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VSoft News & Events

2018 Press Releases

October 15, 2018 VSoft Announces New Interface Enhancements to Arya Digital Banking Platform

Arya, an intelligent, open architecture digital services platform for both retail and commercial account holders, announced today at the Jack Henry Annual Conference (JAC) the roll-out of new features including: a payment wizard, receipt capture, and an optimized user experience.

Arya digital banking’s innovative payments wizard is in response to the emergence of numerous payment transfer options. The payment wizard capitalizes on least-cost routing to connect consumer and business account holders with the best channel for transferring funds. The decisioning tool takes input concerning the user’s transfer details to provide the best route for transferring funds through P2P, A2A, Wire, or ACH channels. By using Arya’s payment wizard, account holders benefit from efficient funds transfer while financial institutions benefit from cost savings and operational efficiencies.

In addition to an enhanced payment transfer experience, consumer and business account holders can now store receipts in Arya digital banking with receipt capture. By using a camera on a smartphone or tablet, users can capture receipt images and connect the receipt to the transaction in their account. This enables account holders to preserve an audit trail of transactions for future use.

Further enhancements include Arya’s newly modified design that delivers a tailored experience to account holders based on the devices used to access the platform. Considerations pertaining to how users interact with applications on various devices led VSoft to augment laptop and smartphone experiences to reflect these commonly performed activities. For example, users on mobile devices will have quick access to transferring funds and viewing account balance information. Regardless of the device, users have access to the platform’s full functionality.

Arya’s display was thoughtfully designed to present optimal information to the account holder. For smartphones, the interface is optimized with thumb-friendly gesture controls, allowing easy navigation with one hand through swiping and reachable menu buttons. Arya’s enhanced experience also includes an optional chat bubble view of account activities to help users visualize information in a familiar format.

“Reinvesting in our solutions is what VSoft does best,” said Abhishek Veeraghanta, business development executive of digital initiatives at VSoft. “Since Arya’s debut in 2017, we have gathered feedback from our clients to create a highly optimized digital banking platform that complements the ways consumer and business account holders navigate their day-to-day lives. Providing account holders with highly individualized tools and experiences drives every decision we make concerning our Arya digital banking platform.”

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


October 1, 2018 Robins Financial Credit Union Selects VSoft’s OnView Branch Remittance

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced that Warner Robins, Georgia-based Robins Financial Credit Union with more than $2.4 billion in assets has selected its OnViewTM Branch Remittance to simplify remittance transfers.

OnView Branch Remittance increases back-office productivity and reduces the cost of capturing remittance items. The solution analyzes the remittance coupons provided by members to develop templates to read codeline information on the coupon accurately. Coupons are designated as credits within the VSoft system and paired with the accompanying debits. This allows financial institutions to capture coupons and checks together in a POD-like workflow. Both items are then readily available for research within VSoft’s system. OnView Branch Remittance allows institutions like Robins Financial Credit Union to maintain transaction integrity while accelerating research functions and reducing processing costs.

VSoft’s OnView Branch Remittance extends the functionality of a lockbox solution to financial institutions without the complications of one. Financial institution employees are easily trained on the software, and OnView Branch Remittance reduces costs when transitioning from a full lockbox solution or processing by hand. OnView Branch Remittance is a specialized workflow configured for VSoft’s OnView Branch Deposit application, and the single platform delivers a superior experience.

“Between our knowledge of VSoft’s user-friendly product offerings and VSoft’s commitment to serving their client base, it was clear that they were the right partner for streamlining our remittance process. We look forward to OnView Branch Remittance boosting the efficiency of our daily transactions,” said Jennifer Norbeck, Assistant Vice President of Payment Services at Robins Financial Credit Union.

“As financial institutions chase digital transformation to stay relevant, they must not forget about increasing the effectiveness and functionality of basic transactions as well as decreasing their costs where possible,” said Murthy Veeraghanta, chairman and CEO of VSoft Corporation. “Robins Financial Credit Union has chosen to drive change and innovation at every level including their remittance practices. With the implementation of OnView Branch Remittance, the credit union will see increased efficiency as well as cost savings. We’re thrilled to partner with Robins Financial Credit Union to provide increased functionality that will allow them to better serve their members.”

About Robins Financial Credit Union

Robins Financial Credit Union is a local non-profit financial cooperative with twenty-one branches in central Georgia. Robins Financial currently provides financial services to over 200,000 members, with assets exceeding $2.4 billion. Robins Financial is committed to actively serving people within its field of membership, and as appropriate, the communities in which they live. For more information, visit https://www.robinsfcu.org/ or call 800-241-2405.

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


September 24, 2018 VSoft Recognized in the 2018 IDC FinTech Rankings by IDC Financial Insights

VSoft Corporation, a global provider of information and technology solutions for financial institutions, today announced they have been named in the 2018 IDC FinTech Rankings, the most comprehensive vendor ranking within the financial services industry.

The annual IDC FinTech Rankings are based on 2017 calendar year revenues attributed to financial institutions, and it recognizes companies that are among the top financial technology providers worldwide. Global providers of financial technology in hardware, software and services are categorized and evaluated by IDC to determine key players in the space. This is the second consecutive year VSoft Corporation has appeared on the prestigious list.

“A place on the IDC FinTech Rankings is a significant accomplishment, demonstrating a provider’s commitment to the success of its financial institution clients,” states Karen Massey, Research Manager at IDC Financial Insights. “The IDC FinTech Rankings, now in its 15th year, is the global industry standard register of financial services tech providers, and we congratulate the 2018 winners.”

VSoft serves financial institutions of all sizes in the United States and globally. Its core, payment and digital banking solutions are meticulously designed in-house to be receptive to changing technology and user preferences. The company’s dynamic platforms reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels.

VSoft’s digital banking platform, Arya, is a testament to VSoft’s technological evolution. Designed to deliver a better, feature-rich digital banking experience, Arya is the industry’s first fully integrated digital banking platform, combining both mobile banking and digital banking within a unified system. By streamlining multiple banking channels under a single access point, Arya provides a seamless user experience while providing financial institutions a unified view of account holder data.

“We are thrilled to be included in IDC’s FinTech Rankings for a second year,” said Murthy Veeraghanta, chairman and CEO of VSoft. “Our long history of creating flexible solutions, providing reliable customer support and a culture primed with innovative ideas has facilitated VSoft’s tremendous growth. We’re proud to be recognized by IDC for our hard work and look forward to many more years of growth.”

For more information about the rankings, visit here.

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.

    About IDC Financial Insights

    IDC Financial Insights assists financial service businesses and IT leaders, as well as the suppliers who serve them, in making more effective technology decisions by providing accurate, timely, and insightful fact-based research and consulting services. Staffed by senior analysts with decades of industry experience, our global research analyzes and advises on business and technology issues facing the banking, insurance, and securities and investments industries. International Data Corporation (IDC) is the premier global provider of market intelligence, advisory services, and events for the information technology market. IDC is a subsidiary of IDG, the world’s leading technology, media, research, and events company. For more information, please visit www.idc.com/financial, email info@idc-fi.com, or call 508-620-5533.

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September 17, 2018 Arya Partners with Intuit, Quicken®, and Mint

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced a strategic alliance with Intuit Inc. (Nasdaq: INTU) to enable its digital banking clients to simplify and streamline the way their account holders manage their finances.

Through this alliance, financial institutions using Arya can allow their customers or members to automatically download current account information into Quicken Personal Finance Software. Using Open Financial Exchange (OFX), the industry standard for the exchange of electronic financial information over the Internet, account holders can conveniently download their account statements and transaction information into Quicken, eliminating the need to manually enter transaction data. With this feature, retail and commercial account holders can save time, improve accuracy and more effectively manage their complete financial picture using the best-selling personal finance software of all time.

Furthermore, account holders using Arya offered through their financial institution can leverage Mint, Intuit’s leading personal finance application, to track bills, budget, and receive alerts. Arya’s integration with Mint expands money management options for account holders, so they can control their finances with their preferred money management tools.

“Oftentimes, an account holder’s consumer and business lives are intertwined, and Arya empowers these account holders to securely manage their finances in one place,” said Murthy Veeraghanta, chairman and CEO of VSoft. “Our relationship with Intuit makes it easier than ever for our financial institutions’ customers to gain greater insight into each account and address their unique banking needs anytime, anywhere and with any device of their choice. Additionally, with Arya’s unified back-end, financial institutions can access Quicken’s comprehensive insight to drive highly-targeted marketing campaigns and identify ways to deliver even more value to account holders.”

Arya is the industry’s first fully integrated digital banking platform, combining both mobile banking and digital banking within a unified system. Arya’s new functionalities through Intuit expand the platform’s variety of built-in features, which include a full suite of cash management services and VSoft’s industry-leading mobile check deposit. As a result, the platform delivers a seamless user experience while providing financial institutions a single access point to view data and greater flexibility to adapt to changing technology and account holder needs.

About Arya

Arya, powered by VSoft Corporation, is an intelligent, open architecture digital services platform for both retail and commercial account holders that streamlines all channels under a single access point for a truly integrated banking experience. Account holders use one system for both business and consumer banking activities, with access to a variety of cash management services, all while logged into the same system. Unlike other platforms, check capture is native to the system to provide significant cost savings with no integration required. Arya uses standard real-time and file-based APIs to integrate into all core banking platforms. Built with the latest Angular technology, the platform provides a consistent user experience and is one of the most feature-rich and flexible systems on the market today with a low total cost of ownership.

For more information, please visit www.AryaBanking.com, or follow Arya on Twitter at @AryaBanking.

    About Intuit

    Intuit, the Intuit logo and Quicken, among others, are registered trademarks and/or registered service marks of Intuit Inc. in the United States and other countries.

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September 10, 2018 Clarien Bank Migrates to VSoft’s SaaS Environment for its Back Counter Deposit Solution

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced that Bermuda-based Clarien Bank, with more than $1 billion in assets, has selected its Software as a Service (SaaS) delivery model for its OnView Back Counter Deposit solution.

A client of VSoft since 2011, Clarien Bank currently leverages OnView Back Counter Deposit to improve deposit capture processes and eliminate errors. By migrating to VSoft’s SaaS model, Clarien Bank will be able to maintain processing controls while taking advantage of VSoft’s state-of-the-art data center, which provides a full suite of digital banking, check, and core processing software solutions to financial institutions of all sizes.

“Clarien Bank strives to be the trusted advisor of choice to our customers and provide them with world-class products and services,” said Minish Parikh, chief operations officer at Clarien Bank. “VSoft has proven to be a strategic partner in meeting these goals, and by transferring our deployment of their solution to a SaaS model, we can ensure we stay compliant with the changing regulatory environment.”

Parikh continued, “Moving to data centers on the mainland will provide us with cost benefits, platform support, and increased efficiency while allowing us to leverage VSoft’s regulatory expertise. This transition enables Clarien Bank to spend more time building relationships with our customers and addressing their needs.”

Financial institutions can take advantage of VSoft’s SaaS solution, which blends hosted applications with real-time remote access, to provide financial institutions with optimal solutions without having to invest in the architectural requirements of an internally deployed solution.

“The SaaS delivery model continues to draw financial institutions like Clarien Bank because it allows them to operate at the forefront of software development while eliminating the expensive cost of upkeep experienced with an on-premise solution,” said Murthy Veeraghanta, chairman and CEO of VSoft Corporation. “At VSoft, we pride ourselves on understanding our customers’ needs, and that’s why we offer our flexible exchange program to all of our clients, which allows them to switch delivery models as their operations evolve. We’re excited to continue supporting Clarien Bank’s development with SaaS delivery that will meet their needs and free up valuable time for their employees.”

About Clarien Bank

Clarien Bank Limited (“Clarien Bank”) is one of the largest independent, privately-owned integrated financial services organizations in Bermuda, providing personal and commercial banking, private banking and corporate banking to individuals, families and corporations in Bermuda and worldwide. Clarien Bank also provides a full range of investment products and brokerage services through Clarien Investments Limited. Clarien Bank Limited, together with its subsidiary companies, is licensed to conduct banking, investment and trust business by the Bermuda Monetary Authority.

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


August 27, 2018 VSoft Partners with Payrailz to Integrate Intuitive Payment Services

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced a partnership with Payrailz, a digital payments company offering smarter, more engaging and secure payment experiences to banks and credit unions. VSoft will integrate Payrailz’s payment services into its digital banking platform, Arya.

Announced during this year’s Symitar Educational Conference & TechConnect, the partnership will enable financial institutions that use Arya to offer their account holders an improved and smarter payments experience with Payrailz. Retail account holders can use the service to view billing information and transact payments with specified delivery times, including immediate, same day, next day, or on a pre-determined future date. Automated and recurring payments can also be scheduled. Business and commercial account holders will benefit from advanced automation tools to streamline processes including establishing user entitlements, viewing billing information, as well as invoice payments to their business partners or other payees.

Payrailz’s technology draws inspiration from other industries that have leveraged advancements in technology and artificial intelligence to meet the growing demand to automate tasks for users. Payrailz believes the industry is ready for a “do it for me” solution to better manage their payment needs and has built a powerful engine driven by predictive smart technology to turn payments into an afterthought for consumers.

According to a study from Javelin, banks and credit unions are the first place that most consumers turn to for transacting bill payments, facilitating $3.5 trillion in payments for several bills, including $442 billion that is transacted via smartphones and tablets. This research highlights the importance of providing digital banking services that help account holders consolidate their financial activity and banking purchases, which boosts customer loyalty and long-term profitability for the financial institution.

“Our mission at Payrailz is to help financial institutions leap frog current offerings and add value to the payments experience for their customers or members,” said Fran Duggan, CEO of Payrailz. “Partnering with an established provider like VSoft will empower us to accomplish that and enable the financial institutions that leverage Arya to eliminate friction in the payments process and ultimately, enhance the overall consumer payments experience.”

Designed to deliver a better, feature-rich digital banking experience, Arya is the industry’s first fully integrated digital banking platform, combining both mobile banking and digital banking within a unified system. By streamlining multiple banking channels under a single access point, Arya provides a seamless user experience while providing financial institutions a single access point to view data.

“We designed Arya to serve as the foundation for our financial institution clients to easily scale and adapt to evolving technology, trends and account holder preferences. Our partnership with Payrailz facilitates this and further enhances the Arya platform,” said Murthy Veeraghanta, chairman and CEO of VSoft. “The financial institutions we serve are always looking to strengthen relationships with account holders and by offering a more engaging payments experience within Arya, banks and credit unions can exceed account holder expectations.”

About Payrailz

Payrailz is a digital payments company offering advanced bill payment and money transfer solutions to banks and credit unions. In a society that increasingly has become focused on a “do it for me” culture, Payrailz’s smart technology makes the difference. Payrailz creates smarter payment experiences for the financial services industry that are predictive and more engaging than currently available alternatives. Financial institutions can confidently embrace Payrailz’s cloud based technology engine, including AI, dynamic workflow, open data exchange, and a robust SDK to offer unique payment solutions to their customers. Payrailz helps financial institutions meet the payment expectations of today and the payment innovation needs of tomorrow. For more information, visit www.payrailz.com, follow them on Twitter @Payrailz, Facebook or LinkedIn, or contact Mickey Goldwasser at 860.430.9245.

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


August 1, 2018 Clarion Federal Credit Union Selects VSoft’s OnView Mobile Deposit Solution

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced that Clarion, Pennsylvania-based Clarion Federal Credit Union with $90 million in assets has selected its OnView™ Mobile Deposit to provide the simple and on-demand access of remote deposit capture (RDC) to its members.

Mobile banking and mobile deposit use continue to accelerate. According to a new forecast from Juniper Research, more than two billion users will access retail banking services via smartphones, tablets, PCs and smartwatches in 2018, up 10 percent from 2017. Mobile accessibility has fundamentally shifted the way consumers expect to interact with their financial institution, and institutions like Clarion FCU and others are leading the pack to meet their members’ needs. With VSoft’s OnView Mobile Deposit, Clarion FCU’s members will be able to deposit checks anytime, anywhere and on any device with a built-in camera. This feature is critical as consumers expect more conveniences from their financial institution.

VSoft has successfully integrated its mobile deposit application with multiple mobile banking platforms, providing seamless transactions for consumers and efficiency for financial institutions. Additionally, VSoft’s OnView Mobile Deposit drives down the per transaction cost for financial institutions by capitalizing on widely used devices. It also features custom review thresholds to monitor deposit activity and prevent fraud, and offers real-time duplicate detection at the point of capture. OnView Mobile Deposit is available as a standalone application or included as an embedded feature of VSoft’s Arya digital banking platform. OnView Mobile Deposit is deployable in-house or outsourced via VSoft’s data center.

“We chose to implement VSoft’s mobile deposit solution because of their history of success and prominence in the financial industry,” said Mark Lauer, CEO of Clarion FCU. “VSoft’s experience with and openness to our current vendor mix made it an easy decision for us to onboard their mobile deposit platform. We’re excited for OnView Mobile Deposit to bring enhanced accessibility to our current and future members through our commitment to digital innovation and service.”

“As consumers expect more services from their financial institutions, offering secure and seamless mobile options to members will lead to improved member satisfaction,” said Murthy Veeraghanta, chairman and CEO of VSoft Corporation. “VSoft’s OnView Mobile Deposit is designed to provide consumers with the power and flexibility to make remote deposits at their own convenience, enabling financial institutions to increase the value of their offerings and attract new account holders. We look forward to partnering with Clarion Federal Credit Union to bring this solution to its members.”

About Clarion Federal Credit Union>

Clarion Federal Credit Union was founded in 1940 and has remained one of the area’s most trusted financial institutions. Clarion Federal Credit Union has been committed to offering the residents of Clarion, Jefferson, Venango, and Forest Counties the very best in customer service and financial security. Clarion Federal Credit Union provides a wide variety of services and financial options for their members. They value the personal attention they are able to provide their members, and continually strive to improve their services to better meet their member’s growing financial needs. For more information, visit www.clarionfcu.org.

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


July 9, 2018 Arya Now Leveraged by More Than 20 Financial Institutions Worldwide

Arya, an intelligent, open architecture digital services platform for both retail and commercial account holders, announced that over 20 financial institutions worldwide have selected its platform to deliver a feature-rich digital banking experience to their account holders. The highly flexible platform is uniquely positioned to serve banker’s banks and corporate credit unions as well.

Launched in August 2017, Arya is the industry’s first fully integrated digital banking platform, combining both mobile banking and digital banking with native, built-in features including VSoft’s industry-leading mobile deposit. By streamlining multiple banking channels under a single access point, Arya provides a seamless user experience while providing financial institutions a single access point to view data. Because the platform is designed to not only adapt to changing technology but also adapt to the changing business objectives of financial institutions, Arya has realized significant growth as demand for the platform increases.

Additionally, VSoft has revealed new enhancements to Arya’s user interface at their annual client conference to provide a more intuitive, streamlined digital banking experience. These enhancements follow several recent developments for Arya, including the platform’s new live chat functionalities and biometric authentication features, which demonstrate VSoft’s commitment to helping financial institutions exceed heightened account holder expectations.

“Arya’s growing client-base highlights the industry’s need for a platform that integrates digital banking applications and channels seamlessly without expensive deployments or disrupting account holders,” said Murthy Veeraghanta, chairman and CEO of VSoft. “Our goal is to ensure our financial institution clients have the tools they need to easily scale and adapt as technology and account holder preferences evolve and VSoft’s development of Arya illustrates our commitment toward that objective.”

About Arya

Arya, powered by VSoft Corporation, is an intelligent, open architecture digital services platform for both retail and commercial account holders that streamlines all channels under a single access point for a truly integrated banking experience. Account holders use one system for both business and consumer banking activities, with access to a variety of cash management services, all while logged into the same system. Unlike other platforms, check capture is native to the system to provide significant cost savings with no integration required. Arya uses standard real-time and file-based APIs to integrate into all core banking platforms. Built with the latest Angular technology, the platform provides a consistent user experience and is one of the most feature-rich and flexible systems on the market today with a low total cost of ownership.

For more information, please visit www.AryaBanking.com, or follow Arya on Twitter at @AryaBanking.


May 29, 2018 VSoft Corporation Receives 2018 FinTech Breakthrough Award for Small Business Technology Excellence

VSoft Corporation, a global provider of information and technology solutions for financial institutions, received the 2018 FinTech Breakthrough Award of Best Small Business Payments Solution for its OnView Business Deposit platform, a trailblazing remote deposit capture solution.

The annual FinTech Breakthrough Awards recognizes the top companies and products in the financial services and technology industry today. Founded in 2016, the FinTech Breakthrough Awards are evaluated by an independent panel of experts within the fintech industry, including media, analysts, journalists and technology executives. This year’s program attracted more than 3,000 nominations from top fintech companies and startups all over the world.

VSoft’s OnView Business Deposit changes the way that business owners interact with their bank or credit union by taking the convenience of a mobile remote deposit capture solution and applying it to their everyday needs. It enables business owners to reduce preparation time, overhead, operational costs and branch visits. With OnView Business Deposit, financial institutions of all sizes can attract a diverse range of business clients with different deposit habits. By reducing foot traffic in the branch for business deposits, tellers can focus their time and energy on other revenue-driving activities.

“OnView Business Deposit’s innovative platform enables both business customers and their financial institution to save time and money, making it a true stand-out product for all parties involved,” said Murthy Veeraghanta, chairman and CEO of VSoft Corporation. “At VSoft, we want to improve processes and create new efficiencies for our clients, and with our suite of OnView solutions, financial institutions can successfully deliver a range of payment capture options. We’re honored to be recognized by FinTech Breakthrough, and we look forward to helping our clients and their small business account holders reach their business goals.”

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


May 23, 2018 VSoft Reveals New Enhancements within Product Suite at Annual Client Conference, VISION

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced several new enhancements to its product suite, including natural language processing for its digital banking platform, Arya, and updates to CoreSoft, the company’s core processing system, and new feature functionality to the OnView payments products. VSoft showcased these new features at its annual client conference, VISION, held in Atlanta May 8-10.

VSoft showcased a natural language processing engine, which powers Arya’s new live chat functionalities by consolidating input channels to enable a comprehensive cross-platform response set. This allows financial institutions to engage with account holders via multiple channels such as chatbots, SMS, Facebook Messenger or smart assistants. VSoft also redesigned CoreSoft to run using HTML and the latest Angular technology, further enhancing the overall functionality and flexibility of the system. Additionally, VSoft has expanded the archive and research capabilities of its OnView solution to retrieve processed ACH transactions. VSoft also announced that in the near future, OnView will support the retrieval of wire transfers and real-time payments.

For more than 20 years, VSoft has served the financial industry with its platform-based core, payment and digital banking solutions, cementing the company’s reputation as a trusted service provider for banks and credit unions of all sizes. As the needs of financial institutions shift and consumer expectations evolve, VSoft has consistently adapted its solutions to deliver the utmost value for users, which has contributed to its significant growth over the years.

“VISION is our opportunity to highlight the latest feature functionality in the VSoft product suite and showcase what’s next for our company,” said Murthy Veeraghanta, chairman and CEO of VSoft. “We are thrilled to host our clients at this annual event, where we strive to provide a meaningful experience through insights from industry experts, networking opportunities and engaging sessions on best practices that ensure attendees have the necessary resources to solve any challenges they face, now and in the future.”

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.

About Arya

Arya, powered by VSoft Corporation, is an intelligent, open architecture digital services platform for both retail and commercial account holders that streamlines all channels under a single access point for a truly integrated banking experience. Account holders use one system for both business and consumer banking activities, with access to a variety of cash management services, all while logged into the same system. Unlike other platforms, check capture is native to the system to provide significant cost savings with no integration required. Arya uses standard real-time and file-based APIs to integrate into all core banking platforms. Built with the latest Angular technology, the platform provides a consistent user experience and is one of the most feature-rich and flexible systems on the market today with a low total cost of ownership.

For more information, please visit www.AryaBanking.com, or follow Arya on Twitter at @AryaBanking.


May 8, 2018 New Live Chat Functionalities Debut in Arya, VSoft’s Digital Banking Platform, at VISION Client Conference

Arya, an intelligent, open architecture digital services platform for both retail and commercial account holders, debuted its latest live chat functionalities at VSoft’s annual client conference, VISION, which is being held May 8-10 at the Ritz-Carlton Atlanta.

The VSoft team showcases how Arya’s live chat features enable financial institutions to engage with account holders using the latest technology like smart assistants and chat bots during a live demo. Powered by a natural language processing engine, Arya’s live chat capabilities enable users to check account balances, review recent transactions and even generate transaction requests via text through multiple channels, including SMS, Facebook Messenger, Whatsapp or an embedded chatbot on the financial institution’s website. These requests can be made via smart assistants like Amazon’s Alexa, Google Assistant and Apple’s Siri as well. If needed, the live chat engine can also escalate an inquiry to a customer service representative on certain channels so that support and resolution can be provided quickly and effectively.

Beyond its live chat functionalities, the Arya digital banking platform includes a variety of built-in features, such as a full suite of cash management services and VSoft’s industry-leading mobile check deposit. By streamlining all channels under a single access point for a truly integrated banking experience, Arya allows financial institutions to consolidate their online banking, mobile banking and mobile deposit applications without time-consuming and costly integrations.

“From mobile apps to smart assistants technologies, financial institutions have more ways to interact with customers than ever before and Arya’s live chat features ensure institutions of all sizes can leverage a variety of channels efficiently and effectively,” said Murthy Veeraghanta, chairman and CEO of VSoft. “With Arya, banks and credit unions can offer a more intuitive and engaging digital experience, which supports user-friendly interactions that deepen relationships with account holders.”

About Arya

Arya, powered by VSoft Corporation, is an intelligent, open architecture digital services platform for both retail and commercial account holders that streamlines all channels under a single access point for a truly integrated banking experience. Account holders use one system for both business and consumer banking activities, with access to a variety of cash management services, all while logged into the same system. Unlike other platforms, check capture is native to the system to provide significant cost savings with no integration required. Arya uses standard real-time and file-based APIs to integrate into all core banking platforms. Built with the latest Angular technology, the platform provides a consistent user experience and is one of the most feature-rich and flexible systems on the market today with a low total cost of ownership.

For more information, please visit www.AryaBanking.com, or follow Arya on Twitter at @AryaBanking.


April 23, 2018 VSoft Corporation Achieves 98 Percent Satisfaction Rating on Customer Support Calls

VSoft Corporation, a global provider of information and technology solutions for financial institutions, achieved an average 98.47 percent satisfaction rating across customer support calls at the close of 2017, demonstrating its continued commitment to providing excellent customer service and technical support to clients.

This satisfaction rate is derived from data collected during surveys conducted at the end of support calls, where clients can rate VSoft’s customer service as either “Positive,” “Neutral” or Negative.” A total of 482 surveys were considered, and while the average satisfaction rating was 98.47 percent, VSoft achieved a 100 percent satisfaction rating for three consecutive months in 2017.

According to insights by McKinsey & Company, business-to-business (B2B) companies, like VSoft Corporation, typically average less than a 50 percent customer satisfaction score; this lags significantly behind a typical business-to-consumer (B2C) score of between 65 and 85 percent. The biggest challenges that B2B companies face when trying to garner high customer satisfaction are ensuring that client support is highly individualized and anticipating the end-user needs of their B2C clients.

With extensive knowledge within the financial technology industry, VSoft’s customer support team is able to address every client need thoroughly and efficiently. As a provider of check imaging and remote deposit capture software, core processing and digital banking, VSoft works with their clients to truly understand business operations and market direction. The company was created in 1996 and has grown to serve over 1,000 financial institutions worldwide by focusing on being a partner to their clients.

“Our outstanding customer satisfaction ratings stem from our deep commitment to a mutual understanding between our project management teams and our clients. Our customer support team works hard to support each client’s evolving needs,” said Murthy Veeraghanta, chairman and CEO of VSoft. “We will continue to strive for top-notch customer support to help our clients reach their business goals now and in the future.”

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


April 9, 2018 Arya, VSoft’s Digital Banking Platform, Reduces Annual Costs with a Consolidated Platform

Arya, an intelligent, open architecture digital services platform for both retail and commercial account holders, announced that it reduces annual costs for financial institutions by consolidating online banking, mobile banking and mobile deposit versus standalone deployments for each channel.

Arya is the only platform on the market that offers an integrated system provided by one vendor for both mobile and online banking with mobile deposit natively built into the platform; all packaged and provided by one provider. By eliminating the need for multiple deployments and time-consuming integrations, Arya offers a lower cost of ownership compared to many other digital solutions. Financial institutions who have deployed such capabilities in a fragmented manner see their costs range from over $1 to $2 per registered customer per month. Arya can help financial institutions drive over 50 percent in cost savings with a combined system as opposed to deploying these features separately.

With Arya, financial institutions also streamline vendor management responsibilities, which further reduce internal costs. The platform is designed to adapt to changing technology and demands from today’s consumers and businesses without costly integrations, enabling financial institutions to take advantage of the latest applications on the market without the headache and cost of product development.

“Financial institutions are often penalized by technology vendors for increasing adoption and usage of their digital and mobile banking channels. More users typically mean bigger costs, creating a conundrum for community banks and credit unions,” said Murthy Veeraghanta, chairman and CEO of VSoft. “With Arya, we’re solving this challenge. Financial institutions streamline their vendor management responsibilities, which tremendously reduce internal costs. Because costs no longer become a pain point, institutions can focus on engaging more users through their digital channels, turning those channels into profit generators versus a costly fine for accommodating account holders.”

About Arya

Arya, powered by VSoft Corporation, is an intelligent, open architecture digital services platform for both retail and commercial account holders that streamlines all channels under a single access point for a truly integrated banking experience. Account holders use one system for both business and consumer banking activities, with access to a variety of cash management services, all while logged into the same system. Unlike other platforms, check capture is native to the system to provide significant cost savings with no integration required. Arya uses standard real-time and file-based APIs to integrate into all core banking platforms. Built with the latest Angular technology, the platform provides a consistent user experience and is one of the most feature-rich and flexible systems on the market today with a low total cost of ownership.

For more information, please visit www.AryaBanking.com, or follow Arya on Twitter at @AryaBanking.


April 2, 2018 Middlesex Savings Bank Migrates to VSoft’s SaaS Environment for its OnView Product Suite

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced that Natick, Mass.-based Middlesex Savings Bank, with more than $4 billion in assets, has selected its Software as a Service (SaaS) delivery model for its suite of OnView products.

A client of VSoft since 2011, Middlesex Savings Bank currently leverages OnView Branch Deposit, OnView Business Deposit and OnView Payments Manager. By migrating to VSoft’s SaaS model, Middlesex Savings Bank will be able to maintain processing controls while taking advantage of VSoft’s state-of-the-art data center, which provides a full suite of check and core processing software solutions to financial institutions of all sizes.

“Middlesex Savings Bank strives to deliver the most current, convenient, and relevant product and service offering,” said Michael Missle, Senior Vice President, Payments Services Director at Middlesex Savings Bank. “Migrating to a SaaS model was a strategic decision for our bank. We’ve had a very strong and successful partnership with VSoft so moving to a SaaS model was a natural decision.”

Missle continued, “this migration will allow us to take advantage of all the functionality offered by a full on-premise deployment while also gaining the operational efficiencies hosting in a dedicated region of VSoft’s data center, decreasing maintenance requirements and enabling us to spend more time serving customers and building relationships. Through our partnership, we will continue to leverage technology in order to respond in a timely manner to both our customers and the communities we serve.”

Financial institutions can take advantage of VSoft’s SaaS solution, which blends hosted applications with real-time remote access to provide financial institutions with optimal solutions without having to invest in the architectural requirements of an internally deployed solution.

“SaaS hosting continues to be an appealing option for financial institutions, like Middlesex Savings Bank, as a means to gain the control needed to maintain a complete imaging platform without having the burden of the increasing costs of hardware maintenance,” said Murthy Veeraghanta, chairman and CEO of VSoft Corporation. “Additionally, Middlesex Savings Bank is taking advantage of our flexible exchange option that allows financial institutions to migrate from one delivery model to another as its unique needs change. After working with Middlesex Savings Bank’s team for many years now, we are eager to continue to support their mission as their customer base continues to grow.”

About Middlesex Savings Bank

Middlesex Savings Bank is a $4.6 billion financial institution headquartered in Natick, MA. As one of the largest independent banks in the Commonwealth, the Bank is committed to continuing its 180-year history of providing commercial and consumer financial solutions to a growing customer base throughout Eastern Massachusetts.

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


March 13, 2018 VSoft Launches OnView Positive Pay

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced the launch of OnView Positive Pay, which mitigates fraudulent checks and increases operational efficiency for financial institutions.

According to the Association for Financial Professionals’ 2017 Payments Fraud and Control Survey report, 75 percent of organizations experienced check fraud in 2016, which is an increase from 71 percent in 2015. OnView Positive Pay can significantly enhance an institution’s cash management technology portfolio, and by offering this intuitive application to business account holders, institutions can create a new source of revenue while mitigating risks overall.

OnView Positive Pay’s streamlined workflow automates the detection of fraudulent items. When an issued check’s account number, check number, amount, issue date or payee is matched against posted data and fraud is detected, customizable rules are triggered to stop the fraudulent check. Business account holders can decide to accept or return the item in the user-friendly Positive Pay application. If the account holder does not act on the reported fraud, the financial institution itself can approve or return the check through tailored item decisioning logic.

The platform’s rules, restrictions and thresholds are highly customizable, granting institutions the ability to tailor their users’ experiences. The implementation of Positive Pay allows financial institutions to benefit from a full audit trail that captures metadata elements for in-depth research, providing better visibility into account holder data. Additionally, business account holders can pull reports using a variety of comprehensive fields to access audit trail data.

When seamlessly integrated with OnView Payments Manager, Positive Pay can catch fraud before an item is posted, decreasing a financial institution’s number of returned items. The Positive Pay application also makes assigning user roles and restrictions easy, allowing financial institutions and business account holders to efficiently run operations, secure information and reduce bandwidth.

“As reported payment fraud increases year after year, fraudulent checks continue to be a top concern for business owners,” said Murthy Veeraghanta, chairman and CEO of VSoft Corporation. “Despite this increase in fraud and the apparent need for having controls in place, many financial institutions do not offer a user-friendly product to business customers that makes dealing with fraudulent checks simple.”

“OnView Positive Pay solves this challenge,” Veeraghanta continued. “VSoft offers a unique, automatic solution to validate checks and increase effectiveness in dealing with fraud, even when business owners refrain from accepting or returning the check themselves. OnView Positive Pay is a game-changer for business account holders as well as financial institutions, giving them each a strong competitive advantage when faced with fraud.”

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


February 26, 2018 Corporate America Credit Union is Live with Arya, VSoft’s Digital Banking Platform

Corporate America Credit Union, a not-for-profit financial cooperative serving credit unions throughout the U.S., is now live with Arya, an intelligent, open architecture digital services platform created by the founders of VSoft Corporation.

In order to complement VSoft’s core processing platform, CoreSoft, Corporate America Credit Union (CACU) is leveraging Arya’s flexible multi-tenant, multi-tiered platform to provide its nearly 500 member credit unions access to effectively manage, edit, and update member accounts. Arya delivers a consistent, intuitive interface, ensuring a positive user experience even for credit union employees.

Launched in 2017, Arya consolidates multiple products, including online banking, mobile banking and mobile deposit applications, into one platform for both consumers and businesses. By streamlining multiple banking channels under a single access point, Arya provides a seamless user experience while providing financial institutions a single access point to view data. Additionally, the platform is designed to not only adapt to changing technology but also adapt to changing business objectives and business needs of financial institutions.

“By further expanding our relationship with VSoft, our member credit unions are able to benefit from a seamless user experience with Arya,” said Lisa Coffey of Corporate America Credit Union. “The flexibility that Arya provides has allowed us to tailor the solution to really fit our needs.”

“We designed Arya with configurability in mind, which allows the solution to be tailored for distinct use cases, including at corporate financial institutions like Corporate America Credit Union,” said Murthy Veeraghanta, chairman and CEO of VSoft. “With customizable branding and the ability to easily integrate new products and services from both VSoft and third parties across the application, Arya can scale and adapt to Corporate America’s evolving needs without disrupting its users. By leveraging Arya, the credit union has laid a strong foundation for its continued growth and success.”

About Corporate America

Founded in 1982 and based in Irondale, Alabama, Corporate America Credit Union is a dedicated, not-for-profit financial cooperative governed by a board of directors elected from and by our member-owner credit unions. Corporate America serves nearly 500 credit unions across the nation and seeks to add value to member credit unions by providing access to a comprehensive list of products and services including investments, liquidity solutions, and correspondent services such as ACH, item processing, and remote deposit capture. Our priority is serving the needs of our member-owners to help ensure their future success. For more information, call (800) 292-6242 or visit www.corpam.org.

About Arya

Arya, powered by VSoft Corporation, is an intelligent, open architecture digital services platform for both retail and commercial account holders that streamlines all channels under a single access point for a truly integrated banking experience. Account holders use one system for both business and consumer banking activities, with access to a variety of cash management services, all while logged into the same system. Unlike other platforms, check capture is native to the system to provide significant cost savings with no integration required. Arya uses standard real-time and file-based APIs to integrate into all core banking platforms. Built with the latest Angular technology, the platform provides a consistent user experience and is one of the most feature-rich and flexible systems on the market today with a low total cost of ownership.

For more information, please visit www.AryaBanking.com, or follow Arya on Twitter at @AryaBanking.


January 30, 2018 Reliance Bank Selects VSoft’s OnView Branch Deposit and Business Deposit

VSoft Corporation, a global provider of information and technology solutions for financial institutions, announced that Altoona, Pennsylvania-based Reliance Bank with more than $450 million in assets has selected its OnViewTM Branch Deposit to seamlessly automate the validation and balancing of check-based deposits and payments as well as its OnView Business Deposit to deliver a complete business experience for their merchant customers.

OnView Branch Deposit increases back-office productivity and reduces the cost of processing. The solution also minimizes errors in manual proofing and reduces fraud risks that are imperative concerns for financial institutions. Branch Deposit captures, corrects and performs preliminary validation on batch deposits. Documents are dropped by batches into a larger desktop scanner, where they are imaged and verified against Reliance Bank’s business rules. The built-in CAR/LAR recognition technology reduces data entry and operator intervention by reading the amount, account number and other pertinent information from the scanned document. The fully automated image quality feature improves the recognition and reduces return items.

VSoft’s OnView Business Deposit extends the convenience and cost savings of electronic deposit capture and transmission to businesses that receive a regular volume of checks. Commercial account holders can use it to deposit payments using a variety of devices, reducing preparation time, overhead, operational costs and branch visits. Business Deposit uses a single platform, which allows Reliance Bank to deliver a unified set of risk management thresholds and a superior experience. The solution is tailored to business’ specific needs including role-based user management and self-administration, as well as multi-location functions. It also allows the teller to focus on other revenue-driving activities while promoting less foot traffic in the branch.

“Our goal with these solutions is twofold—to improve operational efficiency within our item processing workflows while retaining flexibility and simplicity, as well as limiting additional work and effort on behalf of our business customers,” said Becky Crilly, senior vice president and senior operations manager at Reliance Bank. “With VSoft’s proven history of success, willingness to partner and collaborate with their client base, and the ease of use and scalability of their offerings, we knew they were the perfect partner to improve our back-office payment processing and business deposit solutions. Their established Branch Deposit and Business Deposit solutions will help streamline our daily operations as well as the daily operations of our business customers.”

“Financial institutions are examining both internal and external facing technologies more closely in an effort to streamline processes and improve their customer service,” said Murthy Veeraghanta, chairman and CEO of VSoft Corporation. “Our product suite is optimized to simplify financial institutions’ methods of doing business in a way that benefits their team members and customers. With the implementation of Branch Deposit and Business Deposit, Reliance Bank will see increased efficiency as operator data entry is reduced as well as an increase in satisfaction from their business account holders. We’re excited to partner with Reliance Bank to upgrade their solutions to provide even more tailored service to their customers.”

About Reliance Bank

Reliance Bank is a mutually owned, relationship driven financial institution that provides Pennsylvania with leading online and in person banking services. Each of Reliance Bank’s seven branch locations is part of a thriving business and residential area. Reliance Bank’s focus is to provide the community with quality financial services and ease of selection, interfacing with the latest technology, secure transactions and caring staff that know the importance of serving customers. For more information, visit https://reliancebank.bank or call 800-570-0876.

About VSoft Corporation

VSoft Corporation offers platform-based services for the banking and financial services industry. Its core, payment and digital banking solutions reduce cost and maximize efficiency while providing seamless, real-time, high-volume and high-performance transactions across multiple channels. The VSoft platform can be delivered in-house, or as an outsourced ASP or SaaS model to best meet the needs of individual financial institutions. VSoft’s services have been trusted by financial institutions worldwide. For more information, please call 770-225-7692, or visit www.vsoftcorp.com, or follow them on Twitter @VSoft_Corp.


January 23, 2018 VSoft Embraces Biometric Technology for Arya Digital Banking Platform

Arya, an intelligent, open architecture digital services platform for
both personal and business account holders, today announced the addition of fingerprint authentication for mobile devices and facial recognition for iPhone users to its fully integrated digital banking platform. Created by the founders of VSoft Corporation, Arya combines both mobile banking and digital banking with native, built-in features including VSoft’s industry-leading mobile deposit in a single solution.

The password system in the banking industry is somewhat broken. Between the growing threat of security breaches and the substantial effort it takes to manage multiple passwords for each retailer and app, it is time for a better approach, which involves leveraging an identifier distinct to each user—their fingerprint or facial features.

“End users desire two things when accessing applications: a frictionless experience and security,” said Murthy Veeraghanta, chairman and CEO of VSoft. “These two requirements present a problem to financial institutions that are tasked with protecting sensitive account data. Financial institutions are now challenged to strike a balance between delivering a frictionless experience without compromising security.”

Arya addresses these concerns with its fingerprint authentication function for mobile devices and facial recognition for iPhone users. Fingerprint authentication is the process of confirming the identity of a user though their unique fingerprint while facial recognition verifies a user’s identity through their facial features. After the user provides correct answers to their security questions and enables the available biometric authentication feature respective to their device, Arya will then allow users to view their account securely with a simple tap of their finger or quick facial scan.

Arya’s platform provides users with a frictionless and secure log-in experience, eliminating the need for financial institutions to balance conflicting customer expectations. Because the platform is designed to easily adapt to changing technology and heightened demands from today’s consumers and businesses, Arya allows financial institutions to take advantage of the latest innovations like biometric technologies without the added cost of development.

“Biometric authentication addresses both the security demands of today’s modern consumer and the speed at which banking and transactions need to occur,” Veeraghanta continued. “Quickly adapting to customer preferences, whether through enhanced security measures or a new mobile banking feature, ensures financial institutions are positioned for success, now and long-term.”

About Arya

Arya, powered by VSoft Corporation, is an intelligent, open architecture digital services platform for both retail and commercial account holders that streamlines all channels under a single access point for a truly integrated banking experience. Account holders use one system for both business and consumer banking activities, with access to a variety of cash management services, all while logged into the same system. Unlike other platforms, check capture is native to the system to provide significant cost savings with no integration required. Arya uses standard real-time and file-based APIs to integrate into all core banking platforms. Built with the latest Angular technology, the platform provides a consistent user experience and is one of the most feature-rich and flexible systems on the market today with a low total cost of ownership.

For more information, please visit www.AryaBanking.com, or follow Arya on Twitter at @AryaBanking.