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Panini: Future-Proofing Check Imaging Technology Out of the Box

Wednesday, December 19, 2018 ( / Panini)

What’s a great way to future-proof check capture devices? By adding on-board intelligence, says Panini.
Financial institutions in recent years have been thrust into an unenviable position: responding to ever-changing payments habits and technologies while also supporting persistent, albeit declining, check usage. To respond, they need smarter technologies that support better automation and tighter integration across systems. Smarter technologies like intelligent check capture, says Francesco Grasso, Corporate Marketing Manager at device manufacturer Panini.

Intelligent devices make it possible for FIs to future proof investments in check capture and truncation capabilities, because they work with a variety of host devices, operating systems and applications. There is no need for APIs, or the patches that seem to be required every time the operating system updates,” Grasso explains.

In a traditional check capture environment (branch or corporate), the scanner functions as an input peripheral, capturing the images of checks and related documents, and delivering those raw image files to a workstation running an API specific to its operating system. But APIs, once seen as cost-cutting and efficiency plays, can be fragile and prone to failures, such as when operating system updates are installed. In a corporate RDC setting, where the host platform (the computer, operating system and other software) is outside the FI’s control, the chances of problems multiply and lead to time-consuming and costly troubleshooting routines.

The consultancy Aite Group addressed this in a March 2017 report, Transforming FI Channels with Intelligent Capture. “APIs are migrating from a status of ‘necessary evil’ to one of ‘unwanted guest’,” the report states. “There are just too many variables in today’s IT panorama. The need for constant management of this elusive layer sitting between the scanner and the application software is making several players in the value chain ever more uncomfortable.” (View Webinar)

Panini’s intelligent scanners don’t require APIs. They come out of the box complete with onboard processing power, and leverage the HTTPS Internet protocol to support faster set-ups, improved customer service and lower costs. “An installation in HTTPS is easier and quicker, and it intrinsically generates fewer support calls, which means less customer frustration and time lost, and reductions in FI support costs,” explains Grasso.

Everest ‘Game Changer’
Panini’s Everest architecture was developed to support the migration to intelligent scanners. Everest integrated into Panini scanning platforms enables capture devices to connect to any computing platform (e.g.: tablets, PCs, smartphones, POS terminals), using wired or wireless interfaces (Wi-Fi, Ethernet, USB). And it creates new possibilities for branch modernization and customer service by being easier to deploy, scalable and sharable, the company states.

A network-connected scanner, like the Panini EverneXt batch intelligent scanner, can be used by several bank employees, on demand. This presents opportunities to improve customer service and create more profitable relationships.

In RDC implementations, intelligent scanners support integration with a variety of physical and virtual environments, including mobile, without the need to download specific packages to support communications with the capture device. Plus mobile check-collecting workers can connect their mobile devices to a single-feed or batch scanner to improve the capture portion of the mobile RDC app.

“This is a real game changer,” says Grasso. The EverneXt can be shared in a branch environment using an Ethernet or Wi-Fi connection to a local area network, for example, to support tablet equipped roaming tellers in a future branch setting. The mI:Deal (single feed intelligent scanner) can even support check acceptance and related services (like check guarantee) at the point of sale, connecting to and extending the capabilities of a USB-equipped POS terminal. “And both can be used to create an assisted self-service ‘deposit station’ in the branch or lobby,” Grasso notes.  

While Panini sees great promise in intelligent scanners, they may not be the ideal solution for every bank or every RDC customer, at least initially. So the company also supports a hybrid approach to check scanning. “In other words, they can work with an API-based application just like their non-intelligent equivalents, then move to an HTTPS one as soon as they are ready using a simple configuration change,” Grasso explains.

In a competitive banking landscape, where FIs are always on the lookout for innovations that improve user experiences and support more effective customer engagement, smarter technologies, like intelligent check capture devices, offer a modern and more flexible approach to handling check deposits and payments, today and into the future.

About Panini
Founded in Turin, Italy, Panini has enabled clients to capitalize on shifts in the global payments processing market for over seventy years. Panini has a rich history of technology innovation, leveraging the company’s expertise in research & development. Panini’s market leading solutions are based on state-of-the-art engineering resources and ISO 9001 quality certified production. Panini boasts the world’s largest deployed base of check imaging systems and offers an expanding range of branch transformation solutions including intelligent capture, instant issuance, and secure identity options for reliable and user-friendly customer authentication. For more information visit

The above article is sponsored content provided by Panini.

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