"OnCore is really an in-and-out solution. We can take input from multiple sources and create outputs in the form of emails, text messages, text files, checks, receipts and PDFs. It is much more than just forms processing," Jim Giacobbe, president/CEO for United Solutions Company, said. Giacobbe explained the product is very intuitive, with a message center that walks users through the process. "The software is attractive and user friendly."

Giacobbe estimates most credit unions deal with between 75 and 150 forms. OnCore processes and prints membership, loan forms and notices; provides workflow and uses digital signatures through multiple vendors. It also can print laser checks and starter checks; and offers members the option of printing, texting and/or emailing receipts. The product is mobile-optimized to work on iPads and smartphones, with integration to three different signature pad providers.

Deric Roberts, OnCore Forms manager, described OnCore Forms as a forms management solution that allows financial institutions to electronically generate, populate, print and store all of their routine forms through one easy-to-use interface.

"The application interfaces directly with the credit union's core processing system to pull member and account data directly into lending and other types of routine forms," Roberts said. Members can sign these forms electronically with an iPad, Wacom or Scriptel device. Once completed, the workflow allows for the conversion of forms to a .pdf file, and printing, emailing or sending forms to optical storage.

Giacobbe added for checks and receipts, OnCore intercepts the data stream, and reformats the checks and receipts for output to a laser check printer or small footprint receipt printer. "Receipts can be printed, emailed or texted to the member, or any variation of the three."

In addition, OnCore takes advantage of machine learning. The application, according to Roberts, learns a user's form preferences and adapts to them accordingly. "For example, if the user sets a 200% zoom level on a form, then the application learns this preference and will default to this zoom level for all future forms. The application has an admin console that provides detailed analytics on active users, devices and all network activity."

Roberts maintained OnCore Forms saves credit unions time by auto-populating member information from the core into routine forms, and onto physical paper for use and storage; and reduces frustration via its intuitive and easy-to-use app navigation.

OnCore Forms also has a dashboard capability. As communicated by Giacobbe, "One of the coolest features is the integration with the iPad. Typing on an iPad can sometimes be difficult, due to the smaller work surface. For this reason, we chunk the forms on the iPad and mobile screens. You tap a specific section of a form, and the fields open up and provide ample space to enter information. It is a very intuitive design."

Roberts noted OnCore differs from other methods often used to deliver forms to credit union members. "OnCore is different from the ground up," he said. The OnCore Forms manager pointed to its easy to use navigation and dashboards, which front-line staff can use to quickly access all forms. "Once data entry is complete, OnCore forms continues to set itself apart from the competition as it allows for signatures in wet, electronic and glass," he said.

Roberts emphasized again that once the signature process is completed, printing and optical storage options become available through OnCore Forms.

OnCore Forms even simplifies forms printing, which is not always a straightforward task for financial institutions. With all of the different products interfacing with the core, credit unions sometimes must use multiple products for printing, Giacobbe pointed out. For instance, if a credit union has a loan origination system that is different from its core, the process may involve two distinct solutions for printing loan forms and member forms. "Add in a different product for producing checks and other miscellaneous products, and your solution becomes complicated and expensive," Giacobbe said.

OnCore Forms can accept documents from multiple sources. Once the form is in OnCore, credit unions can upload additional information to the form, such as driver's licenses or insurance cards; apply the signatures (in three different ways); send the document through workflow for review and then send it directly to optical with the correct indices. "OnCore becomes the final stop for all printed solutions at the credit union," Giacobbe said.

He added, "It doesn't matter what systems they are using, all printed documents, receipts and checks can be managed by OnCore. It is a single integration point." He also said the company currently has an unspecified number of credit unions using the product; at least two use OnCore with different core data processing platforms.

Roberts held, "We highly encourage all feedback and suggestions from our clients. We count on their input to assist us in improving our OnCore solution. So far, we have had a lot of positive feedback."

Giacobbe also pointed to the great response they have received from credit unions. "The product looks good and works well. United Solutions takes suggestions from our credit unions, and if they make sense, we integrate them into the product." Giacobbe also noted product enhancements generally become available to everyone at no additional charge.

In recent years, United Solutions Company, founded in 1983, has evaluated its role to member credit unions. While becoming a technology CUSO, it has developed a menu of more than 25 products and services to credit unions and other businesses. Its end-to-end technology capabilities include core processing, an accounting suite and analytics, credit/debit card and network services, collections, check processing and mobile deposit.