Our tech connects your whole bank. So your operations run better. Your branches run leaner. Your apps are the best in the business. And you get an open, flexible platform that helps you innovate faster—for less cost and risk.
We help brands of all sizes reduce the complexities of running their restaurants, so that they can focus on their food and guests - not their technology. Over 100,000 restaurants trust NCR to help them run their operations, drive sustainable growth and create frictionless guest experiences.
No matter your size, where you operate, or what kinds of customers you serve, we’re here to help you create more meaningful interactions between you and your customers.
NCR is the world’s leading enterprise technology provider of software, hardware and services for banks, retailers, restaurants, small business and telecom & technology. We enable digital transformation that connects our clients’ operations from the back office to the front end and everything in between so they can delight customers anytime, anywhere and compete.
Our tech connects your whole bank. So your operations run better. Your branches run leaner. Your apps are the best in the business. And you get an open, flexible platform that helps you innovate faster—for less cost and risk.
We help brands of all sizes reduce the complexities of running their restaurants, so that they can focus on their food and guests - not their technology. Over 100,000 restaurants trust NCR to help them run their operations, drive sustainable growth and create frictionless guest experiences.
No matter your size, where you operate, or what kinds of customers you serve, we’re here to help you create more meaningful interactions between you and your customers.
The network is the heart of digital business. We help you keep it beating with managed services that get you to market faster, extend your global reach and deliver the best customer experience.
Power your business by teaming up with NCR. We sell more payment, assisted and self-service technologies than almost any other vendor in the world. And our experience can help you focus your efforts on the most promising market opportunities.
We are NCR, the global leader in consumer transaction technology. For more than 130 years, NCR has helped companies better connect, interact and transact with customers.
Through our Environmental, Social and Governance (ESG) strategy, we're committed to addressing key areas that our employees, customers, shareholders, suppliers and communities care about most.
"We've looked at all those [other digital banking providers] — those that have a mobile focus, a legacy online focus, a core focus. We've chosen, over and over, the services of digital at NCR...because of the flexible systems and because NCR does what they say they're going to do...to drive us forward."
— Ken Bloomfield, VP Marketing and Member Experience - Digital, Harborstone Credit Union
What they needed
A more streamlined skip-a-pay experience
Harborstone is always in their members’ corner. That means finding ways to help relieve financial pressure—including offering loan skip-a-payment options. The problem was a manual and paper-based process that required a seven-day lead time to participate. Members had to fill out an online request form, which got passed to credit union staff to review against multiple qualifications. If they were eligible, staff had to start the manual back-office administration, fee collection and processing. It was time to reinvent the experience for members — and the back office.
What we delivered
A custom, automated skip-a-pay solution
As a trusted partner for nearly 20 years, Harborstone counts on NCR Digital Banking. We collaborated closely with them to develop and deliver an automated, digital skip-a-payment solution. Now, all their members have to do is choose the ‘Skip a Payment’ option from their digital banking, select the loan payment and month to skip and select the fee payment account. It takes less than 10 seconds and is fully automated — no more 7-day waiting period and back-office headache.
What happened next
A 10-second process & 90% boost in income
While the credit union projected a 20 – 30% lift in adoption, the results far exceeded expectations. Taking a very manual process and streamlining it to be digital and automated has created big results:
76% lift in skipped payments per month, on average
90% boost in non-interest income in the first seven months
Up to three hours per day (15 minutes per skipped payment) gained in back-office efficiencies