Our Kiosk Systems
Real Time Kiosks Case Studies

Our credit union has grown considerably over the last several years, and we have taken in several new fields of membership, including two hospitals. A number of our branches are maxed out with no additional space for staffing, yet volume continues to grow. Our only solution was to extend business hours and incorporate alternate means of service delivery. We felt self-service kiosks were our solution. They are relatively low cost compared to staffing costs, they are available around the clock, and they take up limited floor space.

We did a fairly exhaustive study in researching self-service kiosk providers, but it was clear during our initial research that the majority of kiosk providers were promoting "Information Kiosks", but we were looking for "Transaction Kiosks" - big difference. We ended up selecting Real Time Data Management Services, Inc. and their Real Time Kiosk solution. We selected Real Time for three very important reasons; first, they offered a truly full function transaction kiosk. Their kiosk system could do virtually anything our tellers could do, including getting positive member identification through their biometrics finger imaging. Their kiosks could take in member deposits and give a member a receipt with a picture of what was deposited, members could get withdrawals by cash or check, new members could sign up for membership at the kiosk, and one of the most important features is that we could process an entire loan at the kiosk, from taking in the loan application to printing out the CUNA Loan Liner Documents.

Second, Real Time has a strong and clear understanding of the credit union industry and how this type of technology can be most effectively used as a service delivery channel. The parent company, Real-Time Data Management Services is a credit union data processing provider, so they clearly understand all facets of credit union back office and balancing requirements. And last, we were impressed with Real Time's commitment and after sales service and support. There is no such thing as problem free technology, but Real Time stuck with the effort, working very closely with our data processor to deliver all of the functionality we required within the limits of our DP system.

We don't normally endorse third party providers, but we feel Real Time Kiosks delivered everything they promised and then some. We did not have a good experience with a previous provider, so we monitored Real Time's progress very closely and we're pleased with the results. We also appreciated the fact that our data processor selected them as a business partner, and look forward to strengthening our relationship with both through this process as we continue to grow and deploy additional Real Time Kiosk units.

Good Morning Rick!

Do you remember when I told you that we had the "problem" with our tellers getting their feelings hurt because members prefer to use the kiosk rather than go to the teller line? I've got an interesting twist along those same lines that I thought you would like to hear about. My tellers have stopped complaining about members choosing the kiosk over them...now they're relieved because we've been so busy with shared branching that it's a relief when our members use the kiosk!

I should also tell you that the kiosk is a godsend when it comes to some of our problematic high-maintenance members. There are two members in particular whom we specifically trained to use the kiosk that will not settle for anything less than the kiosk now. It's wonderful because I don't have to worry about the kiosk getting flustered or upset because these particular members were rude and often very difficult to deal with. These gentlemen don't complain about the kiosk not understanding what they wanted. They just come in, do their business on the kiosk, and leave. As you can imagine, that is a blessing on many counts! Anyway, I thought you would get a kick out of hearing about that.