.14 years – we are working with other Clients on renewals right now, but we are very excited about this year and the future! 2016 will be our 20th year and we will enter it full-speed ahead.

Shaun Murray, Chief Elbow Rubber

Now Available :: Email Receipts

Set it up!

Extremely quick and easy to set-up. All you need to do is navigate to:

“System (F7) > Credit Union > Teller Area Configuration”

Then, choose Receipt Options on the General tab, click Prompt for Email Receipts.

When this box is checked, receipts can be emailed to the member. Upon posting a transaction that produces a receipt, a box will pop up asking “Would you like to email a copy of this receipt to the member?” If “Yes” is clicked on, an “Email Receipt to Member” box will pop up, with the primary member’s email defaulted in the “Email Address” box. If this email address is changed, the user will have the ability to update the address on the primary member’s contact tab. If Yes is clicked to change the member’s email, the user will be prompted to complete the Red Flag information. The receipt will be emailed to the address indicated, coming from the “General E-Mail Remitter Name” configured in the “Outbound Email Configuration” in Web Admin.


 

So you can go to the Apple Store, Home Depot, etc. and have your receipt e-mailed to you. Why wouldn’t your members expect the same from their Credit Union?

They Do.

and

It’s FREE.

So we took a look, leveraged our existing functionality and built a solution that your members will appreciate. Not to mention, our Clients will save even more money by not printing the members receipt.

Central Management

Another Member/CU centric solution that ALL Clients can use. It is managed from FORZA, configured within FORZA and sent from FORZA. Oh yes, and all imaged with your Database.

NO Hardware to Manage = Saving Time and Money. 

“This is another one of those solutions for 2014 that our Team worked together on and put forth their best effort. Solutions like SMS/Text Messaging from FORZA and Email Receipts are just a couple of the solutions that we built this year; while still maintaining other solutions and earning 100% Support Satisfaction. I cannot be prouder of our Team and what is being produced. Credit Unions that are looking at us have an appreciation for quality solutions, service and flexibility that we can provide. We were one of, if not, the first “one-stop” shop for all a Credit Unions needs. The level of awareness in finding a true PARTNER has risen. We will be here to fill that need”, said Shaun Murray the President at ESP, Inc.